2025 Benefits Guide

Eligibility

When and how can I make changes?

Once you enroll, the choices made will stay the same through 2025. You can only make a change if you have an IRS-Qualifying Life Event. 
Here is a summary of the events and related required documentation that must be submitted within 31 days of the event.

  • Marriage or new domestic partnership.
    • Marriage certificate, marriage license, or domestic partnership affidavit (domestic partnership only)
  • Divorce or dissolution of domestic partnership.
    • Divorce decree, legal separation documentation, or affidavit of termination (domestic partnership only)
  • Birth.
    • Birth certificate, hospital records, or certificate of live birth
  • Adoption.
    • Adoption records or amended birth certificate with the team member listed as the parent
  • Change in employment for you or your spouse/ domestic partner.
    • If your status changes, or the status of a spouse/domestic partner who works for Carle Health changes, documentation is not required. Simply indicate if you or your spouse/domestic partner is the team member experiencing the status change.
  • Involuntary loss of outside coverage, which could include through a spouse or domestic partner's employment change, loss of Medicaid eligibility, divorce or dissolution of domestic partnership.
    • Verification letter from your spouse/domestic partner’s employer, or the coverage provider, detailing: why coverage ended, when coverage ended, what coverage was lost and who was covered.
  • Gaining outside coverage, which could include through a spouse or domestic partner's employment change, gaining Medicaid eligibility and electing coverage, marriage or new domestic partnership.
    • Verification letter from your spouse/domestic partner’s employer, or the coverage provider, detailing: coverage was enrolled, when coverage started, what coverage was elected and who is being covered.
  • Passing of a dependent.
    • Death certificate

Please remember that if you do not submit a change with supporting documents by the 31-day deadline, you must wait until the next open enrollment period to make benefit changes.