State RegulationsMI specificDifficulty 1/5
A Lansing employee who previously declined her employer's small-employer health coverage loses her other health coverage through exhaustion or termination. Under M.C.L. 500.3708, within how many days of losing that coverage may she request special enrollment?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
M.C.L. 500.3708(2)(c) of the Michigan Insurance Code gives employees who lose other coverage a special enrollment right if the request is made within 30 days of the exhaustion or termination of the prior coverage. The carrier must then enroll the employee despite the earlier declination, which is why timing is decisive in small-employer enrollment disputes.
Why the other options are wrong
- A) 15 days is the appointment-filing window under M.C.L. 500.1208a(2), not the special enrollment request period.
- B) 60 days is the claim-interest trigger under M.C.L. 500.2006, not the special enrollment window.
- C) 45 days is the clean-claim payment deadline under M.C.L. 500.2006, not the enrollment request period.
Memory hook
Lost other coverage? Ask within 30 days or wait for open enrollment.