Adoption is considered a qualifying life event and allows members to add a newly adopted child to their coverage outside of Open Enrollment. To add an adopted child, the member must submit a life event through the THT Member Portal within 60 days of the adoption or placement.
Navigate to the Covered Members section of the portal and select Add Dependent. You will need to upload either an Adoption Decree. If the official Adoption Decree is not yet available, a Placement Decree may be accepted temporarily, as long as the official Adoption Decree must be submitted within six months of the adoption.
Children added due to adoption become effective on the date of adoption or placement.
If the life event is submitted more than 60 days after the adoption, the member must submit an appeal for consideration.
Steps to Complete
Log in to the THT Member Portal
Navigate to the Covered Members section and select Add Dependent
Select Birth or Adoption of a Child
Enter the adoption date
Complete the prompts and enter all dependent information.
Upload the Adoption Decree and fill out the required fields
If a Placement Decree was initially submitted, provide the official Adoption Decree within six months of the adoption
Submit the life event request for review.
Processing Timeline
Most life events are processed within 2-3 business days.
Members will receive a determination letter once the request has been processed.
If the request is approved, the new dependent will generally appear in the THT systems within 24–72 hours, and replacement ID cards will be mailed to the member's address on file within 2–4 weeks.
Premiums After a Qualifying Life Event (QLE)
Submitting a QLE might affect your premium and result in additional premiums due. For information on how any balances are collected, visit the article on premium arrears.