You typically need proof of identity (like a driver’s license or passport), proof of address, and in some cases, income verification. Requirements may vary by insurer, so confirm exactly what’s needed before you apply.

Many plans provide coverage immediately once your application is processed and payment is received. However, some have waiting periods for specific benefits or procedures, so be sure to check your policy details.

Most insurers allow you to add dependents or family members. This often includes spouses, children, or even parents. Requirements and premium rates will vary, so contact your insurer to learn about available family coverage options.

In many cases, hospitals or clinics within your insurer’s network file the claim directly on your behalf (“cashless” or “direct billing”). If you go outside the network, you may need to pay upfront and then submit receipts and medical documents for reimbursement.