My wife has worked for BCBS VT for 30+ years. I asked her and she said that would qualify as an event. The caveat obviously is that is for their purposes and I imagine it could be different elsewhere. Are her options not so good that you will be going on her plan? I work for the State of VT and we actually had the State plan for several years because BCBS paid her if she had insurance elsewhere so the $ numbers worked in our favor. When our son was born, it was less expensive to switch to her plan so I don't have the state employee plan.