When Coverage Begins
The date when your coverage begins depends on when you make your health care choices:
| If |
Then |
| You enroll for yourself and your eligible dependents when you are first eligible (generally within 60 days of your date of hire) |
- Coverage begins on the first of the month following your 60th day of work.
- If you are not actively at work on the day when coverage would begin, the coverage will begin when you return to active work.
- If your dependent is confined for medical care or treatment on the day when coverage would begin, that dependent’s coverage will not begin until the dependent is given a final release from such confinement.
- Payroll deductions begin with the next available pay cycle.
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| You enroll for yourself and your eligible dependents during the annual enrollment period |
- Coverage will begin on January 1 of the following year.
- Payroll deductions begin with the first pay cycle of the following year.
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| You enroll for yourself or a new dependent within 30 days of a qualifying event. |
- You have 30 days from the qualifying event to add coverage. Coverage begins no later than the first of the month after the election.
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If you do not enroll when you are first eligible, you will have no coverage unless you enroll during the next annual enrollment period or after a qualified change in status.