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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.


Still Covered After 90 Days?

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Question: I received the conditional 90 day coverage from Blue Shield, through CC. I needed to verify my income, but was not able to pull together any of the required documents in time. I have been working as an independent contractor in this past year (for the first time ever) and am definitely on a learning curve for documentation. I have been billed (by Blue Shield) for the month of April, so I went ahead and paid it, but I am not sure if I am still covered from CC's point of view. I tried calling CC a number of times before the March 31st deadline to try to resolve the matter but was never able to reach anyone. As luck would have it, I have need to see a doctor now, due to injuries from a fall, but I am reluctant to proceed, for fear I will find myself without coverage and facing exorbitant bills which I cannot afford. Is there a grace period or a next step when the provisional coverage period ends?

Answer: Yes. You are still covered. Neither Covered California nor Blue Shield will cancel your coverage for failing to comply with a request for income verification. At worst, CC could take away your premium assistance, but that would not happen until you have been given additional opportunities to comply. For starters, they have to start providing adequate customer service before they can hold you to your reporting obligations. Wait until you can get through to 800-300-1506 and ask the Customer Service Rep for assistance in providing the necessary documentation.

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