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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.


Add Dependent for 2014?

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Question: My daughter has her own CC policy in 2014 but I want to include her with mine for 2015 as we will be filing taxes together. A cannot find any way to add a dependent using the CC website. Any suggestions on how I would add her as a dependent?

Answer: Now that open enrollment has started, you can make the change yourself. If you know your username and password, you can use the "Account Sign-In" link (click image to enlarge) Sign-In.png. Once in your CC account, click on the "Renew" button. You will have to verify your identity by uploading a copy of your ID (license etc.) and then you can add a family member.

2 Comments

I’ve been trying to upload documents for weeks now and keep getting: An error occurred when we tried to process your request. We’re working to resolve this issue. Error Code: 3M0QK5YH Error Number: 100303597 Please try again later or contact our Customer Service Center

Am I the only one?

Is your daughter under age 26 for all of 2015? If not, you won’t be able to do this for all of 2015. Additionally, if you do add your daughter to your plan, both of you could end up paying more as a household of two because of your summed incomes.

For example, let’s say your income is $22,950 and your daughter’s is $17,495. You qualify for a Silver 87 plan and your daughter qualifies for a Silver 94 plan. Together, your household income would add to $40,445, which is more than 250% of the Federal Poverty Level. Both of you would lose the Cost Sharing Reductions in the Silver plans mentioned above. You would not necessarily have to list your daughter as a dependent, but only you would receive premium tax credits when filing your 2015 income tax returns separately.

You need to carefully evaluate the implications of combining yourselves into a household of two.

If you do end up doing this, your daughter will need to go into her account and terminate her participation effective 1-1-2015. That functionality is currently disabled and there is no announced timeframe for it to be reactivated. I was told yesterday (11/15) by a CoveredCA CSR that it could be up in the next 5-7 days.

I’m not holding my breath. I have a client who needs to be terminated on 12-1, because she is aging into Medicare and I have enrolled her in a Medicare Advantage plan.

In the initial answer above, there is also mention of uploading one’s driver license. This is no longer an acceptable document for proof of lawful presence or citizenship — only official documents such as birth certificates, passports, and alien registration cards are now being accepted when a person’s identity is not verified by electronic means.

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