What may be required when an insured waives group coverage but later wants to join during an open enrollment period?

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When an insured waives group coverage but later wishes to re-enroll during an open enrollment period, proof of insurability is typically required. This requirement is based on the principle that the insurance company needs to assess the risk associated with the individual who has previously opted out of the coverage. By providing proof of insurability, the insurer can evaluate the current health status of the insured to determine if they are eligible for coverage at that time.

Proof of insurability may involve completing a health questionnaire or providing medical records. This requirement helps insurers manage their risk and ensures that they are not taking on individuals whose health conditions may have changed for the worse since the initial waiver of coverage.

In this scenario, other options such as proof of past employment, a medical examination, or payment of back premiums are not standard requirements for re-enrollment during an open enrollment period. Open enrollment typically provides a window when individuals are allowed to enroll without such stipulations, although entities may establish specific guidelines.

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