Kevin Knauss: Health, History, Travel, Insurance
Posts on the development and implementation of the California health insurance market place, application, account, enrollment, termination.
While a significant number of California residents have successfully applied, the Covered California website and enrollment systems presented significant challenges and failures not only for those applying but also insurance agents, enrollment Counselors and the health plans themselves. The management at Covered California has consistently ignored the failure of their design and process and sought only to promote their perceived successes.
If you missed completing your application online December 23rd because of the Covered California melt down you now have another opportunity to enroll. But instead of calling Covered California or faxing over your application you’ll have to find a Certified Insurance to enter you application into the CalHEERS program online for you. Insurance agents never charge clients for their services. They are always paid by the insurance company or health plan by either a one-time payment, fixed monthly monthly or a commission percentage.
With the CalHEERS enrollment website swamped with users as of December 23, 2013, users may have pages that time out or generate a system error. When this happens, refreshing the page, reloading the page or using the back browser buttons can be of no use. The only option is to close the page and re-open the website by typing www.coveredca.com. You might be surprised, as I was, to learn that you are automatically returned to your application with out having to enter a user name or pass word.
The Covered California CalHEERS online application and enrollment system is creating date of birth errors in the SubmittedApplicationPDF.pdf file. The month and the day are being switched. It is unknown if this is a simple reporting error or if the data is actually being submitted wrong to the carriers causing delays.
Covered California has finally admitted that their system has not been properly attributing agent designation by Certified Agent clients to insure the agent is listed as the Broker of Record with the insurance company for compensation. At the same time, the Covered California health plans continue to stonewall agents wanting to get appointed with them and one health plan is demanding agents work for free.
If you missed enrolling your children in one of the Covered California pediatric dental plans, you’re not alone. The stand alone children’s dental plans are one of the best kept secrets of the Covered California enrollment website. While I think I know how to get the selection to pop-up, it is as stupid and mysterious as the whole stand alone program to begin with.
The Affordable Care Act is failing families on two major issues that need immediate resolution. The employer sponsored health insurance regulation has left many spouses without affordable coverage and household income limits are placing children in Medicaid programs. Together, these two ACA regulations are unfairly fracturing the health insurance coverage for many families and need immediate changes.
I was dumbstruck when the mother of one family whose household income is $134,000 per year was quizzing me on they could avoid the penalty associated with the individual mandate. She was hoping that I could figure out how to make their income low enough so the insurance premiums were more than 8% which triggers an exemption. The parents of this upper income family were seriously considering not providing health insurance to their children. That is just so irresponsible.
I will happily attend any public enrollment event and assist anyone applying either for Medi-Cal or a health plan with or without premium assistance. However, hence forth, I will not attend any event where Certified Agents are allowed to discriminate against people based on their income and Medi-Cal eligibility. Further, if anyone is refused assistance from an agent because they might be Medi-Cal, please do us all a favor and report that agent to Covered California. Income discrimination practiced by Certified Agents needs to stop.
Johnny snapped a picture of his driver’s license on his knee while driving his VW micro bus through Weed on I-5 traveling to a gig in Ashland, Oregon. Johnny then emailed the picture of “verification document” for me to upload to his online application for health insurance.
