Thanks for visiting us ONLINE. Open Enrollment (see also special enrollment or temporary coverage ) is upon us starting 11.15.2014 for Individual & Families (Free Instant Quotes & Subsidy Calculation). While Covered CA is doing pre-renewals, we suggest you wait till more information, rates, brochures and provider lists are available!
Medicare Advantage Plans and Part D Rx are enrolling now through 12.7.2014 for a 1.1.2014 effective date. Employer Groups can enroll the year around!
One can enroll by using our affiliate websites in the right hand column or getting quotes from ALL companies at one time using our Quote Engine. There is no extra charge for our consultation and assistance, we are paid by the Insurance Companies to help you, year around. So, use the links on our website or Quote Engine to the Insurance Company online enrollment, so they know we helped you. We can help you complete the Covered CA application. We need a commitment from you that you will appoint us as your agent, so that we can hope to make at least minimum wage for consulting with you. In our role as your agent, we offer year around service and consultation, not just completing an application, which no longer even asks for medical history. There is no more Pre-Existing Condition clause.
Health Care Reform is here to stay. I believe the battle ended with the Supreme Court Decision calling it a tax. We are doing our best to keep up with all the rules, regulations and interpretations. Health Insurance meeting the lowest “essential benefits” requirement. is mandated for just about everyone starting 1.1.2014. The penalty for non compliance is 1% of income (this year) and of course possible bankruptcy (the penalty does not get you any coverage) if G-d forbid you become ill or get into a major accident. Check out this 6 minute introductory video from Kaiser Foundation dated 7.2013. There are no longer any questions about medical problems as it’s all guaranteed issue §2701.
The rates and benefits are the same in and out of Covered CA, as Health Care Reform doesn’t want adverse selection. However, there are more plans and companies outside of Covered CA.
Questions – Check out the FAQ’s in the “paper” Covered CA Application (9.2013) ONLINE Fillable!