Coe Agency, LLC

Business and Individual Insurance Specialists

FAQ

Health Insurance

  1. What do I do if I have received a decline letter from a carrier or have a pre existing condition?

    Coe Agency will either use the decline letter you have already received, or work on getting one so that we can proceed with assisting you in applying to the New Mexico Medical Insurance Pool or the New Mexico Health Insurance Alliance. There are options available to you and we will work with you every step of the way in showing you those options.

  2. I missed my group's open enrollment period. What can I do?

    If you get your health benefits through your job, you'll typically have an annual open enrollment period.

    If you miss your company's open enrollment period for health insurance benefits, you may be out of luck unless you have recently experienced a significant, life-changing event that would trigger a special enrollment period. A special enrollment period could be triggered if you are covered on someone else's plan and lose that coverage. For example, if you are covered on your spouse's plan, but your spouse loses her job or you become divorced, this would trigger a special enrollment period that would allow you to enroll in your company's health plan right away. Additionally, if you marry, have a child, or adopt a child, you could enroll your dependents right away in a special enrollment period.

    If nothing has happened to trigger a special enrollment period, you will most likely have to wait until the next open enrollment period to sign up for health benefits.

  3. How do I add a dependent to my employer sponsored health insurance plan?

    If your child or spouse was previously covered on someone else's insurance plan, and in turn  lost coverage, this may trigger a special enrollment period that would enable you to enroll them immediately, rather than waiting until the next open enrollment period.

    If you give birth to or adopt a child, you can enroll that child in your health plan right away. It should be as simple as notifying your Human Resources department that you have a new family member. They will provide you with the necessary forms to enroll your child. Be sure to take care of this within 30 days of birth or finalization of your adoption - otherwise, you may have to wait until the next open enrollment period.

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