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California health insurance  -  Health Reform Questions  -  info needed to enroll

What Info Should I Have Ready To Enroll in Covered California?

Covered Ca agentWith 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.

The Basic Requirements to Quote And Compare Plans

We will need this information to run quotes now in the new system:

Level 1 - Basic Quote

  1. Number of Members in the Household
  2. Estimated Gross Income for Household for current year (explanation of MAGI)
  3. # of Family Members
  4. Zip Code
  5. Dates of Birth for Eligible Members

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.

We're happy to run this quote for you and analyze the results to pinpoint the best values.

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.
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Level 2 - Provider Consideration

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.

Level 3- Health Expense Expectations

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.

The same 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.

What about actual enrollment?

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:

  1. Payroll
  2. Unemployment Benefits
  3. Social Security Benefits
  4. Retirement/Pension Income
  5. Rental or Royalty Income
  6. Alimony Received
  7. Investment Income
  8. Capital Gains
  9. Farming or Fishing Income
  10. Cancelled Debts
  11. Court Awards
  12. Jury Duty Pay
  13. Miscellaneous

Citizenship/Residency

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.

Doctor and Hospital information

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.

Payment Information

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 fastest approach is to call us at 800-320-6269 and we can figure all this out in about 10 minutes.

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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