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The first payment is required to activate your policy with Covered California.
You'll receive a letter from Covered Ca with the deadline but here's the deal.
It gets so busy during Open Enrollment, that we see many people miss this window.
Mail can be an issue
It's right smack in the middle of the Holiday rush
They don't realize how quickly the payment has to be turned around.
You name it...we see these policies lapse.
To avoid this bad situation, we created the PayMaster form:
Sometimes even outside of business hours!
You'll get a confirmation from the carrier of payment and we're all set.
Let's look at the process.
Here's how to pay your first month's Covered Ca Premium to activate policy:
The entire process takes 2-3 minutes and can be done from a desktop, laptop, or smart phone!
You'll get an emailed confirmation immediately from the carrier.
If you selected "ongoing payment", this monthly amount will continue to draw monthly until you change the billing type.
This can take from 48 hours (Anthem and Kaiser) to 5-7 days (Blue Shield).
Once active in the system, Google "carrier register online account".
For example, "Anthem Blue Cross register online account"
This will take you right to the registration page.
It takes a minute to register.
Registering your online accounts allows you to:
And much more!
If you have a tax credit, that amount is automatically taken out of the monthly premium.
You will pay the net amount.
That's the amount that will be drawn for the 1st month to activate your Covered Ca policy.
There is no application fee or fee for our service.
The amount drawn is only for the 1st month's premium minus any tax credit applied.
If dental is selected, there will be a separate draw to the same credit card info submitted for the dental.
This will be for the 1st month's dental premium.
In fact, many times, we have parents pay for kids and sometimes even parents!
Obviously, the person submitting the form needs to give consent to debit the credit card for the 1st month's premium.
The person paying can be different than the person being insured.
You can change this credit card information later through your online account or with the carrier directly.
Here's the deal with Covered Ca (their rules)...
If we have not paid the 1st month's premium, no problem.
We can cancel the policy.
In fact, non-payment will cancel it eventually when we use up the 15 day window.
There's no impact on credit since health insurance is a pre-pay policy.
However, what if we paid the premium already?
You need to notify us right away.
Remember from above that there's a lag time from when we submit payment till the carrier activates the policy (48 hours to 7 days depending on carrier).
If we're still in that window, it will show "pending" in the system.
We can still cancel never effective.
The only times we've been able to cancel with "in force" is if we're still before the effective date.
For example, if we enroll on June 1st for a July 1st eff date; pay on June 10th and then request cancellation before July 1st.
Don't hang your hat on that however.
We want to submit the request to cancel while showing "pending" in the system!
When submitting the first payment, most carriers offer the ability to use the submitted payment info for ongoing monthly payments.
We strongly recommend this!
You can change it later but here's the deal.
It's generally unintended.
Periods of travel.
Periods of sickness (don't want to lose coverage at that point!)
Either way, once the policy lapses due to non-payment, we may be out of luck until next Open Enrollment.
It's a bad place to be and we 100's of clients fall into this boat.
Choose the re-occuring payment option on the PayMaster form to prevent this situation.
You'll be glad you did.
You can always change your billing type through the online carrier account or direct with the carrier.
We've tried to take the confusion out of dealing with Covered Ca.
One quick form and we can activate your policy for you.
It's just one way we want to be your advocate navigating the new Marketplace.
Use the secured form for that!
How can we help?
"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.
On-Exchange Application for California Online
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.