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 companies.

I will illustrate Blue Cross guideline for requested effective dates. Please note that requesting an effective date does not guarantee coverage.

The effective date must be after 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 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 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.