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Covered California Q&A

Covered California and Obamacare related questions from consumers, employers and agents are answered by Phil Daigle with the best information available at the time. Archived entries may no longer be accurate as the Covered California and Obamacare knowledge-base is evolving quickly. TO REQUEST A PERSONAL RESPONSE INCLUDE EMAIL ADDRESS.


Making More Than One Health Insurance Application

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Question: I need health insurance but I dont know if I can get it because I have a couple of health issues and you know how insurance companies are. Is it ok to put applications in with a couple of companies at the same time?

Answer: Yes, it's fine to do this. There are really only two disadvantages. The first is the time it will take for you to fill the applications out. The second is that some insurance companies charge an application fee and almost all require that you provide a check, credit card or banking information to cover the first modal premium. This means that, if you are approved for coverage, you could end up canceling coverage with more than one company and having to wait on a refund. If you can say more about your health issues and the treatment you are receiving, your height and weight and whether or not you smoke, as well as the state you live in, I can give you more specific guidance as to which company might work best for you given your health conditions and the various underwriting guidelines. Good luck!

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