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Who is eligible for coverage?


  • Full time employee working 30 hours or more per week are eligible for medical through Anthem BlueCross Blue Shield, Kaiser, or HMSA depending on your home address. Dental and vision are also available through Anthem as well as voluntary benefits through Unum. Employees working less than 30 hours are not benefit eligible. All employees are eligible to participate in the CrossCountry Mortgage, 401(k) plan, in accordance with the Plan Document eligibility requirements. New hires are given 30 days from their date of hire to enroll in benefits. Effective date for new hire benefits is the 1st of the month following your date of hire. This will apply to medical, dental, vision, FSA, and HSA benefits.


An eligible dependent may be:

  • Your legal spouse;
  • Your domestic partner.
  • Your dependent children under the age of 26;
    • Includes biological children, step-children, legally adopted children, children of domestic partners, a child placed for adoption, or any child for whom you have been court appointed as legal guardian or legal custodian;
  • Your dependent children 26 years or older who are incapable of self-sustaining employment by reason of mental illness or physical handicap.


Q: When am I eligible for benefits?

A: As a new hire, you are eligible for benefits the first of the month following your hire date. If you are hired on the first day of the month, your benefits will go into effect that day.

Q: How many days do I have to enroll?

A: You have 30 days from your date of hire to enroll in benefits. If your enrollment is not completed in that time, you will need to wait for the next Open Enrollment period, or a qualifying life event to add or update coverage. Coverage(s) will go into effect the first of the month following your hire date. Open Enrollment generally takes place in November of each year, and any changes made during this time would go into effect on January 1st of the following year.