It’s possible to lose NYSHIP eligibility and/or NYSHIP coverage. If you have specific questions, speak with your HBA. Your General Information Book will also have information regarding losing NYSHIP eligibility.
Losing Other Coverage?
If you’re losing your other health insurance coverage and you want to enroll in NYSHIP, speak with your HBA or Agency Contact.
Change in Employment Status
Change in Professional Obligation or Stipend
If you experience a change in professional obligation or stipend, your eligibility for coverage may be affected. Contact your HBA if you experience such a change.
Termination of Employment
If your employment is terminated, your coverage ends 28 days after the last payroll period during which you were paid. If your health insurance deductions are not current when your employment terminates, your coverage will end sooner.
Nonpayment of Premium
If you do not make your premium payments, your coverage will end 28 days after the last day of the last payroll period in which your deductions and/or payments were owed.
If premiums were in arrears prior to leaving the payroll, all deductions and/or direct payments made to EBD will be applied to a previous unpaid pay period.
If You Lose Eligibility
If you lose eligibility as an active employee, you may have options to continue NYSHIP coverage. Speak with your HBA or Agency Contact to learn what specific options are available to you.
COBRA Coverage
You may qualify for COBRA coverage. Together, the federal COBRA law and New York State “mini-COBRA” provides 36 months of continuation coverage.
Direct-Pay Conversion Contracts
Certain enrollees and their covered dependents are eligible for coverage through a direct-pay conversion contract.