Speak with a Covered California certified agent! Call (888) 413-3164 or Shop Online Now

Shop and Compare

California Health Insurance Plans and Rates

It's easy. Just enter your zip code.

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.

Plan Selection Deadline?

By on | 3 Comments

Question: My eligibility results say this: “You must choose a health plan by December 07, 2013.To choose a health plan, click the “Choose a Health Plan” button below.” I do not understand why I have to choose a plan by Dec 7th. I thought the deadline for coverage to start on Jan 1 2014 was Dec 23rd. If open enrollment lasts until March 31st why do I have to choose by Dec 7th? If I don’t will I lose my chance to enroll in a plan for 2014?

Answer: Upon conditional approval, you are given 30 days to select a plan. (That may account for the first date - Dec. 7th). By design, 30 days was thought to be more than enough time to select a plan. Now that the application deadline for January 1, 2014 coverage has been moved back to December 23rd, a person applying today has 16 days to select a plan and complete their application. A plan must be selected before your application data can be forwarded to the appropriate insurance carrier - Anthem, Kaiser etc.. It’s the carrier’s responsibility to collect your initial payment, so they’d like to have that done ASAP. It was intended that your coverage would not start until you had paid your first premium. Given the first month or so of the open enrollment period was FUBAR, the date for collecting the initial premium for 1/1/14 coverage was extended into the 2nd week in January. So, yes you can drag your plan selection to Dec 23rd and be officially covered on Jan 1 (though I don’t know why you’d want to create that kind of stress), but don’t expect to get your insurance card until late January. If you do not complete an application by March 31st you will lose your chance to be covered in 2014.


What does “tier 2 Not applicable” mean exactly on the Blue Shield Enhanced Silver 94 plan offered at the Covered California Website?

Thanks for providing this service, Phil.

This morning, Dec 9, at CoveredCA, they still have not fixed the dates. While I am at it:

Eligibility Results Not once, but three times it says “Social Security number must be verified by the office of SSA.” That mistake is even on their youtube video.

And then it says “2013” when they mean 2015. “your coverage will not take effect until January 01, 2013.”

I have a client who was accepted on an Anthem plan, but has just changed his mind and wants to go with Kaiser instead. How do we handle this?

Leave a comment

Do You Have California Health Insurance Questions?

Ask An Expert

View Previous Questions
Call Us at (888) 413-3164

© 2022 California Health Benefit Advisers, LLC
Home / About / Start Shopping / Ask a Question

“Covered California,” “California Health Benefit Exchange”, and the Covered California Logo are registered trademarks or service marks of Covered California, in the United States. This web site is owned and maintained by California Health Benefit Advisers, LLC, which is solely responsible for its content.