How to get health insurance

How to get Health Insurance

Understanding how to get health insurance insurance can be a difficult and confusing task. There are many factors that can play a role in your decision making process. Cost, what health insurance plans are available in a county/state and size of  family will greatly influence the final decision of anyone looking to choose a plan.

Before enrolling in a health insurance plan, we would like to point out some basic information to help you learn how to get health insurance.

Where to go to learn more about how to get health insurance

We are independent health insurance agents that represent all major insurance companies

Utilizing a health insurance agent can be a huge help when trying to find the right insurance plan that fits the needs of you and your family. Here at BLV Insurance Services, we have over 30 years experience helping individuals, families and small businesses, throughout the Bay Area, choose the right health insurance plan. We are experts in the following health insurance plans:

Plans We Specialize In

Our Health Insurance Quote Process

Introductory Call/Meeting

We will set a time up to meet over the phone, or in person, where we find out some basic information about you. How many people will be on the plan, ages of those on the plan, your residential zip code, any prescription drugs you, or your family, regularly takes and what doctors you regularly visit.

We find a plan that fits all of your health insurance needs

We then will sit down and review various plans, through various insurers in your zip code. Once we identify a plan that fits your needs, we will then schedule a time to review our findings with you.

Choose A Plan

Once we have identified your ideal health insurance plan, we will then help you fill out an application for health insurance coverage.

Start Receiving Coverage

After you have chosen your health insurance plan, and finished your application, you will then start receiving health insurance the following month.

What determines the cost of your health insurance plan?

  • Your family size
  • The ages of the individuals on the plan
  • Your home zip code

Why does family size and age determine the cost of your health insurance plan?

The more individuals on a plan and the older the individuals are on a plan, the more expensive the plan will become. The bigger the group and the older the individuals are on that group will always equal a greater health insurance cost.

Why is your zip code important?

Since the implementation of Covered California, not all insurance companies cover individuals in all California counties.  For example, Health Net will not sell in Alameda County, but they will sell in Contra Costa and Santa Clara County.  Providing your zip code to your health insurance broker will help us find a plan that fits your needs and is available in your area.

How Open Enrollment has changed

Before Covered California, Californians could enroll in a new health insurance policy whenever they wanted.  Unfortunately, all of that has changed. Currently the Affordable Care Act mandates that all people apply during open enrollment. 2017’s open enrollment is between the months of November 1, 2017 – January 31st, 2018.  If you are looking to enroll in a new plan before, or after these dates, you must qualify for a special open enrollment.

To qualify for special open enrollment, you must apply for a new health insurance within 60 days of a qualifying life event.

Examples of qualifying life event are:

  • Expiration of Cobra
  • Employer no longer offers health benefits
  • Marriage or Divorce
  • Having a baby
  • Adopting a child
  • Moving your residence
  • Gaining citizenship
  • Aging out of a parent’s plan

What if you do not have a qualifying life event to enroll for health insurance?

If you miss open enrollment, or voluntarily end your health insurance coverage, you do not qualify for the special enrollment period and you will not be able to purchase health insurance until the following year. You can enroll in a short-term health insurance plan that can cover catastrophic hospital bills. However, those plans do not meet the mandatory minimum coverage needed to not receive the health insurance tax penalty.