A loss of coverage is considered a qualifying life event that allows eligible dependents to be added to a Teachers Health Trust (THT) health plan outside of Open Enrollment. To request this change, members must log in to the THT Member Portal and submit a life event under the Covered Members section.
Supporting documentation must be provided to verify both the dependent relationship and the date the dependent's lost their other coverage.
Acceptable documents may include:
Certificate of Coverage from the previous insurance carrier
COBRA documentation (if a Certificate of Coverage is unavailable)
Birth Certificate (for child enrollment)
Adoption Decree (for adopted children)
Marriage Certificate (for spouse enrollment)
Domestic Partnership Certificate (for domestic partners and children of domestic partners)
Once approved, coverage for the dependent will generally become effective on the first day of the month following the dependent's arrival in the United States. Members should report this life event within 60 days of the dependent's arrival. Requests submitted more than 60 days after the arrival date will be denied unless an appeal is approved.
Steps to Complete
Log in to the THT Member Portal
Navigate to the Covered Members section and select Add Dependent
Select My dependent(s) lost other insurance coverage.
Enter the date they lost their coverage
Complete the prompts and enter all dependent information
Upload all required documentation listed above
Submit the life event request for review
Processing Timeline
Most life events are processed within 2-3 business days.
Members will receive a determination letter once the request has been processed.
If the request is approved, the new dependent will generally appear in the THT systems within 24–72 hours, and replacement ID cards will be mailed to the member's address on file within 2–4 weeks.
Premiums After a Qualifying Life Event (QLE)
Submitting a QLE might affect your premium and result in additional premiums due. For information on how any balances are collected, visit the article on premium arrears.