Integrated Service Center

Life Event: Loss of Other Coverage

Last updated Wednesday, September 14, 2022

Disclaimer: If the information on this page conflicts in any way with HCA documentation, the HCA documentation governs.

This Life Event is when, within the last 60 days, you or your dependent lost other coverage under a group health plan or through health insurance coverage as defined by HIPAA.

To be eligible for this Life Event, the reason for the loss of coverage must be your, or your dependent’s, loss of eligibility, or because the employer providing the coverage ended their contributions.*

*If the coverage recently lost was COBRA, the reason for the loss of coverage must be the enrollee having reached the end of their maximum coverage period.

Changes You Can Make and How To Make Them

You can make any combination of the following changes within 60 days of when the loss of other coverage occurred, provided eligibility requirements are met. Expand a menu for details.

The enrollment or change is effective the first day of the month following the later of: (a) Date of loss of other coverage, or (b) Date event is completed in Workday. If the later of (a) or (b) is the first day of the month, the enrollment or change in election begins on that day.

You can make this change… If these conditions are met…
Enroll in a health plan
  • You lost coverage under another employer-based plan, either as the subscriber or as the dependent.
    -or-
  • Your dependent lost coverage under another employer-based plan or health insurance coverage as defined by HIPAA, and you need to enroll in order to add them to your UW coverage.*
Change your health plan election
  • You had a change in your employment status that affects your eligibility for other employer contribution toward your employer-based group health plan.
    -or-
  • You are newly enrolling a dependent* who lost their coverage under another employer-based plan or health insurance coverage as defined by HIPAA
Add dependent(s) to your health plan(s) You may enroll a dependent* who lost their coverage under another employer-based plan or health insurance coverage as defined by HIPAA.

*The dependent you enroll can only be the individual who lost their coverage; other individuals may not be enrolled.

To make any of the above changes:

1. Gather/scan documentation that serves as proof of the event (Note: If your dependent lost their UW-provided health coverage, you do not need to provide this documentation.):

  1. Provide one of the following; the documentation you provide must show the end date of coverage having occurred within the last 60 days, as well as names of all covered dependents:
    • Certificate of Creditable Coverage
    • Letter of termination of coverage from the health plan
    • Letter of termination of coverage from the employer’s personnel, payroll, or benefits office
    • COBRA election notice if it is personalized to the subscriber or subscriber’s dependent who lost coverage and provides the date coverage was lost
  2. If newly-adding a dependent(s), in addition to the above, gather the required dependent verification documentation.

2. Submit your changes in Workday per the steps in the Loss of Coverage User Guide. During that process, you’ll upload the documentation you prepared in step 1.

Information about medical and dental plan choices can be found on UWHR’s Health Insurance pages.

Effective Date
The enrollment or change is effective the first day of the month following the later of: (a) Date of loss of other coverage, or (b) Date event is completed in Workday. If the later of (a) or (b) is the first day of the month, the enrollment or change in election begins on that day.

If you or your dependent lose other coverage, you may enroll in a Flexible Spending Arrangement (FSA); if you are already enrolled in an FSA, you can increase your contribution amount. (Note that, as part of this Life Event, you cannot decrease your contribution amount).

To do so, follow the appropriate set of instructions in the FSA and/or DCAP – Enroll/Change Contribution Amount(s) User Guide.

Effective Date
Your FSA enrollment/the increase to your contribution amount will be effective on the 1st of the month that follows whichever date is later, either:

  • the date of change in employment
    -or-
  • the date you submit the event in Workday.

If the either of the above dates is the 1st of the month, the change takes effect that day.

⇒ If this is the only change to your benefits that you wish to make as part of this Life Event, submit your changes in Workday per the steps in the Benefits – Change Tobacco Use Attestation User Guide. The change will be effective on the 1st of the upcoming month; if you submitted your change on the 1st of the month, it takes effect that same day.

⇒ If you are changing your Tobacco Use Surcharge Attestation and making other changes to your benefits coverage, follow the set of instructions on this page that pertain to the other change(s) you wish to make. You will indicate your new Tobacco Use Surcharge attestation response as part of the changes you submit in Workday.

⇒ If this is the only change to your benefits that you wish to make as part of this Life Event:

  1. Gather supporting documentation showing a change in your spouse’s or SRDP’s employer-based group medical insurance.
  2. Submit your changes and supporting documentation in Workday per the steps in the Benefits – Change Spouse or Partner Premium Surcharge User Guide. The change will be effective on the 1st of the upcoming month; if you submitted your change on the 1st of the month, it takes effect that same day.

⇒ If you are changing your Spousal Surcharge attestation and making additional changes to your benefits coverage, follow the set of instructions on this page that pertain to the other change(s) you wish to make. You will indicate your new Spousal Surcharge attestation response as part of the changes you submit in Workday.