Family Status Changes

ENROLLMENT INSTRUCTIONS  

Newly hired eligible employee: Contact the MI HR Service Center to enroll yourself and your eligible dependents within 31 days of your date of hire.  Your eligibility date is the first day of the biweekly pay period after you have commenced employment. Other eligibility requirements may apply to certain insurance plans.

Newly acquired dependent: Notify the MI HR Service Center as soon as possible but no later than 31 days after acquiring this new dependent.  Do not wait until you have the official documentation to contact the MI HR Service Center.  You will be required to complete the necessary forms and will also be required to provide proof of dependent eligibility. Visit the Required Documentation page for more information on substantiating dependents.

If you do not enroll upon hire, your next opportunity to enroll would be the annual Insurance Open Enrollment period.

If you are enrolled in an HMO or DMO and move to a new permanent residence outside of the service area of the HMO or DMO in which you are enrolled, you must transfer your enrollment to another available group insurance plan immediately.  Contact the MI HR Service Center right away any time you change your residence.

 

MID-YEAR LIFE EVENTS 

Mid-year changes in coverage will only be allowed during the benefit year based on what the IRS calls a "family status change" or "life event". The coverage change must be consistent with the life event, and each life event requires proof. Some examples of a family status change are:

  • Moving outside of a HMO or DMO service area:
    • You may enroll in health and dental insurance plans authorized for your area; the effective date will be the first day of the pay period after your move.
       
  • Marriage or Divorce:
    • You may enroll a new spouse within 31 days of the marriage; the effective date of the insurance is the first day of the next pay period after the the MI HR Service Center receives notification. 
    • In the event of a divorce, ex-spouses are not eligible and must be removed from coverage effective the date of the divorce.
    • Or you may newly enroll in health coverage if you lose insurance coverage as a result of a divorce.
       
  • Death:
    • Your spouse dies and you are covered under that spouse's insurance plans: You may newly enroll in the State-sponsored group insurance plans.
       
  • Loss or Gain of Coverage
    • You and your eligible dependents may enroll in State group insurance coverages if your insurance coverage is lost as a result of a change in your spouse's employment; 
       
  • Birth, Adoption, Guardianship:
    • You may add a new dependent to your insurance coverage within 31 days of acquiring that dependent through birth, adoption, or legal guardianship (up to age 18). The effective date will be the date of birth, adoption, legal guardianship or move.
      Your spouse begins or ends employment:
    • Or you may cancel your state-sponsored insurance (or opt out) if you enroll in your spouse's plans. 
    • You or your spouse change from part-time to full-time (or vice versa) or take an unpaid leave of absence resulting in a significant change in your coverages:
      • You and your eligible dependents may enroll in State-sponsored group insurance coverages if coverage is lost or significantly reduced as a result of a change in your spouse's employment status; 
      • Or you may cancel your state-sponsored insurance (or opt out) if you enroll in your spouse's plans. 
    • You must notify the MI HR Service Center by calling 877-766-6447 within 31 days of the family status change. You will be required to complete any necessary forms and will also be required to provide proof of dependent eligibility.