Does it matter when I get someone on the plan?
Yes, it does matter! Your firm has a waiting period (usually 3 months), if an employee is enrolled during that time or up to 30 days after eligibility date is met, there is usually no medical questions and coverage is guaranteed with no penalties (based on firm size and plan options). If they are not enrolled on time, they are considered late applicants. The employee and their dependents have to answer medical questions, the coverage is not guaranteed, there could be exclusions placed (on medications, services, supplies, etc.), and if approved, dental would be reduced from the maximum per year (average of $1,500 per most firms) to $250 for all members of the family for the first full year of coverage.