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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.

Waiting Period?

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Question: As an individual enrolling for health insurance through Covered California (I will also be subsidy eligible) will there be a waiting period before benefits are payable?

*Answer*: No. There is no waiting period for coverage of any specific benefits at all. You will have to wait until January 1, 2014 for coverage to begin. If you enroll after that date but within the open enrollment period, you may have to wait until the first of the month for coverage to begin. If you do not enroll during the open enrollment period, you will have to wait for the next open enrollment period beginning October 15, 2014 unless you qualify for a special enrollment due to a qualifying event.

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What is the cutoff date for applying to have an effective date of January 1 for a new insurance policy?

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