How to Check Insurance Eligibility

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Checking insurance eligibility is something that you usually have to do by speaking with human resources. Check insurance eligibility with help from an expert at Combs & Company in this free video clip.

Part of the Video Series: Insurance Questions Answered
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Video Transcript

Hi. My name is Susan Combs and today we're going to talk about how to check insurance eligibility. When it comes to being eligible for insurance, if you're talking about, say, employee benefits, your best place to go to is going to be your HR director or the owner of the company that provides you these benefits, be as each company is allowed to set up different eligibility requirements. So, for example, as of 2014, now you cannot be eligible in a greater waiting period than 90 days. So, some companies will have that you're eligible the first day that you were hired, some will have the first of the month following, 30 days, 60 days, but, like I said, nobody can have more than 90 days. The one thing that you need to check out is, say, you're a single person now, but you're looking to get married or you're, you know, going into an arrangement with a domestic partner or you're going to have a child. You need to know when those people would be eligible. For example, most carriers and most companies will not allow you to add on a spouse other than during open enrollment if it's not considered a qualifying event. So, a qualifying event for that would be, say, your spouse was covered by their employer and then they were terminated and they no longer had coverage, that would trigger a qualifying event and you could put your spouse on immediately. But, if, say, your spouse didn't come on just because they didn't want to come on and then six months later they say, "Oh, I want to come on," it doesn't work that way. You're going to have to wait until open enrollment. So, the best thing to do, like I said, just talk to your HR manager or talk to the owner of the company and see what ramifications are around eligibility for when these people would be eligible for benefits or when you would be eligible as well.

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