Coverage Changes Due to Death

Survivor(s) of Active Subscribers

Your eligible dependents may participate in one of the MCHCP plans if one of the following conditions is met, they:

• Have had coverage through MCHCP since the effective date of the last Open Enrollment period, OR
• Have had other health insurance for the six months immediately prior to your death - proof of insurance including effective dates of coverage and termination date is required, OR
• Have had coverage since first eligible;

AND

You, the subscriber:

• Die as an active vested employee.
• Die while vested and are receiving a long-term disability benefit from an employer sponsored program.

To enroll as a survivor, your dependents must notify MCHCP within 31 days of your death, complete the Enroll/Cancel/Waive/Change form and pay the required premium. If survivors do not elect coverage within 31 days, they cannot enroll at a later date. If the survivor marries, has a child or adopts a child, the dependent must be added when first eligible. If dependents are not enrolled when first eligible, they cannot enroll at a later date.

Under certain circumstances, your dependents may qualify for continued medical coverage under provisions of COBRA. Your dependents are responsible for the full cost of the premium from the date of their loss of coverage.

Survivor(s) of Terminated Vested Subscribers or Retired Subscribers

If you, the subscriber, die as a terminated vested or retired subscriber, dependents covered under your MCHCP plan at the time of your death may continue in one of the MCHCP plans.

Coverage must be elected within 31 days of your death. To continue coverage, your dependents must submit an Enroll/Cancel/Waive/Change form and pay the required premium. To obtain the form, contact MCHCP. If coverage is not elected within 31 days, dependents cannot enroll at a later date.

If the survivor marries, has a child or adopts a child, the dependent must be added when first eligible. If dependents are not enrolled when first eligible, they cannot enroll at a later date.

Death of a Dependent

When a covered dependent dies, the dependent’s coverage ends on the date of death. If there is a change in your level of coverage, your premium is pro-rated the month of the death. Submit an Enroll/Cancel/Waive/Change form within 31 days of the death. If you are actively employed, submit the form to your human resources/payroll office. If you are retired or terminated vested, submit the form to MCHCP. (Contact MCHCP or your Public Entity to obtain the form.)