You/Spouse/Dependent Gains or Loses Insurance Coverage

When you, 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.

Gains Other Insurance Coverage

Steps to Take Within 31 Days of Qualifying Event

  1. Complete the Insurance Coverage Change form to decline coverage and/or drop individual(s).
  2. Submit required documentation showing when 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.

Loses Other Insurance Coverage

Steps to Take Within 31 Days of Qualifying Event

  1. Complete the Insurance Coverage Change form to elect Miami's coverage and/or add individual(s) to your 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 your or the individual's other coverage ends. (This is the qualifying event date.)
  5. Complete the Employer Verification Form (PDF) to add your spouse to your Miami coverage.

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.