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Covered California Application

Posts related to the Covered California application, consumer account, estimating income, household size, monthly subsidies, health plans, Medi-Cal, and terminations.

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Covered California Streamlines Report A Change

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The steps for reporting a change in CalHEERS have been significantly reduced. It is no longer required to provide reason and event date information multiple times when reporting a change for your consumer like address change, income updates, etc. Currently, if a household reported a change, the user was prompted to enter the reason and date multiple times, and even when not warranted. This has been updated to only ask reason and date if a household member is to be removed from the application or the plan. If the member is a primary contact or primary tax filer or primary care giver, then an option will be provided to identify a current household member in the role.

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Covered California Budget Predicts Increased Revenue With Lower Enrollment

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The increased revenue is also in light of reducing health plan assessment from 4% of the gross premiums down to 3.75% for the individual and family plan market. The proposed operating budget for FY 2018-19 is $340.2 million. This represents a 6.55 increase over the FY 2017-18 budget or an increase of $20,686,242.

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Covered California Predicts 30% Rate Increases In 2019 Without Stabilization

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In their conclusion, Covered California notes that health plans have already begun their decision-making process for participation and rates for 2019. The decisions the health insurance companies make will be based on existing federal rules. If the rules and policies to stabilize the marketplace are not implemented in the next couple of months, consumers will most likely face premium increases of 12% to 32% in 2019.

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Trump CMS New Rules To Weaken Obamacare Health Plans

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Today, the Centers for Medicare & Medicaid Services (CMS) issued the HHS Notice of Benefit and Payment Parameters for 2019. The final rule will mitigate the harmful impacts of Obamacare and empower states to regulate their insurance market. The rule will do this by advancing the Administration’s goals to increase state flexibility, improve affordability, strengthen program integrity, empower consumers, promote stability, and reduce unnecessary regulatory burdens imposed by the Patient Protection and Affordable Care Act.

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Medi-Cal Backdoor To Covered California

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Because Peter did not have health insurance in the last 60 days, he technically doesn’t qualify to enroll in a health plan in California. But when Peter moves out to California, his job has not started and he has no monthly income, he is just living off of his savings until the job starts in early summer. Because Peter has no monthly income, he qualifies for MAGI Medi-Cal.

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Covered California Updates Medi-Cal Income Eligibility Levels

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2018 FPL guidelines are updated for Medi-Cal determinations only and will not affect eligibility for Covered California consumers. The Covered California 2017 levels are used for the 2018 benefit year.

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Covered California Can’t See Your Tax Return

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While it may seem like Covered California is big brother looking over your shoulder or studying your tax return in a darken closet with the flash light, they aren’t. They are able to let their computer software check discreet pieces of data that relate to your eligibility for health insurance and any premium tax credit. But no one Covered California is making any decisions on eligibility or tax credits for the past, present, or future, based on reviewing your tax return. They just don’t have access to it.

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Covered California Verification Document Upload Secret Page

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Once the document has been uploaded it will show up in the Documents & Correspondence table. You then want to go to the Action column, click on the drop down menu Select One, and select Submit as Verification Document. This will bring up a popup window (make sure you’re the popup blocker of your web browser is disabled) where you can select the household member, the document category, and the type of document being uploaded. Then click Submit.

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2018 Medi-Cal Monthly Income Eligibility Chart

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For a single adult applying through Covered California, the monthly income must be greater than 138% of the Federal Poverty Level ($1,397 monthly, $16,754 annually) in order to qualify for private health insurance with the premium tax credit subsidy. If the individual or household is below 138% of the FPL, they will be deemed eligible for Medi-Cal.

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Covered California Predicts 30% Rate Increases Without Federal Stabilization

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A glaring deficiency in the report is the failure to attribute any decline in enrollments, either on the federal level or at Covered California, to an improving economy. Unemployment is at record low percentages and more people are working for employers who offer group health plans. Covered California’s own small group plans have seen increased enrollment since its inception in 2014 and their budget report estimates continued enrollment growth.

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