New York Notice of Special Enrollment Rules

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Multi-State
Control #:
US-359EM
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Word; 
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Description

This notice informs an individual of his or her rights for special enrollment involving health insurance coverage.

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FAQ

Period of enrollment means the period that the title IV institution has established for which institutional charges are generally assessed (i.e., length of the student's course, program, or academic year.)

Normally, coverage is only available for purchase during the annual open enrollment period, but a special enrollment period allows people to sign up for coverage outside of that annual window, as long as they have a qualifying event.

You qualify for a Special Enrollment Period if you've had certain life events, including losing health coverage, moving, getting married, having a baby, or adopting a child, or if your household income is below a certain amount.

Special enrollment periods are typically 60-days long and will allow you to purchase major medical insurance.

More Definitions of Eligible Event Eligible Event means, subject to the elections made in the Election of Coverage, the occurrence of one or more of the following: Accidental Death, death, Accidental Disability, and Total Disability.

You do not have to pay a penalty if you are enrolled in any of the following types of health coverage: Health insurance purchased through NY State of Health or minimum essential coverage purchased from a health insurance company directly. Health insurance received from a job, COBRA, or retiree plan.

A change in your situation like getting married, having a baby, or losing health coverage that can make you eligible for a Special Enrollment Period, allowing you to enroll in health insurance outside the yearly Open Enrollment Period.

To avoid a gap in coverage, if you are losing health insurance, you can apply for a new plan as early as 60 days before your current insurance will end. If you are enrolled in health insurance through a job (group coverage), you may only have thirty days (30) after the qualifying event to make changes to your coverage.

You can make changes to your Medicare Advantage and Medicare prescription drug coverage when certain events happen in your life, like if you move or you lose other insurance coverage. These chances to make changes are called Special Enrollment Periods (SEPs).

You qualify for a Special Enrollment Period if you've had certain life events, including losing health coverage, moving, getting married, having a baby, or adopting a child, or if your household income is below a certain amount.

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New York Notice of Special Enrollment Rules