When does my health and dental coverage start?
When your health and dental coverage starts depends on the type of plan you're applying for, such as Guaranteed Issue, Guaranteed Acceptance, or Medically Underwritten plans.
For Guaranteed Issue and/or Guaranteed Acceptance plans:
Your coverage generally starts on the 1st of the following month after your application has been submitted and payment received.
For Medically Underwritten plans:
Your coverage generally starts on the 1st of the month after your plan is approved and you've accepted the offer.
Waiting Periods:
Note that as soon as your coverage starts, you can access most of the benefits in your plan. Some benefits may have a waiting period, meaning a period of time must elapse before you can use certain benefits, often found on dental and/or vision benefits. Please refer to your policy documents for more details.
For Guaranteed Issue and/or Guaranteed Acceptance plans:
Your coverage generally starts on the 1st of the following month after your application has been submitted and payment received.
For Medically Underwritten plans:
Your coverage generally starts on the 1st of the month after your plan is approved and you've accepted the offer.
Waiting Periods:
Note that as soon as your coverage starts, you can access most of the benefits in your plan. Some benefits may have a waiting period, meaning a period of time must elapse before you can use certain benefits, often found on dental and/or vision benefits. Please refer to your policy documents for more details.