With the new Health Reform enrollment process, what should you have ready in order complete the process?
The process has changed considerably since we transitioned from essentially medical underwriting to financial underwriting. Let's walk through what you should have ready.
We will need this information to run quotes now in the new system:
That's it. To run a health quote and most importantly, establish if we can qualify for a subsidy, the above information will be adequate to start.
For self employed people, make sure to look at your Personal gross
income and not your Schedule C Gross income. Those will probably be very
different amounts. Look at your 1040, line 37 as a good guide.
Quote Covered California and Off-Exchange Plans
Apply for Exchange and Off-Exchange Plans
Let us know if there are certain doctors and most importantly, hospitals, you want to keep since the provider networks are shrinking significantly and there may even be exclusive hospital contracts with certain carriers.
If you have significant health issues or expected expenses, please make a note of this as it can affect which plan presents the best value.
rules apply as before Health Reform in comparing the California health plans in
that you want to compare the annual premium difference against the difference in
deductible/Out of Pocket Maximum to find the best "price point" on the market.
So that's the Quote and Compare section.
Financial (only if eligible for subsidy and/or applying in Exchange). Be prepared to enter current income data by source. These are the common sources:
You may need additional documentation to verify U.S. citizenship or residency (including State).
If your status is more involved, make sure to have verification documents handy.
If you want select plans according to your providers, make sure to have their accurate names and cities.
We have access to a system that will parse plan options by providers if that's important to you.
You can either pay the first month's premium by check or use a Automatic Debit
Transfer from a checking account. You'll need your account number and routing
number to do so.
This is a general list of what most people will need to both quote and enroll in a new California Exchange plan.
The enrollment process is not easy but we are
here to help walk you through any questions you have and we can save you a great
deal of time at no additional cost to you.
Related Page: Best Tips for Comparing Covered Ca Plans
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We are licensed Covered Ca agents with in-depth knowledge of their plans, process, and tax credits.
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