What is the deadline to apply for a Kaiser Permanente Georgia Individual Health Insurance Plan? In the past, we have told Kaiser Georgia applicants that the deadline to apply for the first of the month is the first of the month, meaning you could apply on the first and get an effective date for that very day. However, the answer to this question is now a bit more complicated. The answer depends on whether you are applying with a paper application or whether you are applying online. 

Online Applicants
If you are applying online for a KP Georgia Personal Advantage Plan, the deadline is the last day of the month at 4:30 PM. Your application must be completed and submitted, and payment must be received. If these requirements are met by 4:30 PM Eastern Standard Time on the last day of the month, then you are eligible for an effective date of the next day. 

Paper Applications
If you apply using a paper application, the deadline is 4:30 PM on the first of the month in order to qualify for an effective date of that very day. This means the application must be received (by mail or by fax) along with the payment for the first month’s premium by 4:30 PM Eastern Standard Time on the first. 

Note Regarding Last Minute Applications
If your application/payment is submitted before the deadlines described above, you will qualify for your coverage to start on the first. However, applications usually take one to two weeks to process by underwriters. Applicants who wait until the last minute to apply may not find out whether they are approved until a week or two after their desired effective date.