Can I change insurance carriers?

 -If you experience a Special Qualifying Event, you are able to change your health insurance coverage choices to any plan option and carrier of your choosing.

 Example: You are enrolled in Standard PPO BCBST Single plan. Your spouse is terminated from his or her job. You add your spouse and children to your coverage and choose the Premier PPO Cigna LocalPlus Employee+Spouse+Child(ren) plan. This is acceptable.

 -If you experience a Life Event (marriage, birth, adoption), you are able to change your coverage level (Employee+Spouse, Employee+Child(ren), etc.) to whatever you like, but you have to remain under the same carrier (BCBST or Cigna).

 Example: You are enrolled in Standard PPO BCBST Single plan. You get married. You add spouse to coverage and want to change to the Premier PPO Cigna LocalPlus Employee + Spouse+Children plan. This is not acceptable.

 Example: You are enrolled in Standard PPO BCBST Single plan. You get married. You add spouse to coverage and choose to enroll in the Premier PPO BCBST Employee+Spouse plan. This is acceptable.

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