About Effective Dates

If HIRSP approves the application, the policy becomes effective on one of the following dates:

HIRSP Plan

• The date HIRSP received the completed application, which includes all requested documentation and the full initial premium.
• The effective date the applicant chooses on their application, which is no more than 60 days after the date they sign their application. HIRSP may honor this request if HIRSP receives all application materials before the requested effective date.

HIRSP Federal Plan

• The effective date will be the first of the month, following the month HIRSP receives the completed HIRSP Federal application, this includes any supporting documentation and the full initial premium.

Reimburse from Certified Providers

If HIRSP approves the application, HIRSP will reimburse covered services from HIRSP certified providers from the policy effective date to the present.

Reimbursement will be subject to all of the following:

• The six-month waiting period for coverage of pre-existing conditions.= (This does not apply to the HIRSP Federal Plan)
• Deductibles
• Coinsurance
• Copayments
• The conditions, limitations, and exclusions stated in the HIRSP and HIRSP Federal policy.