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FOR EMPLOYEES AND NON-MEDICARE-ELIGIBLE RETIREES
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Examples of Qualifying Status Change Events:
• Change in dependents due to birth, adoption, marriage, di-
vorce, death, or reaching the maximum age limit for the plan.
• Involuntary loss of other medical insurance coverage for your-
self or your dependents.
• You or your dependent child’s enrollment in or loss of SCHIP,
Medicaid, Medicare or Medical Assistance coverage.
• Employee or Retiree moving out of the Blue Choice HMO ser-
vice area.
• Significant mid-year change in cost or plan coverage in the
Anne Arundel County sponsored plans.
Consistent Coverage Level for Employees
Four coverage level options are available: Individual, Parent &
Child, Employee/Retiree & Spouse, or Family. Employees must
have a consistent coverage level for the medical, dental and vi-
sion plans. Retirees may elect a different coverage level for each
insurance plan.
Duplicate Coverage
A husband and wife who are both active AACG employees and/
or retirees may not have duplicate coverage under any plan by
covering each other under separate enrollments. Also, children
of two employees and/or retirees may not be covered twice un-
der both parents’ plans. This rule includes life insurance, medi-
cal, dental and vision coverage. It is your responsibility to make
sure that you or your dependents do not have duplicate County
coverage. Duplicate benefits will not be paid. In the event bene-
fits are paid, you will be responsible for reimbursing the county.
Special Enrollment Periods for Employees and
Dependents
If you decline enrollment in the Plan’s health coverage options
for yourself or your dependents (including your spouse) be-
cause of other health insurance or group health plan coverage,
you may be able to enroll yourself and your dependents in the
Plan’s health coverage features if you or your dependents lose el-
igibility for that other coverage (or if an employer stops contrib-
uting towards your or your dependents’ other coverage). How-
ever, you must request enrollment within 31 days after your or
your dependents’ other coverage ends (or after the employer
stops contributing toward the other coverage).
You (or your dependent) will be treated as losing eligibility
for other coverage if the coverage is no longer available because
you (or your dependent) have reached a lifetime limit for all
benefits under that coverage. In that case, you must request
enrollment within 31 days of the date that a claim is denied,
in whole or in part, because of reaching that lifetime limit, or,
if the other coverage is COBRA continuation coverage, within
31 days after a claim that would exceed the lifetime limit is in-
curred.
In addition, if you have a new dependent as a result of mar-
riage, birth, adoption, or placement for adoption, you may be
able to enroll yourself and your dependents. However, you must
request enrollment within 31 days after the marriage, birth,
adoption, or placement for adoption.
To request special enrollment or obtain more information,
contact the Benefits Team at
410-222-7400
or at the address
provided in this booklet.
Douglas Hart
Office of Personnel