Certified Insurance Agent

Loss of Job or Loss of Income SEP

Loss of Job or Loss of Income SEP

Certified Insurance Agent

 

A new Special Enrollment Period is now available to consumers who have lost their job or income or who have experienced a reduction in income. The Qualifying Life Event (QLE) dropdown menu now includes the following:

  • English: Loss of job or loss of income
  • Spanish: Pérdida de trabajo o pérdida de ingreso

Please note: This SEP is only valid for 60 days from the date the consumer experienced the loss of job or reduction in income.

 

Coverage effective dates under the “Loss of job or loss of income” QLE are as follows:

  • For new consumers, the coverage effective (start) date will be the first of the month following plan selection or the event date, whichever is later.
  • For existing consumers, the effective date of coverage for a reported change will generally follow the 15th day-of-the-month rule (e.g., a “Loss of job or loss of income” change reported September 24 would have updated case eligibility effective November 1).
  • Call 909-656-4885

 

Certified Insurance Agent

Loss of Job or Loss of Income SEP

Loss of Job or Loss of Income SEP

Certified Insurance Agent

A new Special Enrollment Period is now available to consumers who have lost their job or income or who have experienced a reduction in income. The Qualifying Life Event (QLE) dropdown menu now includes the following:

  • English: Loss of job or loss of income
  • Spanish: Pérdida de trabajo o pérdida de ingreso

Please note: This SEP is only valid for 60 days from the date the consumer experienced the loss of job or reduction in income.

 

Coverage effective dates under the “Loss of job or loss of income” QLE are as follows:

  • For new consumers, the coverage effective (start) date will be the first of the month following plan selection or the event date, whichever is later.
  • For existing consumers, the effective date of coverage for a reported change will generally follow the 15th day-of-the-month rule (e.g., a “Loss of job or loss of income” change reported September 24 would have updated case eligibility effective November 1).

Need Help Enrolling Call 909-656-4885 We can do this online together.

Certified Insurance Agent

California State Treasurer Fiona Ma, CPA News Release

California State Treasurer Fiona Ma, CPA News Release

Deadline Approaches: Businesses With More Than 100 Employees that Do Not Sponsor a Retirement Plan Must Register for CalSavers By September 30th
Sacramento – California State Treasurer Fiona Ma reminds employers with more than 100 employees that they are required by state law to register for CalSavers by September 30th if they don’t already sponsor a retirement plan.

CalSavers is California’s new retirement savings program that will offer millions of workers in California the opportunity to get on track for the future. CalSavers is available to California workers whose employers don’t offer a workplace retirement plan, self-employed individuals, and others who want to save extra. Participants contribute to an Individual Retirement Account (IRA) that belongs to them and is completely portable. Employers that don’t offer their own plan and have at least five employees must register for CalSavers by their deadline and facilitate their employees’ access to the program.

"Financial resilience has never been more important for working people," said Treasurer Ma. "CalSavers is here to help underserved workers save for their futures."

"Even with the pandemic conditions and well before the first compliance deadline, thousands of California employers are already registered and their employees have saved $9 million for their futures," said CalSavers Executive Director Katie Selenski. "Every day we hear that it’s easy for employers to facilitate and our support team is here to help employers as they get started."

Last April, the CalSavers Retirement Savings Board, chaired by Treasurer Ma, extended the registration deadline for employers in the state with more than 100 employees to Sept. 30 from June 30. "Business owners are facing unprecedented challenges due to the COVID-19 emergency," Ma said at the time. "We hope this action will help employers as they navigate through this difficult time." Deadlines for employers with more than 50 employees and five or more employees are June 30, 2021 and June 30, 2022, respectively. More information is available at 909-656-4885 If you opt out your employees can still save on their own.  I have retirement plans for Employers and Employees.  Please call for more info 909-656-4885

Certified Insurance Agent

Coveredca.

Coveredca.

Certified Insurance Agent

 

 

Covered California is committed to providing health insurance coverage to eligible Californians affected by the continued spread of the COVID-19 pandemic and natural disasters throughout California. The COVID-19 Special Enrollment Period will run through August 31, 2020. After the COVID-19 SEP ends, Californians can still get the coverage they need if they have experienced a loss of job or loss of income. This new SEP begins on September 1, 2020, and runs through December 31, 2020. And now, Governor Gavin Newsom has declared a State of Emergency for those counties battling the fires and extreme weather conditions. Californians who are affected by natural disasters that have resulted in a State of emergency may qualify for a Special Enrollment Period for 60 days past August 18, 2020.

Call 909-656-4885 If you have questions or enroll over the phone.  Skype 1-760-544-3210

Open Enrollment has been extended until Aug 31

Coveredca. Open Enrollment has been extended until Aug 31

Certified Insurance Agent

If your income has been reduced or you lost your job or your
health insurance due to the coronavirus crisis, Covered
California can help. Apply today! Give us a call at 928-216-7988

Need health coverage due to the #coronavirus? Enroll in a
plan through Covered California now.

Now’s the time to enroll in health insurance through Covered
California if you were impacted by the #coronavirus! Apply
now!

Have questions or need assistance with enrolling health
insurance through Covered California? Give us a call at 928-216-7988

California Extends Special-Enrollment

California Extends Special-Enrollment

Certified Insurance Agent

June 23, 2020

California Extends Special-Enrollment Deadline to Give Consumers More Time to Sign Up for Health Care Coverage During COVID-19 Pandemic

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  • Consumers who are uninsured and eligible to enroll in health care coverage through Covered California will now be able to sign up through the end of July.
  • The moves come amid continued uncertainty in the lives and livelihoods of Californians as public health officials fight against the spread of COVID-19.
  • The extension will also apply to consumers who enroll in off-exchange plans, outside of Covered California, to ensure that people enrolling in the entire individual market in California will have access to coverage during the pandemic.
  • All screening and testing for COVID-19 are free of charge, and all health plans available through Medi-Cal and Covered California offer telehealth options.
  • More than 175,000 people have signed up for coverage through Covered California since the exchange announced a special-enrollment period in response to the COVID-19 pandemic.

SACRAMENTO, Calif. — Covered California announced on Tuesday that it would be giving consumers more time to sign up for health care coverage during the COVID-19 pandemic by extending the current special-enrollment deadline through the end of July.

“Covered California is committed to helping people get access to the health care they need, and while California is reopening parts of the state, there is still a lot of uncertainty out there due to the pandemic,” said Peter V. Lee, executive director of Covered California. “We want to make sure that people have a path to coverage, whether it is through Covered California or Medi-Cal, and giving people more time to sign up is the right thing to do.”

Covered California initially opened the health insurance exchange to any eligible uninsured individuals, who needed health care coverage amid the COVID-19 nation emergency, from March 20 to June 30. The new deadline means that anyone who meets Covered California’s eligibility requirements, which are similar to those in place during the annual open-enrollment period, can apply for coverage through July 31.

The most recent data shows that 175,030 people have signed up for health care coverage between March 20 and June 20, which is more than twice the number who signed up during the same time last year.

Every year, Covered California provides eligible consumers the opportunity to sign up for health care coverage outside of the traditional open-enrollment period if they experience a qualifying life event. These can include events like losing your health insurance, moving, getting married or having a baby.

Overall, 242,600 people have signed up for coverage since Jan. 31, when Covered California ended its open-enrollment period, through June 20, which is nearly twice as many as seen during the same time period last year.

People who sign up through Covered California will have access to private health insurance plans with monthly premiums that may be lowered due to federal and new state financial help that became effective in 2020. After selecting a plan, their coverage would begin on the first day of the following month — meaning individuals losing job-based coverage would not face a gap in coverage.

The latest data from California’s Employment Development Department shows that 6.3 million unemployment claims have been processed in the state since the pandemic started.

“We know that when people lose their jobs, they often lose the health care coverage that was protecting them and their families,” Lee said. “While Californians who lose coverage can always sign up outside of open enrollment, we want to make sure even those who have lost work and did not have insurance have access to the health care in the middle of a pandemic.”

Medi-Cal and Off-Exchange Coverage

In addition, consumers who sign up through CoveredCA. may find out that they are eligible for no-cost or low-cost coverage through Medi-Cal, which they can enroll in online. Those eligible for Medi-Cal can have coverage that is immediately effective.

California has suspended Medi-Cal renewal reviews through the end of the public health emergency, ensuring that those already enrolled can continue their coverage and freeing up resources to quickly process new enrollments. The Department of Health Care Services (DHCS) also received expanded authority to expedite enrollment for seniors and other vulnerable populations, expand the use of telehealth and take other steps to make it easier to access care.

“The ongoing challenges of COVID-19 make it vital that we help Californians get into and stay in Medi-Cal and Covered California health coverage. The goal is to make it easier to access needed care and services during these difficult times,” said Will Lightbourne, recently named as the new director of the Department of Health Care Services.

DHCS oversees Medi-Cal, California’s version of Medicaid, which provides coverage for about 13 million Californians.

The California Department of Managed Health Care (DMHC) and the California Department of Insurance have also extended the special-enrollment period through July 31, 2020, which applies to all health plans on the individual market, including off-exchange health plans. This will ensure consumers enrolling in the entire individual market in California will have access to coverage during the pandemic.

“We want to make sure that Californians can access comprehensive and affordable health care coverage options when they need it,” said DMHC Director Shelley Rouillard. “The DMHC continues to work closely with our state partners and the health plans we regulate to protect the health and safety of the people of this state. Taking this important action to extend the special-enrollment period will help those impacted by the COVID-19 emergency.”

“With Californians continuing to experience job loss and, with it, the loss of employer-based insurance, the ability to access individual health insurance coverage is even more critical,” said Insurance Commissioner Ricardo Lara. “Substantial federal and state premium subsidies are available through Covered California to continue to keep quality, essential coverage within reach, especially during these extremely challenging times.”

All Covered California and Medi-Cal Plans Offer Telehealth Options

All health plans available through Covered California and Medi-Cal provide telehealth options for enrollees, giving individuals the ability to connect with a health care professional by phone or video without having to personally visit a doctor’s office or hospital.

All screening and testing for COVID-19 is free of charge. This includes telehealth or doctor’s office visits, as well as network emergency room or urgent care visits for the purpose of screening and testing for COVID-19. In addition, Medi-Cal covers costs associated with COVID-19 in both its managed care plans and with fee-for-service providers. Covered California health plans will help cover costs that arise from any required treatment or hospitalization.

New State Subsidies Help Californians Lower Their Health Care Costs

Californians who sign up for coverage may be able to benefit from a new state subsidy program that expanded the amount of financial help available to many people. The subsidies are already benefiting about 625,000 Covered California consumers. Roughly 576,000 lower-income consumers, who earn between 200 and 400 percent of the federal poverty level (FPL), are receiving an average of $608 per month, per household in federal tax credits and new state subsidies (which averages $23 per household). The financial help lowers the average household monthly premium from $881 to $272, a decrease of 70 percent.

In addition, nearly 32,000 middle-income consumers have qualified for new state subsidies, with an average state subsidy to eligible households of $504 per month, lowering their monthly premium by nearly half.

Many of those eligible for the new middle-income state subsidies are an estimated 280,000 Californians who are likely eligible for new state or existing federal subsidies but kept their “off-exchange” coverage. They are also eligible to switch to Covered California and benefit from the financial help. During this special-enrollment period, Covered California, its health insurance companies and Certified Insurance Agents will be reaching out to these Californians to let them know how they can save money on their premiums, which will help them keep their coverage in challenging financial times.

Staying Safe While Getting Help Enrolling

Covered California is working with the more than 10,000 Certified Insurance Agents that help Californians sign up and understand their coverage options through phone-based service models.

“We continue to be in a different world right now, but social distancing does not mean you cannot get personal help,” Lee said. “Health insurance is just a phone call away, and our agents and staff stand ready to help people get the coverage they need.”

Consumers can easily find out if they are eligible Medi-Cal or other forms of financial help and see which plans are available in their area by using calling 909-656-4885 and entering their ZIP code, household income and the ages of those who need coverage.

Those interested in learning more about their coverage options

  • Get free and confidential assistance over the phone, in a variety of languages, from a certified enroller.
  • Have a certified enroller call them and help them for free.
  • Call Covered California at 909-656-4885

About Covered California

Covered California is the state’s health insurance marketplace, where Californians can find affordable, high-quality insurance from top insurance companies. Covered California is the only place where individuals who qualify can get financial assistance on a sliding scale to reduce premium costs. Consumers can then compare health insurance plans and choose the plan that works best for their health needs and budget. Depending on their income, some consumers may qualify for the low-cost or no-cost Medi-Cal program.

Covered California is an independent part of the state government whose job is to make the health insurance marketplace work for California’s consumers. It is overseen by a five-member board appointed by the governor and the Legislature. For more information about Covered California, please Call 909-656-4885

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Coveredca. Update

Certified Insurance Agent

Special Enrollment is Expanding

Due to the circumstances associated with COVID-19, Covered California is expanding its Special Enrollment Period for 2020. Effective immediately, any eligible consumer can enroll in health coverage without experiencing a qualifying life event or other special circumstance. This new policy will be in effect until June 30, 2020.

If you know someone who needs help during these trying times. Call 909-656-4885