To enroll in a health insurance plan outside of the Open Enrollment Period (OEP), you need to have a Qualifying Life Event (QLE), for example, getting married, having a baby or losing other health insurance coverage. A qualified life event opens a Special Enrollment Period (SEP).
Note: If you recently lost your Medicaid coverage, you may have up to 120 days after your coverage ends to enroll in a plan with BeWell. For all other life events, you have up to 60 days from the event date to enroll. Native Americans in New Mexico can apply for health insurance year-round. Find coverage options for Native Americans.
Steps to Confirm a QLE
You will need to confirm the QLE with BeWell to apply for or change your health insurance coverage. Follow these steps:
- Create an account or login to your existing account.
- Complete the application and go to your dashboard.
- At the top of the dashboard under “Next Steps” click the “Confirm Event and Shop” button.
- Click the dropdown next to “Qualifying Life Event”.
- Select the life event that best describes your recent change.
- Select the date you experienced the life change.
- Check the box to confirm you provided true answers and click the “Continue” button.
- Follow the prompts to submit documentation, if required.
List of Documents to Confirm a QLE
You may be prompted to submit documents to confirm you have had a Qualifying Life Event (QLE). Here is a list of documents that you can submit.
Examples of documents you may submit include:
- Postal Service change of address confirmation letter
- Mortgage or rental document, such as a mortgage deed or rental agreement with a start date at your new address
- Bills or financial statements that show a change of address or newly started services at your new address
- Letter from a government organization on official letterhead or stationery, that shows a change of address to your new address, such as a Social Security statement or a notice for SNAP (food stamps)
- Homeowner’s or renter’s insurance policy or statement showing your current address.
- Document showing you moved from outside the U.S., such as an Arrival/Departure Record (I-94/I-94A) (in a foreign passport or separately) that shows your date of entry into the U.S
When you move, you must also submit documents to show you had health insurance or Minimum Essential Coverage (MEC) for at least one day during the last 60 days before you moved.
If you moved from outside of the U.S., you will need to include a document showing your old address was outside the U.S.
If you are homeless or in transitional housing, you can submit a reference letter from a person in your state who can confirm you live in the area permanently. This person must also prove their own residency by including one of the documents listed. Contact BeWell with questions.
Documents must show you gained lawfully present status or citizenship within the past 60 days. Documents must include your name, immigration status and the date on which citizenship or lawful presence was gained.
Examples of documents you may submit include:
- Birth certificate
- Certification of Report of Birth
- Certification of citizenship or naturalization
- Evidence of U.S. Civil Services employment before June 1, 1976
- Federal or state census record
- Final adoption decree
- Immigrant visa on unexpired foreign passport
- Medical records
- Military record showing U.S. place of birth
- Notice of Action (I-797)
- Northern Marianas ID card
- Official religious records
- PASS card
- Report of birth abroad of a U.S. citizen
- School records
- Section 1-1 of the Child Citizenship Act of 2000 documentation
- Temporary I-551 Stamp (on passport or I-94/I-94A)
- Arrival/Departure Record (I-94/I-94A)
- Arrival/Departure Record in foreign passport (I-94)
- Permanent Resident Card (Form I-551)
- Tribal Affiliation card or document
- Unexpired foreign passport
- U.S. citizen ID card (Form I-197) or U.S. passport
- Certificate of Eligibility for Exchange Visitor Status (DS-2019)
- Certificate of Eligibility for Nonimmigrant Student Status (Form I-20)
- Reentry Permit (Form I-327)
- Refugee Travel Document (Form I-571)
- Employment Authorization Document (I-766)
- Administrative order staying removal issued by the Department of Homeland Security
- Document indicating withholding of removal
- Form I-360 prima facie determination notice
- Certification from U.S. Department of Health and Human Services (HHS) Office of Refugee Resettlement (ORR)
- Office of Refugee Resettlement (ORR) eligibility letter (if under 18)
Loss of Minimum Essential Health Coverage
- Proof of loss of insurance which includes name and end date from insurer (Medicare, VA, Tricare, Employer Sponsored Insurance (ESI), etc.)
Loss of Eligibility for Employer Health Reimbursement Arrangement (HRA)
- Proof of loss of HRA from employer with employee name and end date.
Offered a Qualified Small Employer HRA or Individual Coverage HRA
- Proof of gaining QSEHRA or ICHRA from employer with employee name, start date, end date and amount issued.
Easy Enroll
- Copy of the state tax form, showing that the box was checked to share information with Health Care Authority (HCA) and BeWell.
Released from Incarceration
- Copy of court order setting conditions of release.
Error – Due to Assister/Broker/Exchange/Denefit Display
- Statement letter with specific information regarding the error, which could include screenshots, contact information, emails, or any proof supporting the request.
Questions? Call 833-862-3935, chat with us, or schedule a free appointment with a certified assister.
