Covered California Application - A Step-by-Step Guide

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Set Up Covered California Account

When John Doe arrives at www.coveredca.com homepage CC App A1.png (click image to enlarge), he will select “Login In” and then “Set Up an Account” CC App A2.png. On the next screen CC App A3.png select “Individual”. John creates a username, password, and PIN (writes it down where he can find it again). His account is confirmed CC App A4.png and the system logs him out.

Starting the Application

After logging in his username and password, John is asked to respond to some security questions CC A5.png to further insure the privacy of his account, after which John is finally ready to begin the application. John negotiates the first screen CC App 1A.png which has 2 critial questions. He answers “yes” to he question, Would you like to see if you can get help paying for your health insurance? because he thinks that his household income might qualify him for a subsidy. John enters his household size as 2, for himself and his spouse.

Household

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 CC App 2A.png.

Income

John is employed and his income is in the form of wages CC App 5A.png while Janet, his wife, has self-employed income CC App 5B.png and other income from rental property CC App 5C.png. Janet also has deductions CC App 5D.png for the her rental property. Finally the income summary CC App 5E.png totals up the income for the Doe household

Eligibility

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) CCappD1.png. At the bottom right of the eligibility confirmation page CCappE2.png select “Choose a Health Plan”.

Enrollment

The “Eligibility Results” page CCappE1.png summarizes your health plan selection, net premium due, and effective date of coverage.

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.

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