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[Insert Date] Disclaimer: This guide is for informational purposes. Your actual plan rules, vendors, and website layout may vary. Always verify with your employer’s official benefits summary.

A: Only if you have a qualifying life event (marriage, birth, adoption, or spouse losing coverage). hchealthbenefits.com

A: Typically 7-14 business days. Some providers may take up to 30 days. [Insert Date] Disclaimer: This guide is for informational