Benefit Agents provides instant access to the Covered California health insurance exchange. Whenever or wherever you decide to enroll under Covered CA, know that you will be receiving the same standard rate from all licensed brokers. There are no add-ons, no hidden fees – just quality healthcare .
We provide a simple and straight forward solution to get you insured under a Covered CA health insurance policy immediately. We specialize in presenting individuals, families, and groups a comparison of different options through Covered CA or the private medical carrier networks.
The Patient Protection and Affordable Care Act, sometimes referred to as “Obamacare” recognizes that most individuals that do not have health insurance are either not offered it through their jobs, cannot afford it, or are denied coverage from a pre-existing medical condition. Covered CA provides sliding scale financial help so that all Americans can receive essential health benefits at a fair price, where no one can be denied coverage.
If you do not qualify for Covered CA subsidies, you should still evaluate your options on the private marketplace. Everyone is legally required to have health insurance. Given the statewide increase in premiums to accommodate Covered CA subsidies, it’s your job to enroll in something that conforms to your income level and desired level of coverage. Let one of our agents assist your families needs and obtain the most cost effective combination of benefits.
Groups that do not meet regular participation and/or contribution guideline requirements are guaranteed approval during the annual special enrollment period from November 15th through December 15th. For all small businesses that did not have enough participating employee’s to qualify for a particular plan, or do not want to offer a minimum set contribution towards your employee’s healthcare: now is the time to enroll. Contact us for more details pertaining to insuring your group under the Affordable Care Act guidelines. Do not let this once a year opportunity pass you by without inquiring for further details, your business cannot be refused acceptance.
SeeChange Health Insurance has recently announced that they will be withdrawing from the California market effective January 1st, 2015. Regardless of the group’s renewal date, coverage with SeeChange Health Insurance will end at midnight Dec. 31st, 2014. All groups that are currently enrolled with SeeChange need to have a transition plan in place as soon as possible. We have already reached out to our current SeeChange client base and welcome any new clients in need of assistance to contact our team via phone or email.
Statistics show that 58% of individuals eligible for a health care subsidy enrolled in 2014, leaving the other 42% to enroll come November 15th. We expect there to be another hectic open enrollment, and recommend individuals to renew or enroll at their earliest convenience.
Covered CA individual renewals begin in October, and the new open enrollment period is from Nov. 15th through Feb. 15th, 2015. Overall, rates will go up an average of 4.2% statewide in comparison to 2014; however, subsidies should increase more than enough to compensate, which will leave a net result of lower premiums to the consumer. It still may be beneficial for individuals to shop rates with different carriers as each circumstance is different. As always, we are here to assist you to the fullest capacity, simply reach us via phone or email.
Some individuals can renew by simply continuing to make their premium payments, others may still need to provide individual proofs, such as income verification. In either case, we will be reaching out to all of our individual clients to keep them enrolled. If you are a new client. our team of agents welcomes you to take advantage of our services.