The Grace period under Health Care Reform is:
Grace period for recipients of advance payments of the premium tax credit.
An Insurance Company - (QHP Qualified Health Plan issuer) must provide a grace period of three consecutive months if an enrollee receiving subsidies - (APTC advance payments of the premium tax credit) has previously paid at least one full month's premium during the benefit year. Health Care.Gov * 45 CFR 156.270 (d
Full payment is required to keep coverage in force
If any of your clients find themselves in a grace period situation, make sure they understand that making partial payments on the debt will not serve to extend the coverage period, stretch out the grace period or delay cancellation. After they’re notified about premiums overdue, they must pay the full amount owed before their grace period ends to avoid losing their coverage. Insurance Company memo
Some payment plans - options are more liberal due to the Coronavirus pandemic. Click on the prior link for more information for all companies in CA.
• Pay Online – Clients can go to anthem.com/ca, log into their account and click on the Pay My Bill Online link
• Pay By Mail – Clients can mail their invoice with payment. They must mail in time for us to get it on or before the last day of the grace period.
• Pay By Phone – Clients can call the number on the back of their member ID card to use our free Auto Pay Phone Service. Or, they can call Member Services at (855) 634-3381 to pay by credit card or check.
Consequences of cancellation
Once a member is terminated for non-payment, they cannot be reinstated.
In the past, as an agent, we would get late notices, now we don’t or rarely do. So, read up, email us and let’s see what we can do to keep coverage in force for when you need it and avoid tax penalties, bankruptcy or not getting the medical treatment you need – 10 essential benefits.
Clients need to know that cancellation for not paying premiums can have serious consequences. Here’s what happens if they lose their coverage:
• They will still owe unpaid premiums for the first month of their grace period
• They will still owe providers for any health care services they got during the second and third months of the grace period
Cancellation for Non-Pay – won’t be a qualifying event either!!!
If you own a business – a group plan.
Are you having a bad month? Low income this or the next few months? Try Medi-Cal. They use monthly income and annual income, whichever is lower! Medi-Cal will give you coverage that meets all 10 essential benefits, plus CA mandated benefits! If your income goes back up, that gives you a special enrollment period back into Covered CA where we can be your agent, no extra charge, Covered CA pays us to help you or direct with an Insurance Company, get a quote.
Try qualifying for Minimum – Catastrophic coverage?
Guaranteed Issue - No Pre X Clause
Quote & Subsidy Calculation
Missed Open Enrollment?
See our Special Enrollment page
No charge for our complementary services
How to use our FREE Quote Engine, Subsidy Calculator and get the MOST from the experience.
When you get a FREE quote, you can also see the benefits, view actual brochures, MD and Hospital Lists all ONE easy process with no obligation & it can be anonymous. Enter your zip code, date of birth, family - household taxation relationships (MAGI - Definition), Estimated MAGI - Modified Adjusted Gross Income for the upcoming - current year. Last years tax return only gives an idea so that Covered CA can approve your advance tax credit to help pay premiums.
This website and are individual consultation are provided to you FREE of Charge! We are paid by Covered CA and/or the Insurance Companies to help you. When you fill out the Covered CA ONLINE Application, just appoint us as your agent under Find Help in the Upper Right Hand Corner so that we get paid for helping you. Click here for screen shots for more detail of how to do it. If you prefer, you can pay us a consultation fee in lieu of appointing us as your agent, for educational services only.
You can then see all the quotes on the exchange, showing the Cost Share Reduction - Enhanced Silver if available, subsidy - tax credit amount and your net premium. If you click "Off Exchange" you will see more plans and companies which may have larger provider lists. Scroll down for more screen shots.
Then click on "View Plan Details" - "View Doctor's & Providers" - to compare and get more information. Please note that the quote engine does not show enhanced silver, but shows silver at 70%. Check our chart for the better silver coverage.
Learn more about the right to change plans when Silver Level Enhanced Changes
To apply, click on apply now or use the links in the right hand column, ON THIS PAGE, but it will have you redo the quote for that specific company. The price is the SAME, no matter if you use us, go direct to Covered CA or the Insurance Company, as mandated by law! If applying through Covered CA, be sure to sign the form to appoint us as your agent. It's not all the easy to figure out how to do it on their website.
If you have any questions email [email protected] or call us 310.519.1335
Related, Child Pages & Site Map
- Automatic Premium Payments – Benefits and Advantages
- Grace Periods – How long? Premiums Due? Subsidy Pay Back?
- Pay ALL premiums – even if you lose subsidy
- Paying Back Premiums to get reinstated?
- Was the cancellation legal? Web Visitor Q & A