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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.


No Financial Questions Off-Exchange?

By on | 2 Comments

Question: It seems complicated to switch from my private pay option—i.e getting involved with the tax returns, etc. Is there a way for me to avoid that?

Answer: Yes. You can apply for an off-exchange plan which mirrors exchange plans and rates exactly. And because you are not seeking a tax-credit, there are no questions about your income. Also, the application process takes only a fraction of the time as Covered California application.

2 Comments

I’m finding that the off-exchange rates do not mirror the exchange rates exactly. For instance, the WHA off-exchange rates for both their individual and small group plans are slightly higher than their exchange rates. I’m told it’s because they included pediatric dental in their plans and spread the cost among all rate tiers, rather than just including them in the child rates. I guess I thought when they said rates, benefits and networks were going to match EXACTLY they meant EXACTLY. Silly me.

Buyer beware. The networks probably are very different. Do your homework.

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