What is a Waiting Period?

A waiting period is the time between when you enroll in health insurance and when certain benefits become available. For employer-sponsored plans, this is typically the time between starting a job and when coverage begins. Some insurance policies also impose waiting periods for specific benefits like maternity care or pre-existing conditions in states where such restrictions are allowed.

Why waiting periods matter

• Delays coverage access: Creates gaps between enrollment and when benefits start
• Affects financial planning: Requires preparation for healthcare costs during waiting periods
• Varies by policy type: Different rules apply to employer plans, individual policies, and specific benefits

How Solace can help

A Solace advocate can help you understand waiting period requirements, explore options for coverage during waiting periods, and ensure you receive benefits as soon as eligible. Advocates can also assist with COBRA or short-term insurance options to bridge coverage gaps.