Enrollment begins for individuals and families on October 1, 2013 and open enrollment will go through March 31, 2014. You must enroll by December 15, 2013 for a January 1, 2014 effective date.
If you enroll onto the Exchange during this open enrollment, the plans will be guaranteed issue – meaning you cannot be denied or rated up for any pre-existing conditions or medications you may be taking. If you want until after March 31, 2014, all plans will be subject to medical underwriting and you can be denied. If you are denied, you must wait until open enrollment at the end of 2014 to enroll on the plans for 2015.
All of our staff at Schulte Insurance Agency has been certified with Covered California. We can help you just as we do now with your private market policies. The benefits of using us instead of going directly to the California Exchange are as follows:
- Our office staff has years of experience in the health insurance market so we know insurance plans inside and out along how to navigate the insurance system.
- The people who will help enroll with the California Exchange are only required to go through a short certification course. Most will not have the experience we have.
- It does not cost you anything extra to use us – the cost of using Schulte Insurance is exactly the same as going to the Exchange directly. The insurance companies pay us a commission for helping you.
- After your plan is enrolled, we will be here daily for any policy issues you may have – this includes claims, billing, policy questions, etc. You can talk to our same staff members instead of a different customer service agent every time.