Q.- Our employee’s wife gave birth to a baby in February. Our employee would have 30 days from the baby’s birth to enroll the child in our coverage. Our employee knew of the process, but did not enroll his child. Instead, the baby was covered under his wife’s plan. His wife is losing health coverage. Can the baby come onto our plan? Open enrollment does not start until the fall.
A.- Yes. The baby can be enrolled in your plan so long as the employee lets you know of the enrollment 30 days after the wife’s loss of coverage. This would be a special enrollment event under HIPAA that would allow the mid-year enrollment.
