Set Up Covered California Account
When John Doe arrives at www.coveredca.com homepage (click image to enlarge), he will select “Login In” and then “Set Up an Account” . On the next screen select “Individual”. John creates a username, password, and PIN (writes it down where he can find it again). His account is confirmed 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 to further insure the privacy of his account, after which John is finally ready to begin the application. John negotiates the first screen 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.
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 health plan issuer, Kaiser Permanente in our example. Kaiser 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, Kaiser will mail the membership packet, including the membership card.