Single Streamlined Application
Covered California has created a Single Streamlined Application that can be used for on-exchange applicants and Medi-Cal applicants. Download SingleStreamlinedApplication_PD.pdf
The Covered California Online Application is a “smart” application with integrated electronic verification, applicants can obtain health insurance and be matched with financial aid programs to help make that insurance more affordable.
The privacy page lets the applicant know how the information he enters will be used and that data from other sources will be accessed to verify his information. Integrated systems will check his eligibility in real time by retrieving information from other federal agencies, including the IRS, Social Security, and the Department of Homeland Security, including state agencies Franchise Tax Board and Employment Development Department.
The system needs an accurate picture of Gustav’s household relationships. This household section is quite detailed in gathering personal information about each household member. Because the system can analyze and integrate answers with other information, each applicant’s questions automatically update to reflect the answers they have entered. This allows questions to be asked about each applicant by name.
Eligibility for Medi-Cal or a premium subsidy (tax credit) is based on income and household size. On the income verification screen, Gustav enters current income for all household members from various sources. Income information can be complex and this part of the Covered California application incorporates electronic verification to help applicants easily answer these questions as accurately as possible.
Once Gustav’s household size and income is known, the system determines that based on his income, Gustav may be eligible to receive tax credits to help pay premiums. Next, Gustav will be asked whether he receives or could receive “affordable” employer-sponsored group health insurance through his job. Gustav indicates that his employer does not offer him health insurance and he currently doesn’t have health insurance from any another source, nor is he eligible for any other publicly funded insurance program. Gustav can then sign his application electronically and officially submit application for eligibility to the Exchange.
On the eligibility results page, Gustav a list of programs for which he qualifies and what his next steps are. Consumers want an outcome and a receipt for transactions, so applicants can print the eligibility page and have their eligibility determination saved to their electronic account. In this case, Robert qualifies for advance payments of the premium tax credit and cost-sharing reductions. With the application process complete, Robert can enroll in a Covered California health plan and apply his tax credit right away. Effective Date Guidelines