The new healthcare law has changed how many Californians enroll in insurance. Before you sign up through Covered California, we wanted to take the time to explain the process to you in order to help you make a more informed decision on who handles your healthcare needs.
What you need to enroll through Covered California?
- Photo ID/ Passport
- Social Security Card
- Household Income: Weekly Pay Stub or Tax Returns.
- Amount of people that will be on the plan
How BLV Insurance Services can help.
Having an insurance broker assist you through the Covered California enrollment process costs you absolutely nothing. Brokers are here to help you navigate the confusing and frustrating process of enrolling through Covered California. We help you see if you qualify for subsidies. If you qualify for a subsidy, using a broker is extremely advantageous. By utilizing a broker through BLV Insurance Services, we can help you by shortening the amount of time it takes you to fill out the application. We have helped countless amounts of clients navigate the difficult waters of the Covered California enrollment process. On the phone, we will wait through the long waiting times during open enrollment. Leaving you with the ease of going about your day, while your BLV representative will be successfully navigating the Covered CA enrollment process at NO COST to YOU!
Learn more about Covered California Consumer Protection
How to know if you qualify for a subsidy through Covered California?
Call a representative here at BLV Insurance Services and we will help see if you qualify for Covered California to receive your subsidy. Regardless if you qualify or not, a representative can help you choose the right plan that will be the best fit for you
What to do if you dont qualify for a subsidy through Covered California?
The reason why we want to walk you through the qualification process is to see if you should even enroll with Covered California in the first place. If you don’t qualify, and still enroll through Covered California, all you are doing is creating a long and time consuming process for yourself filled with long hold times and confusion. A common misconception many people have is if they don’t qualify for a subsidy through California’s Health Insurance Exchange, they still have to enroll through them. The reality is, if you don’t qualify for Covered CA, you can still enroll directly through a private insurance company. A private insurance company plans are the same exact plans that an individual/family or business receive by applying through Covered California.
If you don’t qualify for Covered California, you save time by applying through a private insurance company. The Covered California application is twenty pages long and you have to provide proof of income. Many experience frustration with the reliability of the website during the application process. Applications sometimes dont go through and it causes an individual to have to start all over. Many potential clients get stuck on the phone for long waiting periods if you have any questions or concerns in regards to your application. Although many experience prolonged periods of frustration while enrolling through Covered California, there are huge benefits for having patience. You will be receiving a subsidy that goes directly towards you monthly premiums, which is extremely rewarding. However, if you aren’t receiving the subsidy, you are going through all of that trouble for nothing.
When applying through a private insurance company, the application is (on average) 10 pages and you do not have to provide proof of income. You can reach a representative within minutes and, if there are any questions or concerns, you can easily communicate with the private insurance company. No long hold times on the phone, no confusion with the application process. Unfortunately, if you don’t qualify for a subsidy through Covered California, going through a private insurance company could cost you more money.
What are your next steps?
Give us a call at BLV Insurance Services. We will check to see if you qualify for Covered California. If you do, we will guide you through the application process and help you choose a plan that best fits your needs. If you don’t qualify, we will gladly help you find a plan that will best fit you through a private health insurance company. Once again, using a broker to help you through the Covered California process is completely free. The law forbids a broker to charge any application fee for any application.