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What is the exact date that the policy will effectively begin coverage? Most have a waiting period before coverage begins, aside from pre-existing conditions. You do not want to start accumulating medical bills before you policy starts, because you will be responsible for them. Delay some of your appointments until you are certain that all the paperwork in completed and you are covered. Some transitions are not smooth, paperwork is lost, and the wrong information is transferred. In order to avoid confusion, be sure you get the actual start and ending dates in writing and mark them on a calendar