While Federal or Cal-COBRA is the conservative choice (as discussed in Part I of this article), the negative aspects are “higher costs.” This is true because Federal COBRA administrators add 2% to the premium and Cal-COBRA administrators add 10%. If finding a low cost health plan is your priority, your 2nd action to keep affordable health coverage- CoveredCA should be requesting information from Covered California: [Small Employers should read about huge penalties beginning August 2015]
- Covered California provides access to most private health plans e.g. Kaiser Permanante, Anthem Blue Cross, Blue Shield of California, HealthNet EPO and PPO plans and some regional providers as well (although availability varies among each of California’s counties- check here for assistance): extra caution is advised, because you must complete and submit your application prior to the desired 1st of the month coverage start date to avoid a gap in coverage, and the 60 Day Limit also applies.
Warning: failure to enroll within the special event 60-day period will not only incur a possible IRS tax penalty, but will consequently lock you out of the U.S. health insurance market until the following open enrollment period i.e. January 1st! (This is a lessor known problem with the Affordable Care Act).
Need Temporary Health Insurance? CLICK TO QUOTE
Yet there are other reasons to skip CoveredCA and go directly to a private carrier. Read more about the 3rd of 3 Actions to keep affordable health coverage while looking for a job in Part III of this article.
Return to Part I of this article or proceed to Part III or request assistance now.
Health Net PPO Plans
Open Enrollment 2015
Health Net has shipped 90-day plan closure notices to Health Net PPO members (see related story about Anthem Blue Cross) in Covered California who are currently enrolled in PPO plans (Individual or Family PPO plans). These notices shipped October 2nd, as Health Net moves its PPO portfolio off-exchange. For the time-being, Health Net will not offer an individual or family Health Net PPO plan through Covered California.
What can you do to keep Health Net PPO plan coverage? Fortunately, you have options… If you wish to keep the same doctor and stay on a similar plan directly (i.e. off-exchange) with Health Net, CLICK HERE to request free assistance.
If you wish to talk with someone to get information about the remaining PPO plans at Covered California, CLICK HERE.
Caution should be observed if you purchased a plan during the last open enrollment: Effective after this Open Enrollment, Insurers are shifting doctor and hospital networks. Do not take chances with your policy. Before you renew, talk with one of our representatives for FREE.
See our related story about Covered California Open Enrollment Notices.
Remember, Open Enrollment begins November 15th: Changes are coming to certain PPO networks. If you did not use a Certified Agent last year, now is a good time to find one…they are a free service of Covered California and are here to help.