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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.

Switching from Cobra?

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Question: If I end my health insurance with Cobra on 1/31/15 because it is to expensive and sign up for Covered CA when will the insurance start?

Answer: If you apply through Covered California by January 15th, your new coverage will be effective on February 1st, 2015.

1 Comment

I received a letter saying that my insurance company (BS of CA) has terminated their contract with the medical group (Sutter Health) associated with my family doctor, as of Dec 31 last year. I decided I’d go back to my long-time family doctor whom I had left last year because of plan changes (available only under WHA’s HMO coverage), rather than find yet another new doctor. So I went through “Change Plan” on CoveredCA’s site, but when I finished I saw that it stated the effective date was shown as Jan 1, not Feb 1. It turns out that CoveredCA’s website immediately cancelled my BS of CA plan, leaving me uninsured. WHA says that it is not possible to begin a plan in the middle of the month, so their coverage cannot start until Feb 1. After a few hours on the phone, CoveredCA was able to set things right for my plan (switching on Feb 1), but my wife (who had a different plan) is indeed technically uninsured at the moment. But CoveredCA claims it will be ok, as BS won’t find out hers was cancelled before they fix it. So if anyone needs to change plans, definitely do so by phoning, not by using the website.

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