Qualifying life event documents - Blue Cross Blue Shield 2025

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Documents that may be required to verify a Qualifying Life Event (QLE) differ depending on the specific life change. Marriage license for marriage. Divorce papers for divorce. Birth certificate for the birth of a child. Adoption papers for adoption. Death certificate for a change in household due to death.
Qualifying life events (QLEs) are certain life events that allow you to enroll in the Federal Employees Dental and Vision Insurance Program (FEDVIP) or make changes to your existing FEDVIP plan outside of open season.
And without a qualifying life event, major medical health insurance is not available outside of general open enrollment, on or off-exchange.
When is Open Enrollment for Health Insurance 2025. The Individual and Family Marketplace Open Enrollment Period for 2025 starts November 1, 2024 and lasts through January 15, 2025, but dates can vary by state.
These events are defined by the IRS and include: Change in your legal marital status (i.e., marriage, legal separation, divorce, or death of your spouse) Change in employment status (for you, your spouse, or dependent) that affects eligibility for health insurance benefits. Change in your number of tax dependents.
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90-day Waiting Period Limitation. PHS Act section 2708 provides that a group health plan or health insurance issuer offering group health insurance coverage shall not apply any waiting period that exceeds 90 days.

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