California health insurance    Application

California Health Application Center

You can either download your California carriers application or initiate their online application below for major carriers including Blue Shield of California, Anthem Blue Cross of California, Health Net, Kaiser, and Aetna.  The online application is processed over a secured server directly with the carrier and processes much more quickly. 

Individual Family Applications for California:

Access Online or Downloadable Application for California Individual Plans
 
There is no fee to apply...these are the best health rates available anywhere
Set up easy monthly checking account pull or standard billing
Processing generally takes 10-14 days from when online app is submitted so start now
The earliest available effective date is 15 days from online application submittal
The online app generally processes in half the time as the hard copy
Credit card will not be hit until approval and you then have 10 days to cancel for a full refund

If downloadable application is used, information can be faxed securely to 888/758.2122; emailed to IFP Enrollment; or mailed to:

   IFP Enrollment
   316 Mid Valley Center #283
   Carmel, Ca 93923
 

Small Group Applications for California:

Download Small Group Applications

The following documents can be emailed, faxed, or mailed to us::

Employer Application
Employee Application for each eligible employee, owner, or officer.
Sole Proprietor/Owner/Officer Statement for those not listed on DE6
Most recent Quarterly Payroll report to State
Company documentation as listed on Sole Proprietor/Owner/Officer Statement
Check for 1st month's premium made to the carrier

This information can be faxed to 888/758.2122; emailed to Group Enrollment; or mailed to:

   Group Enrollment
   316 Mid Valley Center #283
&   Carmel, Ca 93923


Senior Medicare Supplement Applications California:

Download Senior Medicare Supplement Application

Please submit prior to the 1st of the month you wish coverage to start
Part A and B must be already established by requested effective date
Payment is may not be required with the application

This information can be faxed to 888/758.2122; emailed to Senior Enrollment; or mailed to:

   Senior Enrollment
   316 Mid Valley Center #283
   Carmel, Ca 93923

Please let us know if we can help with any questions at 800-320-6269 or by email

Questions on Individual Family Health Plan Enrollment
1.  How do I start the process
2.  How long to get a decision back
3.  Why is payment submitted up front
4.  Is there an application fee
5.  Is a physical required
6.  How can I speed up the process
7.  Is there a long term contract
8.  What are the options for payment
9.  What if I want to change my plan later
10. Why go with Calhealth.net

How do I start the process

We just need the completed health insurance application for your plan of choice.  The online applications process much more quickly and it can all be completed online.  The first month's premium is required to process the application but  you have a  10 day free look window to cancel for a full refund.  Physicals and request for medical records are very rare these days.

  

How long to get a decision back

Due to our volume of applications with the major carriers, we have expedited processing.  After the online application is submitted (including payment information), the carrier will usually contact the applicant directly for a phone interview in 3-5 business days.  From that point, we usually get a decision in 3-5 business days.  All told, most applications process in about two weeks.   You can find more underwriting info here

 

Why is payment submitted up front

The first month's premium must be submitted with the application.  This can be done with a check made out to the carrier or via credit card   If the application is not approved, this initial payment will be fully refunded. 

 

Is there an application fee

There is no fee to apply.  Only the initial month's premium is submitted with the application. 

 

Is a physical required

A physical is not required...only the completed application and first months premium.   

 

How can I speed up the process

The fastest approach is to complete the online application available here which tends to process very quickly.  Otherwise, you can fax or email your completed application and copy of check (or credit card section) to 888-758-2122 to start the process immediately.  You would then mail the original if paying by check.  The credit card option just requires the faxed copy. 

 

Do I have a long term contract

No.  The policy can be cancelled or renewed (by payment) month to month.        
                                                                                             

 

What are the options for payment

There are a few options for payment with either carrier.
Billing - Shield monthly, quarterly    Blue Cross bi-monthly, quarterly
Checking account auto-deduction monthly deduction.  

 

What if I want to change my plan later

Downgrading is easy to do within the same kind of plan.  Upgrading is possible if you are in good health as it is subject to underwriting.  

Why should I go with Goodacre Insurance Services

We concentrate on health insurance for California

 


                         

 

 



 

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