Employee coverage termination

Ending coverage

You may terminate an employee or dependent’s coverage through the employer portal.

Note: Omitting a member from an application or simply not paying for the member will not terminate the member’s coverage. A termination request must be received. We will refund or adjust premiums for retroactive terminations for up to three months. The month the request for the retroactive termination is received is counted as one month.

Dependent terminations

Divorce

The employee is responsible for notifying you of the divorce and the date of divorce. The divorced spouse and dependents cannot be removed from the policy until the judgment of divorce is final. For example, the individual cannot be removed because a divorce is pending or a Certificate of Readiness has been issued. The termination date will follow the employer’s termination provision.

In most cases, you will need to offer COBRA/State Continuation coverage to the divorced spouse (and dependents if applicable). See your COBRA/Continuation guidelines or consult your attorney if you have questions.

Death

If an employee/spouse/dependent dies, his or her coverage ends on the date of death. In the case of an employee’s death, the surviving spouse/dependents coverage will continue through the end of the month in which the employee died. Again, COBRA/State Continuation coverage must be offered to the spouse/dependents.

Billing questions?