How soon I can use my employer supported health insurance?

Question

I am going to start a new job from the last week of June.

I am getting health care through my employer.

I am wondering, would I be able to use my health insurance from July 1st? If I have a doctor visit on July 1st, would that be covered by my new insurance?

My main question is, is there a "waiting period" for an insurance actually become active, after I am being insured?

Answer 1

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Answer 2

You will almost certainly have an eligibility period before you can sign up for your employers insurance, however, you will covered on the effective date of the policy. In some states the insurance company can impose waiting periods before covering pre-existing conditions. In Colorado the maximum waiting period to cover pre-existing conditions (on a group plan) if you don't have previous "creditible" coverage is 6 months. See link below.

Don

http://mtnhealthinsurance.com

Answer 3

Every plan is diffent. You need to ask your employer. Typically it is at least 90 days.

Answer 4

That will depend on the guidelines that your HR department has established.

It is not uncommon for their to be a waiting period or even a period where you have coverage but your pre-existing conditions are not covered immediately (this 2nd scenario usually only happens when you have not had continuous coverage for the 6 months prior to joining the group plan).

You will want to consider a short term health insurance plan so that you can have coverage until the waiting period is over. Be sure that you don't leave a gap in your coverage.

Here is some more information on short term medical insurance plans:

Answer 5

No, the effective date of coverage is the effective date of coverage.

But most employers don't make your coverage effective, until you've been there a month . . . or three, or six.

Answer 6

Some plans have waiting periods, some do not.  Some take a while for all the paperwork to go through, so they may not cover until everything is set up properly.  You might be able to call the company and ask what the terms of the health care plan is, or you may have to wait to ask when you start.  I suggest having a firm answer to this question before you start making appointments.