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Loss of Health Insurance?

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What is a special enrollment period? 

People who experience a qualifying life event can newly enroll in a health plan through Covered California even outside the open enrollment period. People who already have a plan through Cover California who experience a qualifying life event can change their coverage and choose a new plan. Qualifying event includes loss of employment. 

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You can learn more and apply here: https://www.individual-healthcare.com/ 

We’re encouraging consumers to apply online or call and not seek in-person help.

What Is Covered California? 

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  • Government Discounts
  • Easy Enrollment

The Covered California Health Exchange is the government agency offering subsidized Obamacare plans for this state. The California Health Exchange was created to assist citizens and legal residents with applying for marketplace coverage in order to comply with the Affordable Care Act (“ACA”). When the law was passed in 2010, each of the 50 states had to decide to either create a state-run health insurance exchange or offer enrollment through a federally-operated exchange. This state chose to create their own exchange and called it “Covered California”. 

 You can apply here: https://www.individual-healthcare.com/ 

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First of the month start date

Qualified consumers will receive a first of the month start date following their plan selection. Sharp Health Plan will continue to accept individual and family plan applications for both your on- and off-exchange clients through August 31st, 2020. The following effective dates will apply.

For coverage effective on: We must receive a complete application by:
March 1, 2020 February 29, 2020
April 1, 2020 March 31, 2020*
May 1, 2020 April 30 2020
Jun 1, 2020 May 31, 2020
July 1, 2020 Jun 30, 2020
August 1, 2020 July 31, 2020
September 1, 2020 August 31st, 2020

*Last day to enroll and avoid a coverage gap, state tax penalty.

State tax penalty information

Consumers who enroll by March 31st will not have a state tax penalty. However, consumers who wait and enroll in April will have to pay a penalty for their coverage gap period (e.g., four months of coverage gap for a coverage start date of May 1st). Visit coveredca.com for more tax penalty information, like details on getting financial help, resources for estimating tax penalties and facts on qualifying exemptions.

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Frequently Asked Questions

 

Can I choose my own doctor?

Answer: Yes, thousands of doctors accept insurances that participate in the CoveredCA market place. Doctors availability will vary based on the insurance provider.

Which Insurance Companies are available?

Answer: The available Insurance companies vary from region to region.

How do you get paid?

Answer: We are compensated either by the state directly, or by the Insurance provider. There is ABSOLUTLY NO COST to the insured. This allows us to be able to continuously help with any Insurance issues that our clients have year round, not just during open enrollment.

Can I change my current CoveredCA plan through your services?

Answer: Yes, if you would like to make a change in metal level, plan provider, or have a household change we can assist you to make the appropriate changes.

What information do I need to bring ?

Answer:

  • Government Issued ID
  • Address
  • Date of Birth for all Household Members
  • Last Year’s Tax Information or Current paycheck stub
  • Social Security Card for all household members applying for health insurance
  • If already covered through CoveredCA- Have Current Plan information (application #, Case #, Policy number)
Which Doctors accept CoveredCA?

Answer: Doctors networks through CoveredCA and outside of Covered CA are mandated by Federal law to be exactly the same. A doctor who is accepting new patients through any of the marketplace providers must except plans on and off the exchange equally.

How do I get help with my CoveredCA account outside of November- February?

Answer: Outside of November-February Individuals will need to have a life changing event that will qualify them for Special Enrollment. These events consist of: substantial change in income, household size change, location change or loss of current benefits.

What is the difference between Open enrollment and special enrollment?

Answer: Open Enrollment is a time period when Individuals can make changes without pre-requisits. This means that they are able to change plans, metal levels, or companies without having to have a “life changing event” to qualify them. Special Enrollment allows the individual to make the same changes but requires a “life changing event” to happen before somebody can change there plan.

Who qualifies for Subsidies CoveredCA?

Answer: In general, Subsidies are available for individuals who are residence of California, are legally present, and meet the income guidelines for subsidy.

What if I make too much for Subsidy?

Answer: Individuals who make above 400 % of the Federal Poverty Level are still eligible to enroll in a health plan through CoveredCA but they will not be eligible for Subsidy. At the end of the year if their income is below the 400% FPL then any amount of subsidy that should have been received will be paid back on the year’s tax return.

What are subsidies based on ?

Answer: In general Subsides are base on four criteria : Age, Income, Location and Household size. The subsidies are qualified based on a sliding scale that varies based on the previous four attributes.

Do I have to be a citizen to qualify?

Answer: In general, A person does not have to be a citizen, but they will have to be lawfully present in California.

Where can I go to get Health care?

Answer: All of the major healthcare providers accept one or more of the plans available on the CoveredCA exchange.

What if I my income is not steady?

Answer: If you income is not steady, you should still apply for CoveredCA, because it will be adjusted automatically to the correct amount of subsidy based on your end of the year tax filing.

Can self employed individual apply?

Answer: Yes, Self employed individuals should apply.

What are the penalties if I don’t get health insurance?

Answer: Last year the penalties for not having insurance was 2% of the household income. This year it will be increased to 2.5%.

Is CoveredCA Full coverage?

Answer: The plans that are available through CoveredCA are full coverage. They cover general, preventative, and emergency care.

What information do I need to apply ?

Answer: To apply you will need to have a valid form of Identification and your basic personal information: Address, Name, Date of birth, and socieal security number ( or alternat citizenship documents).

What do you charge for your service ?

Answer: There is no charge for our service.

When will my coverage start?

Answer: For new enrollees the insurance coverage will begin January 1 2020

Can I get coverage, even if I have coverage offered through my spouses work?

Answer: If you are offered “affordable” coverage through either your work or your spouses work, you will not be able to qualify for Subsidies.

How long can my children stay on plan?

Answer: Your children can stay on your health plan until the age of 26 regardless of there student status, but they must be claimed on your taxes as dependents.

Can I be declined for health reasons?

Answer: NO, the Affordable Care Act disallows insurance companies to decline coverage based on previous, current or potential health problems.

What happens if I overestimate or underestimate my Income?

Answer : If you overestimate your income and receive less Subsidy than you should have your will receive the remaining amount of subsidy on your tax return. If you underestimate your Income and receive too much subsidy throughout the year you may be asked for a portion of it to be paid back on your taxes.

Privacy Policy

We recognize that your privacy is important. Because of this, we do what we can to protect your information. All information gathered is safeguarded using security technology and is only used for the purposes of helping you attain the right insurance. We have listed our privacy policy below, Should you have any questions about how your information is protected; please use the form that is found on our contact page.

Our Privacy Policy

The statements set forth in this private policy “Privacy Policy” explain our policies regarding the acquisition, use and disclosure of information obtained through use of this website, www.individual-healthcare.com (“Site”). By using this website, you are agreeing to the terms and conditions set forth in this Privacy Policy.

Age Requirements

This Site is not intended for use by anyone who is under the age of 18. You must be at least 18 years old to submit any personal information on, or through, this Site.

Residency Requirements

To use this Site, you must be a resident of the United States.

The Information We Collect

Our Site collects non-personally identifiable and personally identifiable information.

Non-Personally Identifiable Information

We collect certain types of non-personally identifiable information from our Site. This type of information may include the usage activity, preferences, profile information and demographics of our Site’s visitors.

Personally Identifiable Information

Our Site requests and collects some types of personally identifiable information. This information may include information submitted by visitors and data collected from applications. We gather this information from online applications, comments, forms and e-mail that are submitted to our Site. The types of information we gather may include, but is not limited to, the following:

  • - Personal contact information (name, address, phone, email)
  • - Personal information (date of birth, height, weight, gender)
  • - Health-related Information
  • - Financial Information

 

Why Do I Need to Submit Personal Information?

The rates quoted by insurance companies are determined by several criteria. Because we deal with several companies, we ask questions that are required by these companies to assist in providing you with a match that meets your needs.

Sharing and Usage

All of the information collected on this Site is used for business and other purposes stated in this policy. This information may be used to process your applications, receive insurance quotes or to notify you of our, or our affiliates, products and services. The information you provide may also be used to track your usage of our website, how long you visit the Site or a particular page and what pages are popular. We may use a variety of methods to harvest your information.

The information you provide on your application may be sent to insurance agents, brokers and companies that may contact you regarding their services by telephone, e-mail, postal mail or any other type of communication. We are not responsible or liable for any third party that receives your information and violates our, or their, privacy policies.

Your personal information may be shared with companies that perform technological or marketing services for our company. This information is for use in the performance of these services. Non-personally identifiable information acquired on this Site may be sold or transferred as the result of any sale, reorganization, merger, consolidation, acquisition or liquidation of any of our assets that deal with this segment of our business. By using out website, you also acknowledge our right to disclose any of your personal information in the following situations: If we are defending out rights or the rights of people who use our website If the law requires use to disclose certain types of information If it is suspected that you are involved in any criminal activities

Information Security

Our company takes reasonable efforts to protect your privacy. We use an encryption process to protect your data when it is transferred to our Site. We take all reasonable precautions to safeguard the information you submit to our Site. However, the nature of the internet prevents us from saying, with absolute certainty, that any of your information that is on our servers or transmitted on our Site will be protected from unauthorized access. We deny any liability for any information that is damaged, lost or stolen as a result of this unauthorized access. By using our Site, you recognize and agree to assume these risks.

Information Sharing

When you submit your personal information to this Site, you acknowledge and consent to the transfer, collection and process of this information in the United States as well as other territories and countries.

By submitting your personally identifiable information you are granting permission to agents, brokers and other insurance professionals within our network to contact you through e-mail, fax and telephone. This contact can occur regardless of whether you are listed on a local or national do-not-call list.

Links

We may include links on this Site to outside websites for the purposes of providing you with additional information. The content found on these websites outside of our control. We do not endorse these websites or guarantee that their information is accurate. We also have no control over the information on the websites and our Privacy Policy does not extend to them.

Acceptance of this Policy

By using this Site, you are agreeing to our Privacy Policy. If you do not agree with the information outlined in this policy, do not use our Site. At our discretion, we may remove, add, modify or change any portion of this policy. The content of this policy are subject to change without prior notice. You are encouraged to check this policy often to be made aware of any recent changes. When you continue to use this Site, you are also agreeing to any modifications made to it.

If you have any questions or concerns regarding our Privacy Policy, please use the form located on our Contact Us page to submit any inquiries.

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