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Understanding and managing effective dates is crucial for ensuring that your clients receive the coverage they need when they need it.

Below, you'll find essential information on how to submit enrollments in a timely manner to secure the correct effective date for your customers.

For more information or questions about these materials, please call us at 800-964-8331. We are here to assist you and welcome your inquiries!



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All You Need to Know about Effective Dates

Understanding effective dates is crucial for ensuring a seamless transition when enrolling in or making changes to plans through our enrollment platforms. Here, we provide clarity on what effective dates are available and how they are determined.

Effective dates are based on when you submit (enter) the application and the member e-signs the app. Please review our Effective Date Schedule if you are looking to get a specific effective date so you know when the application must be submitted to be eligible for the chosen effective date.

What are Effective Dates

Effective dates refer to the start date of coverage for a plan. They are determined based on when you submit the application and when the member e-signs the application. Having the correct effective date ensures that coverage begins as anticipated and prevents any gaps to service.

How to Determine Effective Dates

To determine the appropriate effective date for a plan, it is essential to consult our Effective Date Schedule. This schedule outlines the timeline for when applications must be submitted and e-signed to qualify for specific effective dates. Here's a simple guide to understanding this process:

  • Application Submissions:
    The application must be entered into the enrollment platform by a specific cutoff date.
  • Member E-Signature:
    The member must e-sign the application by the designated deadline.

Both steps must be completed by the specified dates to secure the desired effective date for coverage or membership.



Importance of Effective Date Schedule

Reviewing the Effective Date Schedule is critical when planning enrollments or changes to existing plans. It ensures that you can secure the preferred start date for coverage, avoiding any lapses or delays. If you have any quetsions or need assistance interpreting the schedule, plase contact our support team.

By understanding and adhering to these guidelines, you can manage your enrollment processes more effectively, providing peace of mind and continuity of coverage for your clients.



1st only effective dates

FIRST (1st) ONLY EFFECTIVE DATE PLANS

The following plans are only available with the first effective date of each month. This ensures that all coverage and benefits align seamlessly with the beginning of the month, providing clarity and consistency for members.

  • VSP Individual Vision Plan
  • FCL Dental 3000
  • FCL OraQuest Dental HMO

1st only effective dates

FIRST (1st) OR FIFTEENTH (15th) EFFECTIVE DATE PLANS

These plans provide flexibility in choosing either the first or the fifteenth of the month as the start date for coverage, allowing members to align their benefits with their personal schedules. Below i s a list of plans available with these effective date options:

  • UBA Dental & UBA Vision
  • UBA Accident & UBA Accident+
  • Gap 5000 & Gap 5000+
  • Gap 10000 & Gap 25000
  • Gap CI 25k+ & Gap AME 10K+
  • Gap Edge+ & Complement Care
  • Gap Term & HAA Lifepass 10
  • Gap 5+ and HAA 5+
  • All Benefit Boost Plans
  • UBA & HAA Memberships




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