In case you haven’t heard: open enrollment for Covered California and other private individual plans begins tomorrow! ITUP is super excited and has been celebrating on the Covered California bus all week. Now we have a quick message you can deliver to friends, family, and clients: signing up for coverage can be as easy as 1, 2, 3.
1. Gather documents and fill out the online application
Ready to get insurance? First, you’ll need information about income, like paystubs, and the social security numbers for everyone in your family applying for coverage and who you file taxes with. If you are an immigrant, grab any paperwork or identification. Then you can fill out the application through CoveredCA.com or contact an enrollment counselor or insurance agent to help you apply.
2. Choose your plan
Once your application has been submitted, you’ll receive an eligibility determination for financial assistance, and then you get to pick a plan that works for you. Here are some important factors to consider:
- Premium cost
- Outpatient providers in network
- Hospitals in network
- Drug formulary
- HMO vs. PPO vs. EPO
- Premium and cost-sharing trade off between metal tiers
- How much care do you anticipate using?
- Do you qualify for cost-sharing subsidies?
3. Pay your premium
Big deal alert – starting this year, consumers will be able to make their first premium payment upon enrollment through the Covered California system. This streamlines the process and will hopefully speed up activation of coverage. Enrollees who don’t immediately pay their first premium will receive a bill from the insurance company with a due date.