Benefits Eligibility Criteria

Eligibility for CMU Choices Coverages

As a benefit eligible CMU employee, you may cover the following individuals on your medical, prescription drug, dental, vision, and dependent life insurance plans:

  • Legal spouse, unless you are divorced or legally separated under an order of separate maintenance. A spouse by common law marriage is not an eligible spouse.
  • University-registered Other Eligible Individual (OEI) as described here.
  • Child who meets the eligibility criteria listed here.

The following coverage rules apply to spouses and OEI who are also eligible for coverage as a CMU employee or as an employee of another organization that offers health coverage as outlined below.

  • Spouse and OEI who are both benefit eligible CMU employees may:
    • Each enroll individually for medical/prescription drug, dental or vision coverage; or
    • One of you may cover the other on these plans while the other person elects no coverage.
    • Only one of you may cover eligible children on the medical, prescription drug, dental or vision plans.
    • Both you and your spouse or OEI may carry spouse/OEI life insurance on each other and may carry child life insurance for all eligible children.
  • Spouses and OEI who are offered coverage through their employers MUST enroll in at least single coverage through their own employers' medical, prescription drug, and dental plans, unless the spouse/OEI is charged 100% of the cost of the coverage through that employer. This provision does not apply to Regular Faculty.

Additional Important Information:

Adding or removing your spouse, other eligible individual and/or children from your coverages is allowed:

  • During CMU's annual open enrollment period for coverage changes effective as of the first day of the next plan year (July 1st); OR
  • Within 30 calendar days of a qualifying status change event, such as a marriage/divorce, birth/adoption of a child or the gain/loss of coverage eligibility as described above. Additional information on status change events is available here.

Failure to act within thirty (30) calendar days of a qualifying status change will prevent you from adding newly eligible members to your coverage until the next open enrollment period for that benefit plan. It may also result in the loss of COBRA continuation coverage rights for the person who was not removed from coverage when eligibility ended, such as through a divorce or child no longer meeting eligibility criteria.

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Phone: 989-774-4000

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