Applications
Related FAQs
How long does it take for a health insurance application to be approved?
The time for health insurance application approval varies based on the type of plan.
For *Guaranteed Issue* and *Guaranteed Acceptance* plans, your coverage becomes effective on the 1st of the next month after both the application and payment are received.
For *Medically Underwritten* plans, your coverage will be effective on the 1st of the next month after the application is approved (subject to medical qualification) and payment is received. These plans can take longer to approve because the insurance company needs to obtain and review records from your attending physician(s). On average, this process takes about 3 weeks but may take longer if there are difficulties in obtaining medical records.
For *Guaranteed Issue* and *Guaranteed Acceptance* plans, your coverage becomes effective on the 1st of the next month after both the application and payment are received.
For *Medically Underwritten* plans, your coverage will be effective on the 1st of the next month after the application is approved (subject to medical qualification) and payment is received. These plans can take longer to approve because the insurance company needs to obtain and review records from your attending physician(s). On average, this process takes about 3 weeks but may take longer if there are difficulties in obtaining medical records.
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.