HomeLatest ThreadsGreatest ThreadsForums & GroupsMy SubscriptionsMy Posts
DU Home » Latest Threads » Forums & Groups » Places » U.S. » California (Group) » coveredca.com - Just went...
Introducing Discussionist: A new forum by the creators of DU

Fri Sep 27, 2013, 03:05 PM

coveredca.com - Just went there to do the ACA worksheet.

It's a great site and really easy to access. I was able to see what policies are available to me, the costs and the coverage.

I was also able to fill out a contact form and the way I want to be contacted (email).

Be aware that the official website is coveredca.com and NOT coveredcalifornia.com.

If you haven't done so already, check it out.

Very, very pleased with the site, the offered policies and the prices.

25 replies, 2609 views

Reply to this thread

Back to top Alert abuse

Always highlight: 10 newest replies | Replies posted after I mark a forum
Replies to this discussion thread
Arrow 25 replies Author Time Post
Reply coveredca.com - Just went there to do the ACA worksheet. (Original post)
cbayer Sep 2013 OP
NYC_SKP Sep 2013 #1
cbayer Sep 2013 #2
NYC_SKP Oct 2013 #17
cbayer Oct 2013 #18
NYC_SKP Oct 2013 #19
pinto Oct 2013 #20
NYC_SKP Oct 2013 #21
pinto Oct 2013 #22
NYC_SKP Nov 2013 #24
pinto Nov 2013 #25
cbayer Oct 2013 #23
Tumbulu Sep 2013 #3
cbayer Sep 2013 #4
SHRED Oct 2013 #15
Tumbulu Oct 2013 #16
PasadenaTrudy Sep 2013 #5
cbayer Sep 2013 #6
PasadenaTrudy Sep 2013 #8
cbayer Sep 2013 #9
PasadenaTrudy Sep 2013 #10
cbayer Sep 2013 #11
PasadenaTrudy Sep 2013 #14
savalez Sep 2013 #7
antiquie Sep 2013 #12
savalez Sep 2013 #13

Response to cbayer (Original post)

Fri Sep 27, 2013, 03:28 PM

1. I'll get a Gold plan for less than 1/2 my current COBRA

Similar benefits and copays.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to NYC_SKP (Reply #1)

Fri Sep 27, 2013, 03:32 PM

2. I'm going with the Silver I think.

It will cost me less than a third of what I was quoted last year when I was looking at buying something independently.

Very happy, but will continue to tread cautiously between now and the first of the year.

Just my luck - something catastrophic will happen on December 31!!

Reply to this post

Back to top Alert abuse Link here Permalink


Response to cbayer (Reply #2)

Mon Oct 14, 2013, 08:31 PM

17. Do you have any idea if we can drop COBRA before January???

Or am I stuck with 1429/month because it's available?

Reply to this post

Back to top Alert abuse Link here Permalink


Response to NYC_SKP (Reply #17)

Mon Oct 14, 2013, 08:42 PM

18. I think you have the option to drop COBRA anytime you want.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to cbayer (Reply #18)

Mon Oct 14, 2013, 08:51 PM

19. The reason I ask is... I want to get an ACA plan at the end of the month and not wait.

...and, as I understand it, we can't get ACA before January 1 if we already have access to a plan, an "affordable" plan, and my COBRA is a guaranteed available to me plan for another year or better, but it costs a lot!

I'm probably going to have to call them to find out for certain.

Also, the page that lists Bronze Silver Gold Platinum plans in four columns with a price at the bottom of each columns...

Those prices go away when I reveal the four companies offering each level of the plan.

In the case of Gold, for example, the four-column page reads $605, but the four plans offered run from $654 to $693.

For Platinum, the $693 on the four column page becomes four plans that cost $759 - $993.

I don't understand that part.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to NYC_SKP (Reply #19)

Mon Oct 14, 2013, 09:30 PM

20. No ACA plan is effective until Jan. 1, regardless of current coverage. Dec. 15 is the filing date.

So you have some time to look at options. If you go for an ACA option you can cancel your COBRA as of 1/1/14. That's my understanding of the process. As always, good to get some verification from your COBRA, ACA administrators. I've found in the past that asking for clarification can work.

Are you accessing the CA website or the federal website?

Reply to this post

Back to top Alert abuse Link here Permalink


Response to pinto (Reply #20)

Mon Oct 14, 2013, 09:38 PM

21. Using CoveredCa. It was lagging and then started working better.

I was under the impression that some folks without coverage could begin coverage sooner.

Thanks!

Reply to this post

Back to top Alert abuse Link here Permalink


Response to NYC_SKP (Reply #21)

Mon Oct 14, 2013, 09:42 PM

22. I don't think anything's available 'till 1/1. Save for expanded Medi-Cal access. Not sure on that.

Hang in there!

Reply to this post

Back to top Alert abuse Link here Permalink


Response to pinto (Reply #22)

Fri Nov 22, 2013, 01:30 PM

24. Just got it, over the phone, thanks to a man named Osama.

You have to love that.

I was ready to pull the trigger on a $654 gold plan but he suggested we look at the $544 silver plan with identical annual out-of-pocket costs and only slightly different co-pays.

Math for my monthly savings:

$1,432.49 - $544.41 = $888.08

Color me delighted!

Coverage set to begin 1/1, as you said.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to NYC_SKP (Reply #24)

Fri Nov 22, 2013, 01:34 PM

25. Congrats!

Glad you found a plan and a rep that works for you.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to NYC_SKP (Reply #19)

Tue Oct 15, 2013, 12:12 PM

23. I haven't had any problems like the ones you describe.

The calculator is giving you estimates.

I had checked the box asking that someone get in touch with me to actually enroll, but no one has so far.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to cbayer (Original post)

Sat Sep 28, 2013, 02:51 AM

3. I cannot figure out how to deal with the income

is it last year's or estimate of next years? And if it is last year, they tell me to look on my tax return after the medical insurance deduction, which lowers my income into the medical range. But I have my own farm/business and used to not be eligible for medical because of the farm assets. Any ideas of how to deal with the income when one has wildly fluxuating income year to year?

Reply to this post

Back to top Alert abuse Link here Permalink


Response to Tumbulu (Reply #3)

Sat Sep 28, 2013, 10:46 AM

4. I heard a story on this and I think there is a formula that lead to a "guestimate"

and then the subsidy you receive will be based on actual income.

For the calculator, I would use what you think it will be next year.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to Tumbulu (Reply #3)

Tue Oct 1, 2013, 08:15 AM

15. It's based on current income


Meaning you can readjust if it changes.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to SHRED (Reply #15)

Tue Oct 1, 2013, 02:53 PM

16. Those of us who are self employed

often have fluctuating income. If I use my 2012 return, I get medical. If I estimate this year's I would get subsidies. I really am confused about this. I called and spoke with someone who really did not uderstand the nuances of the tax returns either. As a small business I get to depreciate assets on my farm, take my current healthcare expenses off the taxable income. If I remove those things I would get subsidized. If I do not, then I am in the medicare range.

It is really unfortunate. I am not the only self employed farmer in the stat, I am sure!

Reply to this post

Back to top Alert abuse Link here Permalink


Response to cbayer (Original post)

Sun Sep 29, 2013, 05:43 PM

5. If I go with one of the ACA plans...

my monthly premium will be much more. By hundreds of dollars. Not sure what to do at this point. I'll wait and see. I want to make sure the hospital i'm closest to is covered by the plans offered.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to PasadenaTrudy (Reply #5)

Sun Sep 29, 2013, 06:02 PM

6. I would assume, then, that your employer is picking up a chunk of your premium

right now.

Is that right?

Reply to this post

Back to top Alert abuse Link here Permalink


Response to cbayer (Reply #6)

Mon Sep 30, 2013, 10:47 AM

8. No

I pay for my ins. all myself.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to PasadenaTrudy (Reply #8)

Mon Sep 30, 2013, 11:13 AM

9. Are you going to be able to keep your present policy or do you have to switch to one of the

exchange plans.

It's hard to understand how your premiums would rise.

The premiums that I am offered at the site are about 1/3 of what they were when I shopped for insurance prior to the exchange.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to cbayer (Reply #9)

Mon Sep 30, 2013, 01:24 PM

10. How old are you?

I turn 50 in Jan. so price going up no matter what. If I go with the exchange plans, I'll need Gold or Platinum as my health is not great and i'm on several meds.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to PasadenaTrudy (Reply #10)

Mon Sep 30, 2013, 01:30 PM

11. I am 58 and have been without any kind of insurance for about 8 years.

The gold and platinum plans are significantly more expensive. When I looked at my options, the out-of-pocket caps made the Silver plan a decent deal for me.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to cbayer (Reply #11)

Mon Sep 30, 2013, 05:57 PM

14. My boyfriend

has been without ins. for ages. I'm so glad he can finally get covered! I think he will go with the Silver plan as well.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to cbayer (Original post)

Sun Sep 29, 2013, 06:36 PM

7. I checked it out and it's great.

I liked seeing the new companies offering health insurance instead of just the usual two blue ones.

Looks like we will save money next year.

Here's the link: http://www.coveredca.com/

Thanks cbayer.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to savalez (Reply #7)

Mon Sep 30, 2013, 01:41 PM

12. How do know where their doctors are?

I am beyond thrilled. Price and products are not the only question for me. I need doctors in my part of the county. Do you know how to determine that? I think I'm missing it.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to antiquie (Reply #12)

Mon Sep 30, 2013, 01:54 PM

13. For the Blue Insurance companies -

Blue Shield and Blue Cross - after you become a member you will be able to log into their websites and do a Doctor search from there. I assume the new Insurance companies will be similar. If you qualify for Medical (Free) you can go to that website, walk in to a local office or call them directly.

Reply to this post

Back to top Alert abuse Link here Permalink

Reply to this thread