Individual & Family
Group health
Medicare Supplement

Best rates GUARANTEED

Free Assistance 800-320-6269

California health insurance  -  Health Reform Questions  -  Underwriting based on health

Can I Be Declined Based On Health?

The quick answer is "No".

Covered Ca agentThis is probably our favorite part of the Health Reform bill.

We have been helping Californians find health insurance for 20 years now and by far, the worst part of that endeavor has been when we are unable to find people coverage due to their health.

Sometimes, their health issues were significant while other times, the declinations were due to seemingly benign issues.

Either way, it was always disheartening for us since we develop personal relationships with many of our clients and we genuinely want to find them affordable coverage.

Let's look at the ramifications of this major change in how health insurance will be offered.

Current members with higher rates

Some people (approximately 20%) have been approved for coverage but rated up or offered a higher tier.

The rates can be 25%, 50%, 100% or even higher than the standard rate.

For these people, it definitely makes sense to look at the new ACA plan rates even if you have a grandfathered status.

 Anyone with an unchanged plan since 3/22/2010 is Grandfathered and their rates are generally much lower than any of the new plans. There are exceptions.

There are a few grandfathered health plans that are not priced well. Also, the people who have higher tiers may see a benefit. Either way, October 1st is the time to re-evaluate all the options and see if the new plans/rates (especially with subsidies) will offer you a better value.

You will find the Exchange and non-Exchange plans here once approved by the State and loaded in the system.

MRMIP, PCIP, and HIPAA plans

There's another classification of California health insurance members which were in the "high risk" pool. MRMIP and HIPAA plans can be very expensive and the new guaranteed issue plans should be better values with our without subsidies.

They're also going to be much more comprehensive in coverage. Some of these plans went away Jan 1st 2013 anyway so it will make sense to change.

Cobra coverage and guaranteed issue individual coverage

Many people would take Cobra coverage after leaving a group plan because they were unable to qualify for individual/family coverage (which was cheaper).

That's no longer the case.

Now, it's important to compare the pricing between Cobra and the new Individual/Family plans since the pricing on the latter may be creeping up to where Cobra is.

Either way, it's another option but make sure not to lapse your Cobra election period before lining up new coverage.

Group networks (doctors and hospitals) may be much larger than the new individual/family networks so if doctor selection is a concern, make sure your doctors are in the new Individual market networks.
Guaranteed issue coverage changes the calculation quite a bit and if anything, it makes it more complicated.

We're happy to walk through your situation at 800-320-6269 with you to make sure you are aware of all the options available.

 There is no cost to you for our service and the resulting guidance may be invaluable.
 

Important Pages:

SImple Tips on Comparing Covered California Plans

You can run your Health Plan Quote here to view rates and plans side by side from the major carriers...Free.

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:

  • - Get the most tax credit available
  • - Find the best plan for your needs
  • - Enroll right over the phone!




Call 800-320-6269

Our Services are FREE to You!

Need Help
With Existing Account

We can help you:

  • -Get required docs to covered Ca.
  • -Make changes to income and other info
  • -Choose and finalize plan enrollment
  • -Make sure you get right tax credit
  • -Payment/membership issues with carriers

Call to Enroll over the Phone in 15 Minutes

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

Call 800-320-6269
Anthem Blue Cross California
Blue Shield of California under Covered California
Kaiser of California
Health Net of California
Aetna
and more
Thousands of Californians
Hundreds of California Companies
SUCCESSFULLY
ENROLLED
Thousands of Californians
Hundreds of California Companies

from SC

"My sincere thanks for making a miracle happen- 2014 health insurance !! Many thanks for your expertise and advice yesterday !!"

from SD

"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..."

from KV

"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."

from EK

"I thank you very much for the time that you have invested in handling everything

from SR

"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."

from VH

"You are awesome... takes a huge worry off my back, thank you for your kind. thanks for your time and kindness. !!"

from SA

"Wow, I can't thank you guys enough for your help...I couldn't imagine trying to tackle this on my own!"

from LM

"You are my new best friend. A HUGE thank you again.

SUCCESSFULLY
ENROLLED
Find out what customers are saying about our services
About Calhealth.net

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

Request a 10 Minute Health Plan Check-up

We'll quickly see if you have the best priced plan available and if you qualify for a tax credit

800-320-6269
calhealth website

Our Services are FREE to You

Calhealth.net is a Goodacre Insurance Services Website

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.