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Coverage Effective Dates for Dependents other than Newborn Children

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Determining coverage effective date for dependents other than newborn children
 
A dependent’s coverage becomes effective on the date the dependent satisfies all eligibility requirements, provided timely application is made.  
 
If application is not made within 31 days after the dependent first becomes eligible, in most cases coverage will become effective on the first billing due date following our receipt of the employee’s application for the dependent coverage, provided the dependent’s evidence of insurability is approved.  
 
Exceptions
 
Dependent coverage can never become effective before the employee’s coverage is effective.
A dependent child’s life insurance can never become effective before the child is 15 days old (unless stated otherwise in the group certificate).
If a dependent is an inpatient on the day before the date coverage would otherwise become effective, the dependent’s effective date will be delayed until a period of 3 consecutive days has passed during which the dependent has not been an inpatient.
Special rules apply if the employee’s application for non-contributory dependent coverage (where the employee does not contribute toward the premium) is not submitted within 31 days after the date when the dependent becomes eligible. In that case, the dependent coverage will become effective on the first billing due date following the date the employee became eligible for dependent coverage. A retroactive premium charge will be assessed. Evidence of insurability will not be required.
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Anthem Blue Cross and Blue Shield is the trade name of: In Colorado Rocky Mountain Hospital and Medical Service, Inc. HMO products underwritten by HMO Colorado, Inc. In Connecticut: Anthem Health Plans, Inc. In Indiana: Anthem Insurance Companies, Inc. In Kentucky: Anthem Health Plans of Kentucky, Inc. In Maine: Anthem Health Plans of Maine, Inc. In Missouri (excluding 30 counties in the Kansas City area): RightCHOICE® Managed Care, Inc. (RIT), Healthy Alliance® Life Insurance Company (HALIC), and HMO Missouri, Inc. RIT and certain affiliates administer non-HMO benefits underwritten by HALIC and HMO benefits underwritten by HMO Missouri, Inc. RIT and certain affiliates only provide administrative services for self-funded plans and do not underwrite benefits. In Nevada: Rocky Mountain Hospital and Medical Service, Inc. HMO products underwritten by HMO Colorado, Inc., dba HMO Nevada. In New Hampshire: Anthem Health Plans of New Hampshire, Inc. In Ohio: Community Insurance Com pany. In Virginia: Anthem Health Plans of Virginia, Inc. trades as Anthem Blue Cross and Blue Shield in Virginia, and its service area is all of Virginia except for the City of Fairfax, the Town of Vienna, and the area east of State Route 123. In Wisconsin: Blue Cross Blue Shield of Wisconsin ("BCBSWi"), which underwrites or administers the PPO and indemnity policies; Compcare Health Services Insurance Corporation ("Compcare"), which underwrites or administers the HMO policies; and Compcare and BCBSWi collectively, which underwrite or administer the POS policies. Independent licensees of the Blue Cross and Blue Shield Association. ® ANTHEM is a registered trademark of Anthem Insurance Companies, Inc. The Blue Cross and Blue Shield names and symbols are registered marks of the Blue Cross and Blue Shield Association. Use of the Anthem Web sites constitutes your agreement with our Terms of Use