Hellobee Boards

I would think of it this way (or try to explain it this way).

DH is the employee
He is having a qualifying life event (birth of a child)
This allows him to change HIS insurance plan.
He will choose to change from an individual plan to a family plan (or really should be whatever he chooses).

I thought all dependents were able to switch? I would press them on this. This is definitely a qualified event, and mandated by federal law. It doesn't make sense that you can switch into his plan and not your LO.

@littlejoy: I think for employer-based plans, I can't leave my plan unless there is a qualified life event or open enrollment. Don't quote me on that though

@littlejoy: I am just seeing this. I tried to switch DD and myself to DH's plan after DD was born. I was told it was only a "qualifying event" in that it allowed me to add the baby. We just left the kids on my plan until open enrollment. But it wasted a lot of money.

But it seems like there are different interpretations of these rules. This year DH is switching jobs so we need to put everyone on my plan temporarily until he is benefits elegible. Last time that happened, HR told me that they couldn't switch us back until open enrollment. This time they said they can take us back off the plan when he is eligible no problem. This is a different HR person than last time. So it seems like it should be clear but is not.

@littlejoy: that sounds complicated--it is so annoying! But it does seem very subject to interpretation. I hope the switch is easy after the new baby comes.