Coverage begins on the first of the month following the date of employment.
If employment begins on the first working day of the month, then coverage begins on that day. There are no exclusions for pre-existing conditions in any of the medical or dental insurance plans. Newborn or adopted children must be added within 60 days if the addition of the new dependent increases the monthly premium. If a dependent is enrolled before the 16th day of the month, the full month's premium will be charged. Otherwise, the new premium will begin with the next monthly premium.