Late enrollment in CHP – only during an Annual Open Enrollment period, unless the reason for the late application falls under Special Enrollment eligibility requirements as defined by the Health Insurance Portability and Accountability Act (HIPAA). If an employer offers its workers the option of another health plan in addition to the CHP, any worker who joins the other health plan and later wants to switch to the CHP will be eligible for enrollment in the CHP only during an Annual Open Enrollment or Special Enrollment period.

Late enrollment in CRP – retroactive to the first day of the month following the date of the worker’s full-time employment. Contributions will be billed retroactively, and a late payment fee will be assessed to help cover lost investment earnings.

Late enrollment in CDSP – effective the first day of the month following the receipt of the enrollment form in the Concordia Plan Services office.