Can I add my partner to my insurance?

Employers and states have varying rules regarding coverage for domestic partners.

Please check with your HR team whether they are able to be covered thru on your plan.

Regarding adding dependents, dependents can be added during the annual enrollment period usually in November of each year. Outside of the AEP, dependents can be added if there is a Qualifying Life Event.

QLE's include:

• Change in Household
  • Additions (includes marriage, birth or adoption of a child, etc.)
    • SureCo will add dependents to existing policies but does not allow employees to shop for a new plan due to household additions. See below for process.
  • Subtractions (includes death, divorce or legal separation, etc.)
    • Employees must contact their carriers to remove a dependent from their plan. Carriers will typically not allow employees to shop for a new plan. See below for process.
• Change in Residence
  • Employee moves to a different state = they must always shop for a new plan.
  • Employee moves to a different area within their state = they may be eligible to shop for a new plan if their current plan is no longer available.
• Change in Coverage
  • Change in employee’s eligibility status (includes losing coverage from another source, becoming eligible for Medicare, etc.)
  • Change in dependent’s eligibility status (includes dependents turning 26, losing or gaining coverage from another source, or becoming eligible for Medicare).
    • If an employee’s dependent turns 26 mid-year, coverage changes vary from carrier to carrier
      • Some carriers allow 26-year-olds to remain on the employee’s plan until the end of the plan year. In this case, employers may choose to create a policy that discontinues contributions the month after the dependent turns 26.
      • Some carriers stop coverage the day a dependent turn 26, or at the end of the month of the dependent’s birthday.

Note: Voluntary termination of your COBRA does not count as a Qualifying Life Event. However, exhausting COBRA does trigger a QLE during the Special Enrollment Period because it counts as a loss of coverage.