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SPECIAL ENROLLMENT

Changing or Losing Your Job?

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OVERVIEW

Job Changes and Special Enrollment

Sometimes, a change in your job means losing your employer's health plan. You don’t have to go without coverage. When your job changes, you may be able to choose a new plan during Special Enrollment.

Qualifying Events

Get Health Care Coverage When Your Job Changes

If your job changed and you lost your health plan, you may be able to get a new Blue Cross and Blue Shield of Montana plan through Special Enrollment. Learn about the events that qualify you.

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Fewer hours

Getting your health benefits cut because of the hours you work.

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Leaving your job

Losing your health plan because you quit or found a new job.

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Losing COBRA

Losing COBRA because you reach the end of your coverage.

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Getting laid off

Losing your insurance because you were fired or laid off.

TIMELINE

How Long Do You Have to Enroll?

You typically have 60 days1 after going through a job change to compare your BCBSMT options online, pick a plan and finish enrolling.

Get Started
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Documentation

Proof of Your Life Event

Because the life event you went through means you lost your coverage, you’ll need to submit proof of the event. This could be something like a letter from your company or a COBRA letter.

Check Valid Documents

FAQs

Common Questions When Your Job Changes

1 Deadlines and enrollment qualifications may be different for Group, Medicare or Medicaid plans.

Members of American Indian and Alaska Native tribes can enroll any month, not just during open enrollment. You can even apply for cost assistance.