Overview
After you make your initial benefits elections, you may not change or cancel your benefit elections during 2025 unless you experience a qualifying life event or qualify for special enrollment.
Qualifying life events include, but are not limited to:
- Marriage
- Divorce or legal separation
- Birth or adoption of an eligible child
- Death of your spouse or covered child
- Loss or addition of other group coverage
- Change in your spouse’s work status (part-time to full-time or vice versa; taking or returning from an unpaid leave of absence)
- Change in your work status that affects your benefits
- Change in residence that affects your eligibility for coverage
- You or your covered dependent becomes eligible for Medicare
Health Insurance Portability and Accountability Act (HIPAA) Special Enrollment Provisions
Special enrollment events allow you and your eligible dependents to enroll for health coverage outside the Annual Benefits Enrollment period under certain circumstances.
What to do if you experience a life event
If you need to make changes to your 2025 benefit elections as a result of a qualifying life event, visit the Aptia365 (formerly Mercer Marketplace 365+) website or call a benefits counselor at the Transamerica Benefits Center at 866-891-4274. You may be asked to provide documentation to serve as proof of the life event. If so, you will be given instructions that explain what documentation is required. Changes must be made within 30 days* of your qualifying life event. All changes other than birth and adoption are effective on the first of the month following the date of the event.
*For loss of Medicaid or CHIP eligibility, changes must be made within 60 days. For court orders (QMSCO), changes must be made within 30 days.
Dependent verification
If you add a dependent to coverage as the result of a qualifying life event, you must provide proof of the dependent’s eligibility to Apita’s dedicated Transamerica Benefits Center, including the Dependent Verification Form, which you can find on the enrollment website under Resource Center. After you enroll, information on what documents are required will be available on the Aptia365 (formerly Mercer Marketplace) website. Contact Aptia prior to your deadline if you need information for dependent verification or if you need to extend your deadline. You will have 31 days from the date you enroll your dependent on Aptia365 (formerly Mercer Marketplace) to provide the documentation. If you do not provide dependent verification timely, your dependent will be removed from coverage. You can send verification in one of the following ways:
- Upload to the Aptia365 (formerly Mercer Marketplace) website
- By mail: Mail copies of documentation to Aptia365, PO Box 10398, Des Moines, IA 50306-0398
It may take up to 10 business days to process your dependent verification after documentation has been received.