Covered California Application - A Step-by-Step Guide
Starting the Online Application
When you arrive at the www.coveredca.com homepage click on the “Apply to Get Covered Link” click on the “Apply to Get Covered Link”. After agreeing to the terms and conditions, select “Individual or Family from the next screen . Then enter “user information” followed by your “contact information”
Create Username and Password
The next screen requires you to create a username and password . You will need to recall your username and password regularly so record and save in a safe place. Next you’ll be asked to create answers to security questions. The security questions are used if you forget your password. Yo will now be logged out. Log back in using your username and password.
If you are uncertain about your household size, the general rule is: “If you file income taxes together, you buy Covered California coverage together”. Each household member, in this case John and his wife Janet will complete personal information .
John is employed and his income is in the form of wages while Janet, his wife, has self-employed income and other income from rental property . Janet also has deductions for the her rental property. Finally the income summary totals up the income for the Doe household
The enrollment system determines that based on their income, John and Janet are eligible for advance premium tax credits (APTC) and and cost sharing reductions (CSR) . At the bottom right of the eligibility confirmation page select “Choose a Health Plan”.
What Happens Next?
Covered California must now transfer the relevant information from your application to the insurance carrier or your choice. The carrier processes the incoming data then notifies the applicant that payment is due. The applicant must pay the net premium by a stated date or the coverage will not be effective. Once the premium is paid, the carrier assigns a Subscriber ID Number and mails the membership packet, including the membership card.