What Is A Qualifying Life Event?
There Are Two Ways To Add A Dependent
To add a dependent to your policy, you may do so during your open enrollment/renewal period or when a qualifying life event (QLE) occurs. Examples of a QLE include a marriage, birth, or adoption. For more information on qualifying events, please click here.
Annual Plan Renewal - Open Enrollment Period
To add a dependent during your open enrollment/renewal period, you will need to complete a new Personal Health Questionnaire (PHQ). All members that are to be covered must be listed on the new PHQ and answer all health questions. Your PHQ will be reviewed by Underwriting. You will then hear back from your agent regarding your quote. All renewal adds must be completed by the 20th of the month prior to your renewal date. PHQ's submitted after the 20th will not be eligible and will have to wait until your next renewal period. Click below to complete the PHQ.
Qualifying Life Event (QLE)
To add a dependent to your policy due to a qualifying life event, you will need to complete a new Personal Health Questionnaire (PHQ). All members that are to be covered must be listed on the new PHQ and answer all health questions. Your PHQ will be reviewed by Underwriting. You will then hear back from your agent regarding your quote. All QLE dependent adds must be processed within 30 days of the qualifying life event. Adds after 30 days will have to wait until your renewal period. You must also provide proof of the QLE. This information should be emailed to support@ihahealth.com. Your dependent add will not process until proof is received. Click below to complete the PHQ.