When I looked at the submitted application – there it was – I had to have selected the permanently moved to California QLE which is below loss of coverage. The permanent move to California QLE triggers the standard effective date of the 1st of the following month, in this case August 1st. So the family really did not have insurance for July!
When a union goes on strike it can be difficult for union members and those trade members associated with the union to keep paying their health insurance premiums with either reduced or no income. There are options to maintaining health insurance if you know the rules of the health insurance game. These rules revolve around Special Enrollment Periods with the qualifying event of loss of coverage.
Covered California has come under pointed criticism from the health insurance companies for their lack of verification of a consumer’s Qualifying Life Event (QLE) for a Special Enrollment Period (SEP). That will change as of August 1, 2016, when Covered California will start a program to randomly sample consumers who have enrolled in health plan outside of Open Enrollment under a QLE. Selected consumers will have to provide verification that they actually do have a QLE that makes them eligible to enroll outside of Open Enrollment such moving into California or the loss of minimum essential coverage like Medi-Cal or employer group coverage.
Covered California and the IRS have been encouraging individuals and families that have purchased health insurance through the state or federal exchange to update their household income whenever there is a change. The simple act of reporting this change of income through Covered California is considered a qualifying event for a Special Enrollment Period. Once […]
The Covered California CalHEERS online enrollment system continues to be upgraded to fix problems and accommodate household changes, but Certified Insurance Agents (CIA) are rarely notified of the updates. As CIAs helped enroll 40% of Covered California’s households and continue to update their clients changes through the system, agents deserve to be provided regular updates […]
Covered California announced on May 15, 2014 that they will follow the HHS guidance and offer a Special Enrollment Period (SEP) for individuals and families currently on a COBRA health plan. However, people should be cautious before they leave their COBRA plan and jump into a Covered California plan for many reasons.