Put simply, Covered California is the new marketplace for 90% of individual and family health plans as well as certain Small Group health plans. You can still purchase the exact same coverage plans at the same rate off exchange but there's one huge difference.
This really is the heart of the ACA law and Covered California. Here how it works.
If your income is in a certain range and meet a few other requirements (think residency, citizenship, and family make-up), the Federal government will help to pay the monthly premium! That's right, the amount you pay for insurance can drop significantly if you fall within a certain income range.
Aside from the fact that a simple surgery can run 10's of thousands of dollars (think ACL repair, etc), there is now a penalty for NOT having health insurance.
If you make $40K as an individual, that means you might have to pay $800 penalty for not having eligible coverage.
You're losing twice!
Covered California is the way to get this tax credit and as Certified Covered California agents, we can help you through the entire process at NO COST to you.
Seriously...no cost to you.
First, some big bullet points..
We'll tackle this for the two different markets. Which one are you?
The process is broken down into three main components:
Let's break each of these down.
Everything revolves around this. We can't stress it enough. Unfortunately, it's incredibly difficult for most people to calculate it CORRECTLY.
We're not kidding. The open enrollment period for us as Certified Covered Ca agents comes down to two different calls.
First, there are those people that are just
starting the process and want free assistance.
Great. The other group are those that started
the process on their own and got stuck (very
easy to do).
We even came across a lot of people who completed the process but their understanding of the questions led to input incorrect info.
It's just too complicated unless you are doing it every day. We are.
We've written extensive articles on tax subsidy qualification but the best approach is to just call us at 800-320-6269 or email us. Articles mentioned are at the link below but here's what you can expect if you call in.
Once we have determined your subsidy and resulting health plan rates in Covered Ca...
This is a little trickier but again, it comes down to asking the right questions. First, we are appointed with all the major Covered Ca carriers (and many more not in the Exchange). The rates are identical and ultimately, we're enrolling you in Covered Ca anyway.
So which plan.
Here's where 30 years of combined California health insurance experience comes in handy. Frankly, we don't understand how anyone could do it adequately with even 5 years of experience (much less 1-2 like many online agents have in California-specific coverage...no names).
The first two are pretty similar to what we've been doing for two decades. The latter is brand new with Covered Ca. The networks have changed significantly and we'll need to discuss your flexibility with provider options. This is a huge deal as we've seen during the year with the 100's of people we enrolled in Covered Ca.
Again, call us at 800-320-6269 and we can quickly break down the right options for you. This generally takes 10 minutes.
Or...you can spend the estimated 30 minutes to 2 hours that a person uses on their own with the decision and still not be entirely sure it's the right move. Ummm...maybe call?
Okay, we've established our tax credit and as a
result, we found the best health plan for our
needs and budget through Covered Ca. Now what?
Here are your two options (seriously)
Try to enroll on your own and spend 30 minutes to 2 hours (based on feedback from enrollees) with a 50/50 chance of successfully completing the app based on CORRECT information.
Call us 800-320-6269 and we can enroll you in 10 minutes over the phone. You're done. 10 minutes (usually quicker).
As much as that sounds like some promotional garbage, we can absolutely guarantee you that it fairly and accurately reflects the real choice before you.
To some extent, you've probably already heard about the enrollment issues in the media so it shouldn't sound so outlandish.
Here's what we do to accomplish this:
Because we're entering dozens of applications
into their system daily, we can whip right
through the process where each of their 7-8
sections will likely take you 20 minutes each
(assuming it works correctly...again 50/50 since
info has to be very specific to what they're
Whether you're trying to calculate your subsidy, choose the best plan, or enroll in Covered California, call us at 800-320-6269.
If you even detect a pushy or non-professional manner, hang up! We stand by our reviews and the satisfaction of those we helped to enroll in Covered Ca. We look to make you a happy addition.
For the right type of business, Covered Ca can offer a huge advantage and it all comes down to a tax credit available to the employer.
Here's the deal.
If your company meets these general guidelines, contact us immediately to see if we can get the Federal government to help pay for your employee's premiums.
Those are the broad strokes but the tax credit really hinges on size of group and average salary.
So what type of California companies might benefit from this?
10's of thousands in California! Think of
all the painters, roofers, doctor offices, etc
where there are a lot of office staff or your
traditional blue collar workers.
Again, AVERAGE salary less than $50K (excluding owner/family) and less than 25 employees.
The sweet spot for maximum tax credit is around 10 employees making $25K.
They can expect the most tax credit. What does tax credit mean? Well, it means that the Federal Government will pay part of the monthly premium right away. You don't have to wait till April 15th.
Send us the answers to the info above (salary, # employees) plus the dates of birth and zip code. We can run a proposal right away and see if we can get some help paying for it as well.
Beyond the issue of a tax credit, we have
created a great overview of what to expect AND
take advantage of at our
California group health benefit market page.
This page describes how to qualify for group health insurance, what is the best way to choose a plan and still keep your budget, and the enrollment process. Of course, we're here to help you through the process.
Don't go it alone! This isn't some type of self-promotion. Of the 100's of Californians that we helped enroll in the first Covered California Open Enrollment, many had started on their own and a vast majority of them had serious issues and incorrect information in the system which would keep them from receiving a tax subsidy or even coverage itself!
Our services are completely FREE to you. There's absolutely no cost and you'll be very happy to have a 3rd party advocate in the new marketplace. This definitely includes Covered California.
The first question is whether you qualify for a tax credit to help pay for your premium or Medi-cal based on income. This is similar to completing a tax form! Seriously. This was a source of most of the errors we came across when people tried to enroll themselves. We can help you determine your best estimate for income and for the right number of people. Everyone's financial and family situation is different so there's no easy blueprint. Ultimately, in 5 minutes on the phone, we can quickly determine the most tax credit that you're eligible for. Call us at 800-320-6269. You'll see there's no pressure. If we can help you...great.
The plan benefits are standardized now at 4 basic levels but that doesn't make it any easier to choose a plan that best fits your needs. Health insurance has never been easy and now there's a tax consideration mixed in. Insult to injury.
The networks (doctors and hospitals you're allowed to see) are more important than ever! This has been the biggest concern from enrolled members across all the carriers. The new networks are much smaller and that will probably improve slightly but not much. We can provide guidance based on your area.
We focus on California health insurance so we know the networks unlike large nationwide online insurance sites. That's never been more important than now.
Covered California enrollment is only the
start. We can call over to Covered Ca to
check status, fix problems, and track down
exactly what happened.
The payment and membership process with a chosen carrier has been "interesting". We have dedicated reps at the big carriers so we can help you avoid hours on the phone tracking down what happened to that payment.
This brings us to the application and enrollment process!
Qualifying used to be tough. Roughly 20% of applicants were declined due to health and the health history sections of applications were byzantine at best. After a rough start with 24 pages (yes 24) Covered Ca paper applications, we found the easiest and fastest path for applying to Covered Ca.
We can now enroll you over the phone in 10 minutes. That's right. 10 minutes on the phone and you're in the system. It's never been easier. Here's the process formed after days of tinkering with a very difficult and moody computer system (Calheers).
That's it! Covered Ca will send you a
letter with confirmation and occasionally a
request for supporting information generally in
5-7 business days. The carrier will then send
the first month's invoice 5-7 business days
after that. For some carriers, we may be able to
process payment for the first month's premium
right with the application.
We have added countless articles on specific topics for you to research on your own (that's how we like to shop for things!). This is provided to help educate and empower you in this new market. Again, there's always a friendly voice just a call away to walk through any questions you have. You'll be pleasantly surprised...we promise. More here.
Call us at 800-320-6269 and we'll go
through the pro's and con's the plans with you
based on your situation.
Again, as certified Covered California agents, there is no cost for our services. You can quickly delegate us as the agent and we can then go through find out where the issues are in your entered information. In five minutes, we can save you hours of frustration and potentially a great deal of money.
Again, there is absolutely no cost to you for our services. Call 800-320-6269 Today!
YOU MAY STILL BE
ABLE TO ENROLL
In just 15 minutes:
With Existing Account
We can help you:
If Your Income
Is In This Range
Current Years Estimate; All those that file together on one 1040:
|Single Person:||$16k - $47k|
|2 People||$22k - $64k|
|3 People||$27k - $80k|
|4 People||$33k - $97k|
"My sincere thanks for making a miracle happen- 2014 health insurance !! Many thanks for your expertise and advice yesterday !!"
"Thanks again for your help - I had absolutely no idea how to get this done when I got up this morning. You've made it remarkably easier than I expected. I hope you're not stuck at the office all night..."
"Anyway, I hope you got some time off this past week! Thank you again for your help and efforts on my behalf! I was very lucky to find you."
"I thank you very much for the time that you have invested in handling everything
"I truly appreciate the quick response and will think of you in the future if I need to make any changes to my insurance plans."
"You are awesome... takes a huge worry off my back, thank you for your kind. thanks for your time and kindness. !!"
"Wow, I can't thank you guys enough for your help...I couldn't imagine trying to tackle this on my own!"
"You are my new best friend. A HUGE thank you again.
20 years of experience in the California health insurance market has taught us one thing...Competent and experienced guidance is Invaluable
We can quickly (very important) size up your health insurance needs and clearly explain the options available to you. Our focus is finding the most coverage at the best cost to you.
We are licensed Covered Ca agents with in-depth knowledge of their plans, process, and tax credits.
Call us...you will be Pleasantly Surprised. 800-320-6269
We'll quickly see if you have the best priced plan available and if you qualify for a tax credit800-320-6269
This website is owned and operated by Goodacre Insurance Services, which is solely responsible for its content. This site is not maintained by or associated with Covered California, and Covered California bears no responsibility for its content. The email address and phone numbers that appear throughout the site belong to Goodacre Insurance Services, and cannot be used to contact Covered California.