According to Durney, there are some definite timeframes to keep in mind: They must have an application in by May 31st at 5PM to have no gap in coverage. There is a 90 day window to avoid underwriting and still have guaranteed acceptance, a 63 day window to still get credit for the 9 month pre-existing condition waiting period, and only a 31 day window to get children insured. Timeframes begin with the date of coverage loss: May 31st.
Monica’s phone number is 532-0905 (x-107 if you get our voice mail) and she is happy to answer questions. Medical insurance is an EXTREMELY complex topic and she is a true expert.