When navigating the complex landscape of health insurance, understanding what constitutes a valid waiver is crucial. Different carriers have specific criteria for what qualifies as a valid waiver, allowing individuals to opt-out of certain group health plans. This guide provides a detailed overview of the valid waiver conditions for various major insurance providers, ensuring that employees and employers alike can make informed decisions about their healthcare options.
Aetna
What is considered a Valid Waiver?
- Spousal Group Coverage
- Parental Group Coverage
- Enrolling as dependent in the group health plan
- Individual Coverage
- Medicare
- Medi-Cal
- TRICARE
Anthem BlueCross
What is considered a Valid Waiver?
- Other Group Coverage
- Individual Coverage
- Enrolling as dependent in the group health plan
- Medicare
- Medi-Cal
- TRICARE
Blue Shield of California
What is considered a Valid Waiver?
- Other Group Coverage
- Individual Coverage
- Medicare
- Medi-Cal
- TRICARE
CaliforniaChoice
What is considered a Valid Waiver?
- Other Group Coverage
- Enrolling as dependent in the group health plan
- Medicare
- Medi-Cal
- TRICARE
Health Net
What is considered a Valid Waiver?
- Other Group Coverage
- Individual Coverage
- Enrolling as dependent in the group health plan
- Medicare
- Medi-Cal
- TRICARE
Kaiser Permanente
What is considered a Valid Waiver?
- Other Group Coverage
- Enrolling as dependent in the group health plan
- Medicare
- Medi-Cal
- TRICARE
UnitedHealthcare
What is considered a Valid Waiver?
- Other Group Coverage
- Individual Coverage
- Enrolling as a dependent in a group health plan through a different employer
- Medicare
- Medi-Cal
- TRICARE
Please refer to the carrier guidelines for additional information
