Getting married or divorced? Big changes like these are life events. Chances are, you’ll want to change your benefits coverage, too—like adding or dropping a dependent.
You have 31 days from the date of your life event to make allowable midyear changes to your coverage (180 days from the birth or adoption of a child). For details on allowable changes, see your Summary of Benefits Handbook.
If you’re not enrolled when you experience a life event, you’ll need to wait until the next Open Enrollment period to elect coverage. The only exception is if your spouse is a PG&E employee and you have dependent coverage through your spouse’s active employee Health Account Plan (HAP). If you lose your dependent coverage when your spouse retires or loses eligibility for PG&E-sponsored employee coverage, you’ll be able to elect PG&E-sponsored retiree medical coverage.
You can switch to another plan midyear only if you’re enrolled in a plan with a defined service area and you move out of that plan’s service area. Special rules apply if you’re switching in or out of a Medicare Advantage or Medicare COB HMO. Check the current Benefits Enrollment Guide for details and current deadlines.
Did your doctor leave your plan?
You can’t change medical plans if any of your primary care physicians (PCPs), specialists, medical groups, Independent Practice Associations (IPAs), hospitals or other providers leave your medical plan. Instead, you’ll need to use other providers in your plan’s network. You can elect a different plan during the next Open Enrollment.