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WHEN CAN MY COVERAGE START?

It is always best to ask us about effective date options, but I will give you a brief outline of the process for a couple of companies.

I will illustrate Blue Cross guidelines for requested effective dates. Please note that requesting an effective date does not guarantee coverage. The effective date must be after the signature date but not greater than 75 days from the signature date. Or if indicated, Blue Cross can assign an effective date the first day after Blue Cross approval.

The online Blue Cross Tonik program provides for the option of being insured if approved the next day after enrollment, based on approval. This is a fantastic option considering you can download a temporary ID card the same day.

There are also some temporary plans that allow next day coverage based on approval. Most insurance companies outline their requested effective date option on the application.

  - Dave Ballard

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Dave Ballard Insurance Agency, 3871 Piedmont Ave, Oakland, California 94611 in Alameda County - Phone 510-481-0551
 
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Get affordable low cost medical insurance quotes, insurance quotes for California residents, individuals plus group medical insurance with life insurance. California medical insurance quotes for HMO and PPO plans. Low cost and affordable comprehensive coverage. California (HSA) health insurance plans, group health insurance for California small business insurances. We also offer short term insurance for California residents, and MRMIP and HIPPA Guaranteed health insurance plans. Get quotes, compare plans, and apply online or by fax. Additional coverage for Basic Hospital, Travelers insurance, and Medicare supplement. We provide plans with the following companies: Blue Cross, Blue Shield, Kaiser, Health Net, PacifiCare and more.
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