What are the qualified changes in status as governed by the IRS that allow me to change my plan choice before annual enrollment?
Call the Caterpillar Health Enrollment Center at 1-833-735-2127 or refer to your Summary Plan Description for a full listing of qualified events as govered by the IRS. You can access your SPD on CatHealthEnrollment.bswift.com.
If I change my health care plan due to a qualified status change event, what happens to my deductible and MOOP?
The deductibles and MOOPS do not automatically transfer between healt hcare administrators, such as a move from a UnitedHealthcare option to the Blue Cross Blue Shield EPO. To transfer a deductible/MOOP, the participant must provide the administrator of the plan option they're moving to with a final Explanation of Benefits from their previous plan option administrator. The participant should call their new plan option administrator for specific instructions (BCBS 1-844-228-2227 or UHC 1-866-228-4215).
If you change between UnitedHealthcare-administered options, your deductible and MOOP do transfer automatically from one plan option to the other.
Who should be notified in the event of a death?
If I gain a dependent child next year, will I be allowed to change my healthcare plan choice?
Yes. Gaining a dependent child is a qualified status change as governed by the IRS that will allow you to make a new choice for your healthcare plan. You must contact the Caterpillar Health Enrollment Center within 31 days of the event. After enrolling a new dependent, you must also complete the dependent verification process or your dependent will be dropped from coverage.
Does adoption count as a qualified change in status as governed by the IRS?
Yes, adoption is considered a qualified status change as governed by the IRS.
If I miss the date to take action, such as adding a new dependent, what can I do?
Your next opportunity to add a dependent would be at annual enrollment unless you have a qualified status change that would allow you to make a change to your election.