All members and eligible dependents must join the plan and start paying premiums from the date they are eligible. If the member or dependent is not enrolled within 31 days of becoming eligible, they may be deemed a late applicant. Evidence of Insurability may be required or retroactive premiums may be charged, depending on the insurer’s guidelines. Coverage may be added as of the eligibility date or as indicated by the insurer.
Evidence of Insurability consists initially of a health questionnaire. Depending on the circumstances, additional information may be requested by the insurers such as; a medical examination, blood tests or completion of specific forms providing detailed medical information. Coverage may be denied by the insurers.
If you have a late applicant, please check with your GroupHEALTH Representative for the provisions that apply to your plan.