Change your coverage
Learn the requirements to make changes to your Continuation Coverage.
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Before you make a change it is important to:
- Make sure the health plan is available in your area.
- Check the plan’s provider directory or contact your plan to make sure your provider is in the plan’s network.
- Compare monthly plan costs (premiums).
- Compare benefits and your costs for care (deductibles, coinsurance, and/or copays.)
To make changes, such as enroll a dependent or elect a different health plan, you must complete and submit the required form(s) during the annual open enrollment or when a special open enrollment event occurs, within the timelines listed below.
To make a change during the PEBB Program’s annual open enrollment:
The PEBB Program must receive the appropriate COBRA Election/Change or Continuation Coverage Election/Change form between November 1-30. You may also make some changes using My Account.
To make a change when a special open enrollment event occurs:
The PEBB Program must receive the appropriate COBRA Election/Change or Continuation Coverage Election/Change form no later than 60 days after the event that created the special open enrollment. However, if adding a newborn or newly adopted child, and adding the child increases your premium, your employer must receive this form no later than 12 months after the birth or adoption.
In most cases, the change will occur the first day of the month after the date of the event or the date the PEBB Program receives your required, completed enrollment form(s), whichever is later. If that day is the first of the month, coverage begins on that date.
There are some changes you can make any time during the year without a special open enrollment event.
- Change your name and/or address. Use the COBRA Election/Change or Continuation Coverage Election/Change form.
- Cancel coverage.
- Remove an eligible dependent from insurance coverage.
- Remove dependent(s) from coverage due to loss of eligibility (required). Submit the COBRA Election/Change or Continuation Coverage Election/Change form to the PEBB Program no later than 60 days after the event.
- Change your life insurance beneficiary information. Use the MetLife Beneficiary Designation form, or call MetLife at 1-866-548-7139.
- Apply for, cancel, or change auto or home insurance coverage.
- Start, stop or change your contribution to your Health Savings Account (HSA).
- Change your HSA beneficiary information. Use the Health Savings Account Beneficiary Designation.
- You can only change medical or dental plans during the PEBB Program's annual open enrollment (November 1–30) of if you have a special open enrollment event.
- All eligible family members must enroll in the same health plan. (Family members can have different providers.)
- If you have a provider you want to stay with, contact your plan or check the plan’s provider directory to make sure your provider is in the plan’s network.
- You cannot be enrolled on two PEBB accounts at the same time. If you and your spouse or state-registered domestic partner are both eligible subscribers, you need to choose which of you will cover yourselves and your eligible children (including adult children who are also eligible for PEBB insurance coverage as an employee). Enrolled family members will be listed on one account, not both.
The PEBB Program allows changes outside of the PEBB Program annual open enrollment when certain events create a special open enrollment. The change must be on account of and correspond to the event that affects eligibility for coverage. You must provide proof of the event that created the special open enrollment (for example, a marriage or birth certificate).
These changes may be allowed as a special open enrollment:
|If this event happens...||Add dependent||Change medical plan||Change dental plan|
|Marriage or registering a state-registered domestic partnership, birth, adoption, or assuming a legal obligation for total or partial support in anticipation of adoption.||Yes||Yes||Yes|
|Child becomes eligible as an extended dependent through legal custody or legal guardianship.||Yes||Yes||Yes|
|Subscriber or dependent loses eligibility for other coverage under a group health plan or through health insurance, as defined by the Health Insurance Portability and Accountability Act (HIPAA).||Yes||Yes||Yes|
|Subscriber has a change in employment status that affects the subscriber’s or dependent’s eligibility for the employer contribution toward his or her employer-based group health plan.||Yes||Yes||Yes|
|Subscriber's dependent has a change in his or her own employment status that affects his or her eligibility for the employer contribution under his or her employer-based group health plan.||Yes||Yes||Yes|
|Subscriber or dependent has a change in enrollment under another employer-based group health insurance plan during its annual open enrollment that does not align with the PEBB Program’s annual open enrollment.||Yes||No||No|
|Subscriber’s dependent moves from outside the United States to live within the United States, or from within the United States to live outside of the United States.||Yes||No||No|
|Subscriber or dependent has a change in residence that affects health plan availability.||No||Yes||Yes|
|A court order or National Medical Support Notice requires the subscriber or any other individual to provide insurance coverage for an eligible child of the subscriber.||Yes||Yes||Yes|
|Subscriber or dependent becomes entitled to or loses eligibility for Medicaid or a state Children’s Health Insurance Program (CHIP).||Yes||Yes||Yes|
|Subscriber or a dependent becomes eligible for a state premium assistance subsidy for PEBB health plan coverage from Medicaid or CHIP.||Yes||Yes||Yes|
|Subscriber or dependent becomes entitled to Medicare or loses eligibility for Medicare, or enrolls in or terminates enrollment in a Medicare Part D plan.||No||Yes||Yes|
|Subscriber’s or dependent’s current health plan becomes unavailable because the subscriber or enrolled dependent is no longer eligible for a health savings account (HSA).||No||Yes||Yes|
|Subscriber or dependent experiences a disruption of care that could function as a reduction in benefits for the subscriber or his or her dependent for a specific condition or ongoing course of treatment (requires approval by the PEBB Program).||No||Yes||Yes|
For more details, see PEBB Program Policy 45-2A and refer to Washington Administrative Code (WAC):
- When may a subscriber change health plans?
- When may subscribers enroll or remove eligible dependents?
From November 1–30 each year, you can make changes to your PEBB Program account that will take effect January 1 of the following year.
During open enrollment you can:
- Change medical or dental plans.
- Enroll or remove eligible dependents.
During open enrollment you can make changes online using My Account. You can:
- Change your medical and/or dental plan(s).
- Remove family members from your coverage.
Please print or save your confirmation page when you’ve completed your changes. Check back in a two business days to verify the coverage you selected and your spousal or registered domestic partner coverage attestation is correct.
When you submit an online plan change, please wait two business days to make any additional online plan changes.
If you sign up for COBRA coverage, you can switch to a Marketplace plan during the Marketplace’s open enrollment period or if you have another qualifying event that triggers a special enrollment period. If you cancel COBRA coverage early without another qualifying special open enrollment event, you’ll have to wait to enroll in Marketplace coverage until the next Marketplace open enrollment period. You could end up without any health plan coverage in the interim.
Once your COBRA coverage expires, you’ll be eligible to enroll in Marketplace coverage through a special enrollment period, even if the Marketplace open enrollment period has ended.
If you sign up for Marketplace coverage instead of COBRA coverage, you cannot switch to COBRA coverage under any circumstances.