Question: If I apply during open enrollment, for example on January 22nd, and go to the the doctor that same day, will be my coverage begin that day? Will that doctor visit be covered? Or, does coverage always begin on the first of the month following application?
Answer: The earliest coverage will start is the first of the following month, but you must enroll by the 15th of the previous month. In your example, enrolling on January 22nd, your coverage would not start until March 1st. Any medical expenses you would incur between January 22nd and March 1st would not be covered.