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Group Enrollment Timing Made Easy

There are 2 types of enrollments that allow you to update your employee-offered health insurance, Open Enrollment and Special Enrollment. Find details and learn how to enroll with Blue Cross and Blue Shield of Montana.

When can I enroll in a group health insurance plan?

There are 3 different group coverage enrollment periods.

  • When you're hired and setting up your benefits
  • Annual Open Enrollment, when all eligible employees can update their health insurance plan
  • Special Enrollment that allows you to update your coverage due to a life change known as a qualifying life event

Your employer or state laws decide when each enrollment period takes place and how long it lasts. Check with your HR department or benefits coordinator if you have any questions about your health insurance options.

Understand Open and Special Enrollment

How do I know if I can enroll through Special Enrollment?

Any eligible employee can take advantage of Special Enrollment as long as they have a qualifying life event and enroll before the deadline.

Changes to Marriage or Domestic Partnership

You got married, divorced, lost a spouse or entered or dissolved a civil union.

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Changes to Your Coverage

A dependent left your plan, or you or your spouse gained or lost eligibility for other plan options, including Medicare or Medicaid.

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Changes to Child Dependents

You had a baby, adopted or became the legal guardian of a child, lost a child, your child enrolled in their own health plan or turned 26 and aged out of your plan.

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Changes to Benefits Eligibility

Your job changed from part-time status to full-time status or full-time status to part-time status.

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Changes to Your Home Address

You moved to a new home outside your current plan's coverage area or network area.

How long does Special Enrollment last?

You'll have 30, 31 or 60 days to enroll after your life event takes place. The timeline depends on a couple of things.

  • State laws: Some states require Special Enrollment to last at least 60 days.
  • Employer preferences: Check with HR or your benefits coordinator to confirm your enrollment deadlines.

Step-By-Step: Enroll via Special Enrollment

Before your new coverage can start, there are a few steps you may need to take with your employer.

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Report Your Life Event

Often, you can report your life event through your employer's HR portal or benefits system. All life events need to be reported for a Special Enrollment Period.

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Provide Documents

You may have to provide documents, like a marriage or birth certificate, proving your life event and when it happened. Your HR department or benefits coordinator can tell you if your life event requires proof of change.

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Make Changes & Enroll

After your employer receives all the necessary information, you can compare your plan options or make changes to your existing coverage. Your employer will let you know when your coverage becomes active.

Get to Know BCBSMT Group Coverage

Not ready to enroll or want to learn more about health insurance? Explore the different plan types to understand if an HMO, PPO or CDHP might work best for you.

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