Question: I have a client who is eligible under the federal guidelines for a catastrophic plan. He was recently approved by the federal marketplace and has the paperwork to prove it. To date, I have not discovered the mechanism to offer him anything other than the Bronze plan, either off or on- exchange. Is there now a streamlined process now by which I can help them enroll in a catastrophic plan?
Answer: If the applicant is eligible for a catastrophic clan because of age (19-30), then the catastrophic plan will show an an option in the enrollment section of the online Covered California application. However, since catastrophic plan are unsubsidized, you can go directly to the carrier's online application. If the client is eligible for a catastrophic plan but 30 or over, I don't know of any online mechanism on or off the exchange to get the app started. You can submit a paper application to the carrier with your eligibility documentation.