Health Insurance Dual Choice
What is Dual Choice?
Dual Choice is the annual opportunity for you to change from one health plan to another, or to change from single to family coverage without waiting periods or exclusions for pre-existing medical conditions. To be eligible, you must be insured as of October 1.
Will I receive something in the mail?
If you are the subscriber of the health plan and insured as of October 1, you will receive a Dual Choice booklet mailed to you at your campus address the first week of October.
What information in the booklet should I review or verify?
- Review the premiums for any change in your share.
- Review the coverage of each plan.
- Review the "Notable Plan and Program Changes" section and the individual plan descriptions.
- Verify that your current plan will be available in your area.
- Verify that your selected physicians, clinics and/or hospitals are still available under your plan.
Whom should I call with specific benefit or provider questions?
Call the health plan directly.
Then what should I do?
If you elect to change your health plan or change your coverage level from single to family, obtain a health insurance application from your division or department benefits coordinator. Complete the application and return it to your benefits coordinator during the Dual Choice Enrollment period. No action is necessary if you do not elect to make changes.
What if I miss my opportunity?
You will have to wait until the next Dual Choice opportunity next year. You can change to the Standard Plan anytime; however, you will be subject to a 180-day waiting period for pre-existing conditions. If you missed Dual Choice enrollment for reasons outside of your control, contact Employee Compensation and Benefits Services. That office will determine whether you might be eligible to file a "late dual choice" enrollment.