Spouse/Dependent Gains or Loses Insurance Coverage

When a spouse or dependent gains or loses coverage through a plan other than Miami's, it is considered a qualifying event. This is the only time outside of open enrollment that they can be added to or removed from Miami's plan.

Spouse or Dependent Gains Other Insurance Coverage

Steps to Take Within 31 Days of Qualifying Event

  1. Complete the Insurance Coverage Change form to drop the individual.
  2. Submit required documentation, as outlined in Qualifying Events, showing when the individual's new coverage begins. (This is the qualifying event date.)

What Happens Next?

  1. The change to your coverage will be effective the first of the month following the qualifying event date.
  2. Your updated information is sent to the insurance carriers on the following Monday.
  3. Premiums are adjusted as needed and the change will show on the next pay check following the submission of the change form.
  4. New health insurance cards will be mailed within two weeks to the mailing address on file in Banner.

Spouse or Dependent Loses Insurance Coverage

Steps to Take Within 31 Days of Qualifying Event

  1. Complete the Insurance Coverage Change form to add the individual to your Miami coverage.
  2. Submit a copy of marriage certificate and complete the Spouse Health Coverage form (for health only) and/or submit a copy of child's birth certificate.
  3. Call the Benefits office with any social security numbers. Never email social security numbers.
  4. Submit documentation showing when the individual's other coverage ends. (This is the qualifying event date.)

What Happens Next?

  1. The change to your coverage will be effective the first of the month following the qualifying event date.
  2. Your updated information is sent to the insurance carriers on the following Monday.
  3. Premiums are adjusted as needed and the change will show on the next pay check following the submission of the change form.
  4. New health insurance cards will be mailed within two weeks to the address on file in Banner.