After Jan 15th, we get many frantic emails and calls.
The concern is real.
Also, there's the little issue of not having health insurance in case something big comes up.
We get calls weekly where someone is paying off a $20K bill to a hospital.
You can jump to one of the three main options available here:
Enough of the theatrics. We're here to help you navigate the market.
What can we do if we missed the deadline?
First, a quick recap.
There may be special windows such as around tax time for limited re-opening of the market but we can't count on these.
These restrictions apply to both off-exchange (direct to carrier) and on-exchange (Covered California plans).
Medi-cal may be available year round if you qualify based on income.
Otherwise, we have to wait till Nov 1st unless we qualify for a SEP
As part of the ACA (Affordable Care Act), there are certain triggers that allow people to enroll if they missed the Open Enrollment window
These generally revolve around large life changes.
The most common triggers are:
There are some other less common triggers but we can help you take advantage of your changes.
You can quote Covered Ca with Tax Credits here if you have a SEP:
We'll also see if you qualify for the very generous tax credits available. We can generally cut the time to calculate this from 45 minutes down to 5
Eligible effective dates with SEP's
If you've missed the open enrollment deadline and are using an SEP to enroll, there are rules for the possible effective date.
Otherwise, we'll get the next 1st after.
Don't delay or we can miss the Special Enrollment Period altogether!
Enrollment takes 5 minutes over the phone at 800-320-6269.
What if you do not have a big life change and missed the insurance enrollment window?
Our backup option.
We used to have an option to carry you out to the next Open Enrollment period (or SEP).
It was interim coverage with IHC and sponsored by Anthem Blue Cross.
UPDATE: California banned all short term health insurance plans eff 9/1/2018.
Some quick notes on the previous IHC coverage
This is a great option (maybe the only option) for people who missed the deadline and do not want to go uninsured.
It's a simplified issue policy which means that if we can answer "no" to the health questions, we should qualify.
We have been waiting for a good short term bridge plan option for years now.
Having Anthem Blue Cross sponsor this policy through IHC fills a definite need in the market.
Quote short term health here until Open Enrollment:
Again, the quote and enrollment option is completely online. Quote here.
This is the new kid on the block but not for long.
That's an impressive entry to the market.
Here's why Health Sharing will probably be the popular route outside of Open Enrollment.
Make sure to learn about how it works below since it is new to most people.
You can find out more about the best option, AlieraCare here.
You can quote and enroll for AlieraCare here.
First, look to see if you qualify for a SEP. We can help you with the rules on this.
Secondly, you can get a short term plan to cover you till Open Enrollment or your next coverage.
Call 800-320-6269 for any questions on which option is best for your situation. Our services are free to you!
Again, there is absolutely no cost to you for our services. Call 800-320-6269 Today!
"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
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