About Effective Dates

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

• The date HIRSP received your completed application, which includes all requested documentation and the full initial premium for the first three months of coverage as indicated under What to Submit With Your Application in the Outline of Coverage.
• The effective date you choose on your application, which is no more than 60 days after the date you sign the application. HIRSP may honor this request if HIRSP receives all your application materials before the requested effective date.

If HIRSP approves your application, HIRSP will reimburse your covered services from Wisconsin Medicaid-certified providers from your 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.
• Deductibles.
• Coinsurance.
• Copayments.
• The conditions, limitations, and exclusions stated in the HIRSP policy.