A letter of eligibility shows your current coverage and everyone on your policy.
In some cases you are asked to prove you have health insurance right now. This letter confirms your current coverage and lists the members on your policy.
Current coverage, in one page.
Your Current Coverage
The plan, and the dates the coverage is in force. Check the dates carefully before you hand the letter to anyone. If you recently enrolled or the plan renewed, make sure the letter reflects the period you need, because a request for proof usually asks whether coverage is active on a particular date.
Everyone on the Policy
The letter lists each member covered, so dependents can show their coverage too. If a spouse or child needs their own proof, confirm that their name appears on the letter before it is sent anywhere. Where a name is missing or misspelled, tell HR early so the record can be corrected with the carrier.
No Medical Detail
It confirms coverage, not diagnoses or claims. Because it shows only that coverage exists, you can share it with a school, agency or other plan without exposing health information. If someone asks for more detail than that, such as benefits or claims history, that is a separate request to the carrier.
The usual reasons someone asks.
Another Plan or Program Asks for It
Applications for other coverage or benefits can require proof of current insurance. Read the request to see exactly what the other organization needs, such as coverage dates, the covered names or the plan type. Sending a letter that matches the request the first time helps avoid delays in your application.
School or Employer Forms
Some ask for a letter instead of a card. Check the form instructions to see whether a letter is accepted and whether it must be recent. If the requester wants a specific format, ask the carrier or HR whether it can be provided, rather than altering the letter yourself.
A Dependent Needs Proof
A dependent can use the letter to show coverage under your policy. Dependents may need the letter for school, activities or another application. Confirm that the dependent is listed and that the coverage dates are current, and keep a copy so a parent or guardian can send it again without a new request.
Start with the plan portal.
Download It from the Member Portal
Most plans let members get a letter on demand. Look for the section on documents or coverage, and have your member ID handy when you sign in. If you have never registered, set up an account first, since the letter is usually available right after you log in.
Ask HR If You Cannot Find It
HR can point you to the portal or the carrier. Tell HR what the letter is for and the date you need it, so they can point you to the right place. If your plan has no portal option, HR can help you contact the carrier’s member services to request one.
Check Eligibility Dates First
A new hire may not have coverage yet. See the waiting period calculator.
Eligible and enrolled are different things. See eligibility and dependent eligibility verification.
What people ask about the letter of eligibility.
Is it the same as proof of qualified health coverage?
They are close but not the same. See proof of qualified health coverage.
Does it show my deductible or benefits?
No. It confirms coverage and members, not plan benefits.
Can I use it for a dependent?
Yes, if the dependent is listed on the policy.
What if a name is missing?
Contact your plan or HR to confirm enrollment of that person.
Is there a fee?
Members can generally download these at no cost.
Can CFH help?
For the accounts we serve, our team can help employees find the right document.
Related reading: Proof of qualified health coverage · Dependent eligibility verification · Waiting period calculator · Eligibility
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