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1. At what age do you have to remove dependents from the insurance coverage?

Please review the Human Resources page or contact our office. Human Resources

2. Can I change my primary care physician in the middle of an enrollment year?

Employees who have elected to enroll in either the Maryland Point of Service Plan or the BlueChoice HMO may change primary care physicians (PCP) by submitting a Benefit Change Form. Human Resources

3. How do I add or delete dependents to my health care plan?

You may add or delete dependents by submitting a benefits change form if your level of coverage is not changing. If your level of coverage is changing, you must complete a new enrollment form. Human Resources

4. Is there a limit to the amount of time that I have to make changes to my health care dependents?

All additions or deletions must be submitted to the Department of Human Resources within 30 days of the event (i.e. birth, divorce, dependent graduation, etc.) Depending on the type of change, the Department of Human Resources may require proof of the event.

5. What happens if I am covered under another insurance plan and do not need insurance coverage with Harford County Government?

Harford County Government provides a Health Care Incentive Program which places an allotted amount of funds into the flexible spending account of your choice. Human Resources

6. When can I add or delete dependents to my health care plan?

You may add or delete dependent when a qualifying lifestyle change occurs throughout the enrollment year. Examples of lifestyle change include: marriage, divorce, birth of a child, adoption, spouse changes job.

7. When can I make changes in the health care benefit plan that I have enrolled in?

The only time you are eligible to change plans is during Open Enrollment which occurs during the month of May each year for an effective date of July 1st.

8. When does insurance coverage become effective for new hires?

New employees hired between the 1st – 15th of a month are eligible for coverage at the beginning of the next month. For example, if you were hired January 7th, your coverage would become effective February 1st.


New employees hired between the 16th – 31st of a month are eligible for coverage at the beginning of the following month. For example, if you were hired January 17th, your coverage would become effective March 1st.