As many of you know, Drake’s health insurance plan is a self-insured plan. While Wellmark facilitates the claims process, Drake pays the claims. We have certain fiduciary obligations in administering the plan. We must act solely in the interest of our employees for the exclusive purpose of providing benefits and defraying reasonable expenses relating to plan administration. Part of these obligations include ensuring that only people who are eligible for coverage are on the plan—this includes employees, dependent children, spouses, and domestic partners.

If you decide to elect coverage, you can include eligible children on the health insurance plan until they reach age 26. Our health plan will discontinue coverage on the last day of the month in which your child turns 26. Certain exceptions apply for disabled dependent children older than age 26 who meet specific criteria.

If your spouse or domestic partner is enrolled in our plan, and you experience a divorce or dissolution of a relationship, your spouse’s/domestic partner’s health insurance coverage will be discontinued when the divorce/dissolution is final.  The plan requires you to inform us of such changes and there are penalties if you do not.

Requirement to Notify Group Sponsor: You must notify your employer or group sponsor within 60 days of most events that change the coverage status of members and within 60 days of events related to divorce or annulment, legal separation, your dependent child losing eligibility for this coverage, Medicaid or CHIP eligibility. If you do not provide timely notification of an event that requires you to remove an affected family member, your coverage may be terminated. If you do not provide timely notification of a coverage enrollment event, the affected person may not enroll until an annual group enrollment period. (Blue Choice Plan, p.77; Blue Alliance Select Plan, p.75).

As part of our diligence in administering our health insurance plan, we will be conducting a dependent audit in 2023. That means, we will be ensuring that only eligible children, spouses and domestic partners are on the plan. If you have failed to report any changes in status, you still have time to make corrections for 2023. If you have enrolled a dependent in the plan who is not eligible, you still have time to make that correction, too. If you have a dependent child who is under age 26, they may remain on the plan through the end of the month in which they turn 26.

If someone is covered by our plan and they lose eligibility during the 2023 plan year, please contact Drake Human Resources (drakehr@drake.edu), so we can make necessary changes and determine whether access to coverage through COBRA may apply.

— Marlene Heuertz and Maureen De Armond, Human Resources