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Qualifying Life Events for ASRS Medical or Dental Insurance

What is a Qualifying Life Event?

A qualifying life event allows you the opportunity to enroll initially or to add or change coverage for yourself or additional family members throughout the year, outside of the annual Open Enrollment Period.

You are allowed to make these changes no later than thirty-one (31) calendar days after the event. Please note that many events require additional documentation showing the reason for the qualifying life event.

Following are the Qualifying Life Events recognized by the ASRS for enrollment and/or changes to ASRS Group Retiree Medical and Dental Insurance outside of the annual Open Enrollment period.

Retirement

New retirees are free to enroll in any plan they are eligible for. Supporting documentation will not be required, unless you wish to cover a dependent child over the age of 26.

Your application must be submitted within 31 days of your retirement date. Coverage will be effective on the 1st of the month after you retire and submit your application for coverage; however, pension payroll deductions (retroactive to your coverage effective date) will not occur until your retirement benefit has been finalized. Read more about retirement and health insurance premiums, as well as premium benefit subsidy, on our Ready, Set, Retire page.

Ready, Set, Retire

Change in marital status

A member may enroll in a plan, add dependent coverage, or remove dependent coverage as a result of a change in marital status. Examples include: marriage, divorce, legal separation, annulment, and the death of a spouse. You may be asked to provide documentation that supports the occurrence of this qualifying event.

Your application must be submitted within 31 days of the date of your qualifying event. Coverage will be effective on the 1st of the month after you submit your application for coverage.

Change in dependent status

A member may enroll in a plan, add dependent coverage, or remove dependent coverage as a result of a change in dependent status. Examples include: birth, adoption, placement for adoption, death, or change in dependent eligibility due to age (child turning age 26). You may be asked to provide documentation that supports the occurrence of this qualifying event.

Your application must be submitted within 31 days of the date of your qualifying event. Coverage will be effective on the 1st of the month after you submit your application for coverage.

Change in primary residence

A member may enroll in a plan, change plans, or change dependents if they move into or out of an HMO service area during the year. The member must have a minimum coverage period of 3 months or more. Your address on the secure website must correspond to the coverage area you are enrolling in (Arizona or nationwide).

Your application must be submitted within 31 days of the date of your qualifying event. Coverage will be effective on the 1st of the month after you submit your application for coverage.

Change in Medicare eligibility

A member may newly enroll in a Medicare plan when turning age 65. If a member and/or dependent is already enrolled in non-Medicare coverage through the ASRS, the member and/or dependent must switch to a Medicare plan when turning age 65. Failure to enroll in a Medicare plan will result in the termination of coverage for the member and/or dependent. If this occurs, you must wait until the yearly open enrollment period to re-enroll.

Your application must be submitted within 90 days of your Medicare eligibility date. Coverage will be effective on the 1st of the month you become eligible for Medicare eligible if your application is submitted prior to the effective date or on the 1st of the month after the application has been submitted.

Loss of other coverage (spouse, employer, COBRA)

A member may enroll in a plan or add dependent coverage when

  • the member or eligible dependent has lost group health insurance coverage, or
  • there is a significant change to the member's spouse's group medical plan cost or coverage , resulting in loss of coverage, or
  • there is a significant change to the member's group medical plan cost or coverage , resulting in loss of coverage, or

You may be asked to provide documentation that supports the occurrence of this qualifying event.

Note: If the prior coverage was an individual plan purchased through the health insurance exchange or a private plan purchased through an insurer you will not be eligible for coverage until our annual open enrollment period commences in the fall.

If you enroll in the Arizona Health Insurance Marketplace, then voluntarily terminate your private individual medical insurance and want to return to ASRS’ medical insurance, this is not a qualifying event.

Your application must be submitted within 31 days of the date of your qualifying event. Coverage will be effective on the 1st of the month after you submit your application for coverage.

Long Term Disability

Members recently approved for long term disability benefits are free to enroll in any plan they are eligible for. Supporting documentation will not be required, unless you wish to cover a dependent child over the age of 26.

Your application must be submitted within 31 days of your disability effective date. Coverage will be effective on the 1st of the month after you submit your application for coverage.

Open Enrollment

Open Enrollment Information

During open enrollment, a member is free to make changes in plan selection or dependent coverage.

Supporting documentation will not be required, unless you wish to cover a dependent child over the age of 26.

Your application must be submitted during the annual open enrollment period. Coverage will become effective on the 1st of January if your application is received prior to the end of the year, and on February 1st, if it is received in January.

Log in to enroll

If one of these qualifying events applies to you and you want to enroll in ASRS Group Retiree Medical and/or Dental Insurance, log in to your myASRS account and select 'Medical/Dental Insurance' under the Apply Now section in the navigation pane.

If you are currently a retiree or disabled member covered by ASRS, ADOA or another ASRS employer's insurance, you can view those elections in your myASRS account by selecting 'Medical/Dental Insurance Details' under the Your Account section in the navigation pane.

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For more about ASRS Group Health Insurance, take the time to review our entire Health Care section.

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