What if I Did not sign up for Group Health Insurance when I was supposed to?
A "Late enrollee" is an eligible employee or dependent who has declined health coverage...at the time of the initial enrollment period ... and who subsequently requests enrollment ...
INSURANCE CODE SECTION§10700 l- (AB 1672)
read the full definition and exceptions for details and how to get coverage without waiting for
Open Enrollment Plan Anniversary when just about anyone can enroll.
Consumer Links
Definition "Special Enrollment"
Definition Qualifying Event
Federal Code of Regulations 146.117
View Blue Cross Administrator Guide on
How to add an employeeView our Small Group Employer Website and find the Administrative Manuals on procedures to Add Employees.
• Blue Cross-Anthem • Aetna • Kaiser • Cal Choice • PacifiCare - UHC • Health Net • Blue Shield
Kaiser will allow an eligible employee who originally declined coverage to enroll outside normal open enrollment rules provided the situation considered is a qualifying event ,such as, Loss of Coverage or Court Order to Add Dependent Child (both subscriber and dependent must enroll). Other enrollment reasons are as follows: Part-Time to Full-Time Employment Status, Moved into Service Area, Rehired within 6 months, Return from Layoff/Leave of Absence, Return from Military Duty.
Kaiser also has a 60 day retro rule. If an employee or dependent enrolls within 60 days pass the eligible effective date, the member will be enrolled retro to the date he/she was eligible. For example, the employee is eligible effective 10/1/03. Kaiser receives application on 11/5/03. The member's effective date will be 10/1/03.
George N. Papacalos, CLU
Sales Executive
Kaiser Permanente
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