Applying by Aug. 31, 2025?
You are guaranteed acceptance, and your coverage can start on any date you choose within this guaranteed acceptance period.
Applying after August 31, 2025?
If you are switching from another group plan, your coverage can start on any date after your current coverage ends, as long as it’s within 60 days of that end date.
Applying after August 31 and not covered by a group plan?
- Extended health and hospital coverage will begin once your application is approved, after we’ve reviewed your medical questionnaire.
- Dental coverage starts on the date you choose—no medical review needed with a 24-month commitment.