² Your desired effective date of coverage which is subject to RMHP's approval and adjustment (RMHP may set a later effective date for coverage) in accordance with our internal timeframes for reviewing your application. The actual effective date of coverage is the first of the month following the application approval date. An applicant, spouse, or other dependents listed on an application are not accepted for coverage until the effective date of coverage is communicated to the applicant by RMHP. Completion of this online application in and of itself, regardless of the advance payment of quoted and shown rates and premiums, does not constitute or result in acceptance or approval of an application or coverage under any Rocky Mountain HMO/Health Care Options health benefit plan or policy.