Kevin Knauss: Health, History, Travel, Insurance
Posts related to the Covered California application, consumer account, estimating income, household size, monthly subsidies, health plans, Medi-Cal, and terminations.
For many individuals, families and their children that were award a Medi-Cal health plan based on their estimated Modified Adjusted Gross Income reported through the Covered California application, it can be a daunting task to report a change of income to Medi-Cal. As we have all learned, once Covered California hands of the enrollment to […]
Of the nearly 3 million Californian’s enrolled in Medi-Cal, Covered California estimates that approximately 2 million became newly eligible under the ACA expanded Medi-Cal rules. Many of the new Medi-Cal members are working families and individuals. They have little time to sit on hold with their local county social services department to correct Medi-Cal errors […]
In California there are essentially five different paths to getting health insurance. Each of the different options have varying conditions and restrictions. Below is a summary of the five paths to California health insurance. There is also a short video you can watch titled California Paths to Health Insurance which also explains the five different […]
Covered California has made great strides in reducing consumer telephone wait times and assisting individuals and families with health plan enrollments. What has bubbled to the surface is the failure of the Help Desk to resolve consumer enrollment problems ostensibly created by Covered California’s CalHEERS software. While there is no published data on the length […]
Hidden within every health plan sold through Covered California is a fee to fund their operation. This per member per month (pmpm) fee applies to both individual and family plans, small group plans sold through the exchange and adult dental plans if they are ever offered. These fees, paid by the health plans and insurance […]
A year and half after the launch of Covered California the CalHEERS enrollment website is still a work in progress. Covered California released more instructional briefs on changes they’ve made to the California Health Enrollment Eligibility Retention System (CalHEERS) website. Just when Certified Insurance Agents thought they had figured out how to navigate CalHEERS, new […]
Consumers who have purchased their health insurance through Covered California are always being admonished to report any changes to their income to keep their tax credits in sync with their estimated Modified Adjusted gross Income. The latest spring 2015 iteration of reporting a change to a consumer’s income under the Special Enrollment Period section can […]
Many parents are surprised to learn that their children are placed in Medi-Cal after completing the Covered California health insurance application. Medi-Cal eligibility is determined by the monthly household income, not the annual Modified Adjusted Gross Income. If the monthly household income is below 266% of the federal poverty level (FPL), but above 138% of […]
Families who purchased health insurance and pediatric dental through Covered California are getting a corrected 1095-A Marketplace statement because Covered California forgot to add the pediatric dental insurance premiums on the initial 1095-A. For families who have already filed their taxes with the incorrect information and subsequently received a corrected 1095-A, they may have to […]
The Treasury Department has decided to expand their February 24 announcement waiving collection of under reported health insurance tax credits to states that are running their own Marketplace exchanges. Tax payers who already filed their tax returns using incorrect 1095-As issued by Covered California will not be subject to the collection of excess Advance Premium […]
