MMC Benefits Handbook
If I don't enroll when I am first eligible, can I elect group medical coverage later on?
Yes. A special enrollment opportunity occurs if an individual with other health insurance loses that coverage or if a person becomes a new eligible family member through marriage, birth, adoption, or placement for adoption. However, you must first notify the plan of your request for special enrollment within 30 calendar days after losing your other coverage or within 30 calendar days of having (or becoming) a new eligible family member. You register the event by going to Colleague Connect (https://colleagueconnect.mmc.com).
You may also enroll during Annual Enrollment.
Can my coverage be denied based on my health status?
No. Your coverage can't be denied, and you can't be excluded, under your medical plan just because you have a particular physical or mental illness, medical condition, or genetic information.
Change in Health Status
Can I lose coverage or be charged more for coverage if my health status changes?
Under HIPAA, your medical plan may not establish rules for eligibility (including continued eligibility) of any individual to enroll under the terms of the plan based on health status related factors. These factors include:
- health status
- medical condition (physical or mental)
- claims experience
- receipt of health care
- medical history
- genetic information
- Evidence of Insurability
You will not be required to pay a premium or contribution that is greater than that for a similarly situated individual based on a health status related factor.