In general, members can only change benefits once every year during an employer's open enrollment period. The exception to this rule is qualifying life events.
If you are eligible for benefits and have satisfied your benefit waiting period, the following qualifying life events would allow you to change your benefits for yourself, your spouse, or your dependents mid-year:
If you do not see your specific situation/scenario listed, please contact your HR administrator or our Member Advocate Team for assistance with the next steps.
Common qualifying life events:
- They got married/entered into a Domestic Partnership/common law marriage
- They got divorced/legal separation
- Birth/Adoption/Legal Guardianship
- They/their dependent lost their existing health insurance coverage
- They/their dependent gained other health insurance coverage
- They/their dependent gained coverage under Medicaid or CHIP
- They/their dependent gained coverage through Medicare
- Court-ordered Enrollment Change
- Death of a dependent
How to make changes to your benefits when experiencing a Qualifying Life Event:
- To begin, log in to your member dashboard and click on the "Benefits: Medical" tab
2. Next, click the blue hyperlink that says "Need to make changes to your benefits?" located in the top right corner.
3. A pop-up will appear titled "Make Changes to Your Benefits." You should click the "Change Your Benefits" button, then select "Get Started."
4. Next, choose the Qualifying Life Event (QLE) that best fits your situation.
5. Choose the date the life event took place. Please note that future events can not be submitted.
6. Confirm or edit your details
7. Add, remove, or edit family members/dependents.
8. Choose your Health Benefits.
Lastly, review the changes and click "Submit & Enroll" to finalize your selections. Once the changes have been submitted, they will be sent to your company's admin for approval
Always refer to your Summary Plan Description (SPD) for full details on qualifying life events.
You only have *31 days after a qualifying life event to make changes to your benefits. To get started, log in to your Member dashboard and select the Benefits tab. Then go to the blue hyperlink that says “Need to make changes to your benefits?”
Once you submit your request, your employer will be contacted for approval.
- If approved, your benefits will start or end on the date of your QLE.
- Sana does not prorate monthly premiums.
*Please note that birth QLE's must be reported within 30 days rather than 31.
Have questions? We've got you covered.
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Connect with Customer Support directly through the chat icon on most Sana pages or call us at (833) 726-2123 Monday through Friday, 7 AM to 7 PM Central.