When is coverage effective and for how long?
Coverage is effective for a minimum of one month up to a maximum of 3 months.
An applicant may request a specific effective date for any day of the month as long as the application and premium are received by Allied before the requested effective date and the requested effective date is not more than 30 days in the future. When enrolling online, the effective date can be as early as 12:01 A.M. the following day.
An applicant may request a specific termination date. Coverage terminates at the beginning of this date. If you have new coverage from another source that begins on the first of the month, select the first of that month for your coverage termination date. This will provide you continuous coverage without an overlap. If you select a specific termination date, your premium must be paid in advance with your application.
If enrolling by mail, the requested effective date can not be earlier than the day after the post office postmark on the envelope received by Allied or more than 30 days after the application signature date. Applications received in envelopes with no postmark can be made effective no earlier than the date of receipt by Allied.
Can coverage be rewritten?
The Allied™ Short Term Medical PLUS plan is a temporary plan. It is not renewable and not meant to provide long periods of coverage. However, coverage may be purchased for up to three coverage periods, as long as you meet the eligibility criteria described above and on the application. After that, a 63 day coverage gap is required before a new coverage period may be purchased. Back to back coverage can not be issued in Colorado (6 month gap in coverage required), Nevada (6 month gap in coverage required) , Oregon (63 day gap required) or Wisconsin (63 day gap required). There is no continuous coverage if the plan is rewritten. This means that new application must be made, a new effective date is given, a new preexisting period begins and a new deductible and out-of-pocket expense must be met. Any condition which may have occurred under prior coverage will be treated as a preexisting condition under the rewritten coverage. Allied reserves the right to review previously submitted claims and decline coverage on anyone applying for a new coverage period. Rewrites may not be available in all states.