Question 1

How do I renew my current health insurance?

Accepted Answer

We can help you to renew your Covered California health plan or  directly through your health insurance provider. We will help you  decided if it's still the best plan for you.

Question 2

When can I enroll in a California health insurance plan?

Accepted Answer

Open  Enrollment starts Nov. 1st  and continues through Jan. 31rd and offers all  individuals — sick or healthy — the opportunity to get the health  coverage and care they need.
 
Keep in  mind health Open Enrollment ends January 31 Most people are now  required by law to have health insurance or pay a penalty when taxes are  filed.

Question 3

What are the options?

Accepted Answer

We offer  a range of choices between Covered California or directly through the  insurance companies. Either way, consumers can choose the health plan  and level of coverage that best meets their needs and budget.  At  Covered California and in the individual market, consumers can compare  plans based on standard benefit designs and know that all essential  health benefits are covered. 
 
Contact us to help you choose the right plan. There is no cost to you for this service.

Question 4

How much with my health insurance cost?

Accepted Answer

Through  Covered California, your health care costs will depend on your age,  where you live, your household size, household income and the health  plan you select.  Financial assistance is available in the form of a tax  credit to people who qualify based on household size and income. The  amount is based on a sliding scale, which means the lower your income,  the more help you can receive. We can help you figure out if you qualify  for financial assistance.
 
Enrolling  into a health plan directly through the insurance companies, your  health care cost will depend upon your age, ages of your household,  where you live, and the health plan you select. We can help you enroll  in a health plan that fits your needs.

Question 5

Can I ask my doctor which health insurance plans they accept?

Accepted Answer

You can ask your doctor's office which insurance companies they accept. But here's the crucial nuance: insurance companies offer many different plans (like employer, individual, or Medicare), and networks vary greatly. Your doctor might accept the company, but not your specific plan. We navigate this complexity, researching and verifying your doctor's exact in-network coverage for you.

Question 6

How much is my insurance going to cost?

Accepted Answer

Your health insurance costs vary widely. Key factors include your location, age and the type of plan you choose. Also, your income can  significantly lower costs through government subsidies if you qualify.  What you pay monthly (premium) and when you use care (deductibles,  copays) all depend on the specific plan you pick. We can help you  navigate these details to find the right fit.

Question 7

How much do you charge for helping me with my health insurance?

Accepted Answer

For the health insurance enrollments, our services come at no direct cost to you. We  are compensated by the insurance companies when you enroll in a plan  through us. This allows us to provide expert guidance and support  without adding to your insurance costs.

Question 8

Will my health insurance premiums increase?

Accepted Answer

Yes, premiums typically increase annually due to rising healthcare costs  and changes in your age or plan. We can help you navigate these changes  and manage your costs each year.

Question 9

Do you offer support beyond initial enrollment?

Accepted Answer

Yes, absolutely! We provide all-year-long support. Our  service doesn't end once you've enrolled in a plan. We're here to assist  you with any questions or issues that arise throughout the year, from  understanding your benefits to navigating claims or making changes to  your coverage.

Question 10

How can I get the "best deal" on health insurance?

Accepted Answer

The "best deal" isn't just the lowest price; it's the right balance of  cost, coverage, and access to your doctors. This involves comparing many  options and understanding factors like subsidies. We specialize in navigating these complexities to find the ideal plan for your needs.

Question 11

What is a Special Enrollment Period?

Accepted Answer

A Special Enrollment Period (SEP) is a specific time, outside of Open  Enrollment, when you can sign up for or change health insurance due to  a qualifying life event. Common events include losing coverage, getting married, having a baby, or moving. Most SEPs last 60 days from the event. We can help you determine if you qualify for an SEP and assist with your enrollment.

Frequently Asked Questions