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Westminster

13751 Beach Blvd., Westminster, CA 92683

Westminster - Front.jpg

Looking for a Covered California enrollment center convenient to your home or your daily commute?

Visit the Covered California enrollment center at 13751 Beach Blvd., Westminster, CA 92683 for Covered California and other healthcare services. 

Hours of Operation

Monday

Tuesday

Wednesday

Thursday

Friday

Saturday

Sunday

9:00 AM - 5:30 PM
9:00 AM - 5:30 PM​
9:00 AM - 5:30 PM​
9:00 AM - 5:30 PM
9:00 AM - 5:30 PM
CLOSED
CLOSED

This office is open for walk-ins. We ask that you wear a face covering and practice social distancing while in our retail locations. If you have COVID-19 symptoms, please call us over the phone for questions and assistance. For more information, click here. If you have questions about enrollment or regarding your application, please call us instead at (800) 650-0922.

How it Works

Applying is easy — and free. With hundreds of enrollment centers and thousands of certified enrollers statewide, you have many convenient options when it comes to getting assistance.

Call us at (800) 650-0922 or make an appointment to get free help signing up for a plan.

Documents You'll Need

Social Security numbers for applicants who have them.

Immigration documents for non-citizens, such as an “A” number, USCIS number or arrival/departure document number.

Undocumented family members are not eligible for Covered California coverage but may qualify for other programs.

Employer and income information for everyone in your family. Examples include pay stubs or proof of unemployment benefits and your employer’s address.

Federal tax information of the person who files taxes as the head of household and any dependents claimed on that person’s taxes.

If you don’t file taxes, you may still qualify for free or low-cost insurance through Medi-Cal.

Visiting our Locations? Expect...

Increased cleanliness

Plexiglass shields at all desks

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Reminders for social distancing

Masks for all team members

Reminder

 if you're not feeling well or showing symptoms of COVID-19, you should stay home and seek medical attention. If you have questions about enrollment or regarding your application, please call us instead at (800) 650-0922.

Frequently Asked Questions

We believe it is our role and responsibility during this time to prioritize two things: the health and well-being of our customers and team members while supporting local health officials and government leaders as they work to contain the virus.

  • I am no longer eligible for Medi-Cal, what should I do?"
    If you get a Medi-Cal Notice of Action telling you that you or a member of your household no longer qualifies for Medi-Cal due to changes in income or your household, you may enroll in a health plan through Covered California, but you must act fast. You only have 60 days from the date listed in the Medi-Cal Notice of Action to enroll in Covered California under special enrollment. To avoid a gap in your health coverage, let us help you select a new plan before your Medi-Cal coverage ends. We can also tell you if you qualify for financial help to lower your costs. Call (800) 650-0922 to speak to one of our certified insurance agents.
  • How can I apply for Medi-Cal?
    You can give us a call at (800) 650-0922. We will let you know if you qualify for coverage through Covered California or Medi-Cal.
  • Who is eligible for Medi-Cal?
    Medi-Cal covers low-income adults, families with children, seniors, persons with disabilities, pregnant women, children in foster care and former foster youth up to age 26.
  • What is the difference between Covered California and Medi-Cal?
    Medi-Cal offers low-cost or free health coverage to eligible Californian residents with limited income. Covered California is the state’s health insurance marketplace where Californians can shop for health plans and access financial assistance if they qualify for it. Health plans available through Medi-Cal and Covered California both offer a similar set of important benefits, called essential health benefits.
  • Can I enroll in a healthcare plan over-the-phone?
    Yes, we are open to help you over the phone. Call us today at (800) 650-0922.
  • What services do you provide?
    For more information on what services we provide in-person and over-the-phone, click here.
  • What language support do you offer?
    We offer in-person and over-the-phone assistance in multiple languages. English Se habla español (Spanish) Nói tiếng Việt (Vietnamese) 한국어 가능합니다 (Korean) हिन्दी (Hindi)
  • Does your business practice sustainability?
    We integrate sustainable practices across our business with an eye on using resources responsibly and doing our part to help maintain healthy, vibrant communities around our locations. To learn more, visit here.
  • Are your locations one of the Covered California storefronts?
    Yes! Our locations are part of the Covered California Storefront Program. The program was designed to increase the visibility of free, local and confidential in-person enrollment assistance for consumers.
  • What is a copayment?
    The fixed amount you pay for specific health care services (visiting your doctor, refilling your prescriptions)
  • What is the out-of-pocket max?
    The most you will pay during your coverage period (typically 12 months)
  • What is coinsurance?
    The percentage you have to pay for medical bills after you hit your deductible and before you reach your out-of-pocket max
  • What is a deductible?
    The amount you’re required to pay before your insurance starts helping you cover the cost
  • When can I enroll?
    If you are enrolled in Medicare Part A and B you can enroll in Part D during your Initial Enrollment Period: The seven-month period that includes the three months before your 65th birthday, the month you turn 65, and the three months after your birthday.
  • What does Part D cover?
    Prescription drugs are covered at different rates depending on what tier they fall under: Tier 1: Generic drugs
 Tier 2: Preferred brand-name drugs
 Tier 3: Non-preferred brand-name drugs
 Tier 4: High-cost drugs For example, your plan may cover 80% for “generic drugs” and 20% for “preferred brand name drugs."
  • How does COVID-19 spread?
    People can catch COVID-19 from others who have the virus. The disease can spread from person to person through small droplets from the nose or mouth which are spread when a person with COVID-19 coughs or exhales. These droplets land on objects and surfaces around the person. Other people then catch COVID-19 by touching these objects or surfaces, then touching their eyes, nose or mouth. People can also catch COVID-19 if they breathe in droplets from a person with COVID-19 who coughs out or exhales droplets. This is why it is important to stay more than 1 meter (3 feet) away from a person who is sick. WHO is assessing ongoing research on the ways COVID-19 is spread and will continue to share updated findings.
  • Who is at risk of developing sever illness?
    While we are still learning about how COVID-2019 affects people, older persons and persons with pre-existing medical conditions (such as high blood pressure, heart disease, lung disease, cancer or diabetes) appear to develop serious illness more often than others.
  • Is COVID-19 airborne?
    The virus that causes COVID-19 is mainly transmitted through droplets generated when an infected person coughs, sneezes, or speaks. These droplets are too heavy to hang in the air. They quickly fall on floors or surfaces. You can be infected by breathing in the virus if you are within 1 metre of a person who has COVID-19, or by touching a contaminated surface and then touching your eyes, nose or mouth before washing your hands.
  • How likely am I to catch COVID-19?
    The risk depends on where you are - and more specifically, whether there is a COVID-19 outbreak unfolding there. For most people in most locations the risk of catching COVID-19 is still low. However, there are now places around the world (cities or areas) where the disease is spreading. For people living in, or visiting, these areas the risk of catching COVID-19 is higher. Governments and health authorities are taking vigorous action every time a new case of COVID-19 is identified. Be sure to comply with any local restrictions on travel, movement or large gatherings. Cooperating with disease control efforts will reduce your risk of catching or spreading COVID-19. COVID-19 outbreaks can be contained and transmission stopped, as has been shown in China and some other countries. Unfortunately, new outbreaks can emerge rapidly. It’s important to be aware of the situation where you are or intend to go. WHO publishes daily updates on the COVID-19 situation worldwide.
  • Should I worry about COVID-19?
    Illness due to COVID-19 infection is generally mild, especially for children and young adults. However, it can cause serious illness: about 1 in every 5 people who catch it need hospital care. It is therefore quite normal for people to worry about how the COVID-19 outbreak will affect them and their loved ones. We can channel our concerns into actions to protect ourselves, our loved ones and our communities. First and foremost among these actions is regular and thorough hand-washing and good respiratory hygiene. Secondly, keep informed and follow the advice of the local health authorities including any restrictions put in place on travel, movement and gatherings.
  • Are antibiotics effective in preventing or treating the COVID-19?
    No. Antibiotics do not work against viruses, they only work on bacterial infections. COVID-19 is caused by a virus, so antibiotics do not work. Antibiotics should not be used as a means of prevention or treatment of COVID-19. They should only be used as directed by a physician to treat a bacterial infection.
  • What can I do to protect myself and prevent the spread of disease?
    Stay aware of the latest information on the COVID-19 outbreak, available on the WHO website and through your national and local public health authority. Many countries around the world have seen cases of COVID-19 and several have seen outbreaks. Authorities in China and some other countries have succeeded in slowing or stopping their outbreaks. However, the situation is unpredictable so check regularly for the latest news. You can reduce your chances of being infected or spreading COVID-19 by taking some simple precautions. To view, click here.
  • What is a coronavirus?
    Coronaviruses are a large family of viruses which may cause illness in animals or humans. In humans, several coronaviruses are known to cause respiratory infections ranging from the common cold to more severe diseases such as Middle East Respiratory Syndrome (MERS) and Severe Acute Respiratory Syndrome (SARS). The most recently discovered coronavirus causes coronavirus disease COVID-19.
  • Is there a vaccine, drug, or treatment for COVID-19?"
    Not yet. To date, there is no vaccine and no specific antiviral medicine to prevent or treat COVID-2019. However, those affected should receive care to relieve symptoms. People with serious illness should be hospitalized. Most patients recover thanks to supportive care. Possible vaccines and some specific drug treatments are under investigation. They are being tested through clinical trials. WHO is coordinating efforts to develop vaccines and medicines to prevent and treat COVID-19. The most effective ways to protect yourself and others against COVID-19 are to frequently clean your hands, cover your cough with the bend of elbow or tissue, and maintain a distance of at least 6 feet from people who are coughing or sneezing.
  • What is COVID-19?
    COVID-19 is the infectious disease caused by the most recently discovered coronavirus. This new virus and disease were unknown before the outbreak began in Wuhan, China, in December 2019.
  • How long is the incubation period for COVID-19?
    The “incubation period” means the time between catching the virus and beginning to have symptoms of the disease. Most estimates of the incubation period for COVID-19 range from 1-14 days, most commonly around five days. These estimates will be updated as more data become available.
  • Are there any medicines or therapies that can prevent or cure COVID-19?
    While some western, traditional or home remedies may provide comfort and alleviate symptoms of COVID-19, there is no evidence that current medicine can prevent or cure the disease. WHO does not recommend self-medication with any medicines, including antibiotics, as a prevention or cure for COVID-19. However, there are several ongoing clinical trials that include both western and traditional medicines. WHO will continue to provide updated information as soon as clinical findings are available.
  • Is it safe to receive a package from any area where COVID-19 has been reported?
    Yes. The likelihood of an infected person contaminating commercial goods is low and the risk of catching the virus that causes COVID-19 from a package that has been moved, travelled, and exposed to different conditions and temperature is also low.
  • How long does the virus survive on surfaces?
    It is not certain how long the virus that causes COVID-19 survives on surfaces, but it seems to behave like other coronaviruses. Studies suggest that coronaviruses (including preliminary information on the COVID-19 virus) may persist on surfaces for a few hours or up to several days. This may vary under different conditions (e.g. type of surface, temperature or humidity of the environment). If you think a surface may be infected, clean it with simple disinfectant to kill the virus and protect yourself and others. Clean your hands with an alcohol-based hand rub or wash them with soap and water. Avoid touching your eyes, mouth, or nose.
  • What are the symptoms of COVID-19?
    The most common symptoms of COVID-19 are fever, tiredness, and dry cough. Some patients may have aches and pains, nasal congestion, runny nose, sore throat or diarrhea. These symptoms are usually mild and begin gradually. Some people become infected but don’t develop any symptoms and don't feel unwell. Most people (about 80%) recover from the disease without needing special treatment. Around 1 out of every 6 people who gets COVID-19 becomes seriously ill and develops difficulty breathing. Older people, and those with underlying medical problems like high blood pressure, heart problems or diabetes, are more likely to develop serious illness. People with fever, cough and difficulty breathing should seek medical attention.
  • Will I get a membership ID card?
    If you are newly enrolled in a health insurance plan through Covered California, you will receive a membership ID card from your health insurance company after it receives your first payment. Learn more about what to expect on the Using Your Plan page. If you change coverage, such as metal tiers or health insurance companies, your health insurance company will send you a new welcome packet and health insurance card after receiving payment.
  • I received a Form 1095-A from Covered California. What is Form 1095-A?
    Form 1095-A is a document you will need when you prepare your taxes. Click here to learn more about it.
  • How do I apply?
    If you need a health plan in California, you can receive help from our certified insurance agents in person or over the phone at (800) 650-0922. Before you do, make sure to have the following information handy for every member of your household you’d like covered: Full name, as it appears on your Social Security card Birth date Social Security number (SSN) Residential address Telephone number Email for primary applicant If you’re a naturalized citizen: The number from your certificate of citizenship/naturalization (located at the upper right-hand corner) and your alien number (located just below, beginning with an “A”) If you’re not a citizen but have a visa/green card/foreign passport: Your alien/USCIS number and I-94/visa/green card/passport number Tax and income information How you file your taxes (i.e., as an individual, family, etc.) All employer names and addresses The projected income earned by each household member who has a job (if you’re self-employed, you’ll need to provide your average monthly income) Social Security and unemployment income Any other additional income, like interest, IRA, alimony, etc. Any deductions on your tax returns
  • Does Covered California offer health coverage for small businesses?
    Yes. Visit the Covered California for Small Business section of our website to learn about the benefits for small businesses and their employees.
  • Can I get financial assistance with Covered California?
    When you sign up on the Covered California health insurance marketplace, you’ll find out if you qualify for subsidies. You can then use that financial assistance toward the plan you purchase. Just remember, these subsidies aren’t fixed and can fluctuate throughout the year as your income changes.
  • When can I sign up for health insurance?
    You can only apply for individual Covered California plans during Open Enrollment, which usually begins October 15 and lasts until January 15. The only time you can enroll outside of this period is if you have a special qualifying life event, like loss of a job, marriage, birth of a baby, etc. Think you might be eligible for Medi-cal? You can apply for this any time of the year, even outside of Open Enrollment.
  • Does Covered California offer dental and vision coverage?
    All Covered California health insurance plans come with children’s dental coverage embedded in the health plan. In addition, Covered California offers optional family dental plans that provide dental benefits for adults. All Covered California health insurance plans include children’s vision care. In addition, Covered California now offers consumers a direct pathway to quality vision coverage. Click here for more information.
  • Am I eligible for Covered California?
    Any legal resident of California can apply for health coverage through the Covered California health insurance marketplace.
  • What if I choose not to get health insurance?
    Beginning in 2020, having health coverage is the law. If you don’t have it, you may have to pay a penalty to the California Franchise Tax Board. Generally speaking, the penalty will be $695 per each adult and $347.50 per each dependent child under 18 in the household (up to $2,085 per family) or more when you file your 2020 state income tax return in 2021.
  • Can I get help with my application or with choosing a plan?
    Yes! Help is free. Get help with your application or with choosing a plan: By phone: Call us at (800) 650-0922. The call is free. In person: We have trained certified insurance agents who can help you. This help is free! For a list of places near where you live or work, visit collectivechoice.com/locations.
  • Once I'm enrolled, how do I use my plan? What do I do next?"
    View the Using Your Plan page to learn about all of the benefits of being enrolled and how to use your plan.
  • When can I renew my plan?
    Health insurance plans only last for a year, so if you want to continue being covered, it’s important to renew during Open Enrollment. Some plans renew automatically, while others require you to resubmit your info. Usually your health insurance company will send you a reminder before Open Enrollment begins, but it’s always a good idea to check what your plan’s renewal process is. If you got your health insurance through Covered California, it’s a good idea to review your information before the end of Open Enrollment. Make sure to update any changes to your income and household information, because this can impact which plans and subsidies that may be available to you.
  • Can I apply for Covered California if I don't have a Social Security number?
    Yes. You can apply for Covered California coverage if you’re lawfully present even without a Social Security number (SSN) as long as one of the following is true: You’ve applied for a SSN You don’t qualify for a SSN due to your immigration status You do not want to provide your SSN for religious reasons If you don’t use a SSN when you apply, you’ll need to provide appropriate documentation within 90 days.
  • Is Covered California and Obamacare the same thing?
    Covered California is the state's Obamacare exchange. This means your Obamacare plan options are the same as your Covered California options. The plans on Covered California are divided by carrier and into four different metal tiers — Bronze, Silver, Gold and Platinum.
  • Which free preventive services are available in the health plans through Covered California?
    A comprehensive list of free preventive care available in all health plans through Covered California can be found on the Using Your Plan page.
  • Is Covered California an insurance company?
    No. Covered California is where Californians can get brand-name health insurance under the Patient Protection and Affordable Care Act and see if they qualify for financial subsidies from the federal government to help them pay their monthly premiums.
  • When will I get my bill?
    Depending on the plan you select, you may be able to pay your first bill when you apply for coverage online. All future bills must be paid directly to the plan, not through your Covered California account. If you do not pay your first bill online, your health insurance company will send you a bill about two weeks after it receives your application or renewal. The payment due date will be printed on the bill. Please send your payment to your health insurance company before the deadline. If you pay your bill by mail, be sure you send it in time for the insurance company to receive your payment by the payment date printed on the bill. Your health insurance company also may accept payment through the phone or online, which would be faster than mailing your payment. Contact your health insurance company for more information about payment options.
  • What free preventive care is available for adults?
    Annual adult wellness exams. Abdominal aortic aneurysm one-time screening for men of specified ages who have ever smoked. Alcohol misuse screening and counseling. Aspirin use to prevent cardiovascular disease for men and women of certain ages. Blood pressure screening. Cholesterol screening. Colorectal cancer screening for adults over 50. Depression screening. Diabetes (Type 2) screening for adults with high blood pressure. Diet counseling for adults at higher risk for chronic disease. HIV screening for everyone ages 15 to 65, and other ages at increased risk. Immunization vaccines for adults, including: * Haemophilus influenzae type b. * Hepatitis A. * Hepatitis B. * Herpes Zoster. * Human papillomavirus. * Influenza (flu). * Measles, mumps and rubella. * Meningococcal disease. * Pneumococcal disease. * Tetanus, diphtheria and pertussis. * Varicella. Obesity screening and counseling. Sexually transmitted infection prevention counseling for adults at higher risk. Syphilis screening for all adults at higher risk. Tobacco use screening for all adults and cessation interventions for tobacco users. Skin cancer counseling for persons at high risk. Lung cancer screening for persons at high risk. Hepatitis C screening for persons at high risk. Falls in older adults, counseling, preventive medication and other interventions for community-dwelling adults age 65 and older who are at increased risk for falls. Statin preventive medication for adults 40 to 75 at high risk.
  • What free preventive care is available for women?
    Anemia screening for pregnant women. Breast cancer genetic test counseling (BRCA) for women at higher risk. Breast cancer mammography screenings every one to two years for women over 40. Breast cancer chemoprevention counseling for women at higher risk. Breastfeeding comprehensive support and counseling from trained providers, and access to breastfeeding supplies, for pregnant and nursing women. Cervical cancer screening. Chlamydia infection screening for younger women and other women at higher risk. Contraception. Domestic and interpersonal violence screening and counseling. Folic acid supplements for women who may become pregnant. Gestational diabetes screening for women 24 to 28 weeks pregnant and those at high risk of developing gestational diabetes. Gonorrhea screening for all women at higher risk. Hepatitis B screening for pregnant women at their first prenatal visit. HIV screening and counseling. Human papillomavirus (HPV) DNA test every three years for women with normal cytology results who are 30 or older. Osteoporosis screening for women over age 60, depending on risk factors. Rh incompatibility screening for all pregnant women and follow-up testing for women at higher risk. Sexually transmitted infections counseling. Syphilis screening for all pregnant women or other women at increased risk. Tobacco use screening and interventions, including expanded counseling for pregnant tobacco users. Urinary tract infection or other infection screening for pregnant women. Well-woman visits. Preeclampsia prevention and screening for pregnant women with high blood pressure. Urinary incontinence screening for women yearly.
  • Can I change health insurance while getting treatment?
    If your new health insurance does not work with your doctor, but you are getting treatment for a serious condition, call your new health insurance company to let them know about your treatment. Depending on what illness or condition you are receiving treatment for, your new health insurance company may be able to work with your current doctor while you finish treatment. Be sure to tell your current doctor that you have new health insurance. For help talking to your health insurance company, contact the Health Consumer Alliance, which offers free local assistance. Call (888) 804-3536 or visit http://healthconsumer.org.
  • What preventive care is available for children?
    Wellness exams. Autism screening for children at 18 and 24 months. Behavioral assessments for children up to 17 years old. Blood pressure screening for children up to 17 years old. Cervical dysplasia screening for sexually active females. Depression screening. Developmental screening for children under age 3. Dyslipidemia screening for children from 1 to 17 years old at higher risk of lipid disorders. Fluoride chemoprevention supplements. Gonorrhea preventive medication for the eyes of all newborns. Hearing screening for all newborns. Height, weight and body mass index measurements for children up to 17 years old. Hematocrit or hemoglobin screening. Hemoglobinopathies or sickle cell screening for newborns. HIV screening for adolescents at higher risk. Immunization vaccines for children from birth to age 18, including: * Diphtheria, tetanus and pertussis. * Haemophilus influenzae type b. * Hepatitis A. * Hepatitis B. * Human papillomavirus. * Inactivated poliovirus. * Influenza (flu). * Measles, mumps, rubella. * Meningococcal disease. * Pneumococcal disease. * Rotavirus. * Varicella. Iron supplements for children ages 6 to 12 months at risk for anemia. Lead screening for children at risk of exposure. Medical history for all children up to 17 years old throughout development. Obesity screening and counseling. Oral health risk assessment for young children up to 10 years old. Phenylketonuria (PKU) screening for newborns. Sexually transmitted infection (STI) prevention counseling and screening for adolescents at higher risk. Tuberculin testing for children up to 17 years old at higher risk of tuberculosis. Vision screening. Tobacco use prevention for school-age children. Alcohol, tobacco, and drug use assessments for adolescents. Bilirubin concentration screening for newborns. Blood screening for newborns. Fluoride varnish for all infants and children as soon as teeth are present. Hepatitis B screening for adolescents at high risk, including adolescents from countries with 2 percent or more Hepatitis B prevalence, and U.S.-born adolescents not vaccinated as infants and with at least one parent born in a region with 8 percent or more Hepatitis B prevalence: 11–17 years. Hypothyroidism screening for newborns.
  • Can I use services covered by my health insurance plan before I receive my membership card?
    You can use services covered by your health insurance plan starting the next month after you make your first payment, even before your membership ID card has arrived. If you haven’t already, be sure the provider (a doctor or other health service provider) you want to see is participating in the health plan network you have selected. If you visit the provider before you receive your membership ID card, you may be asked to sign a statement agreeing to pay for the services if you cannot prove you have health insurance. The provider may later send you a bill (a “claim”) for the care. It is likely that by the time you get a bill or claim from your provider, you will already be entered into your health insurance company’s system. Once you have your membership ID card, simply contact your provider, provide them your membership ID card number and ask to have the bill resubmitted directly to your health insurance company.
  • What should I do if I have questions about medications and getting my prescriptions filled?
    If you have questions about medications and getting your prescriptions filled, the first step is to contact your health insurance company to see if it has received your first payment and can issue you a membership ID card or a plan identification number. Ask which pharmacies you can use in order to get the pharmacy benefits of your health insurance plan. You will not be able to get a membership ID card if you have not yet paid your first payment for your health insurance. If you need prescription medications urgently and you have completed the Covered California enrollment application process, selected a health plan, and made your first payment, you may be able to receive some medications even if you do not yet have a membership ID card. Contact your health insurance company for more information.
  • What is a full-time equivalent employee?
    For the purposes of determining whether an employer is a small or large employer as defined by the Patient Protection and Affordable Care Act and applicable California law, the employer is required to calculate its total number of “full-time-equivalent” (FTE) employees. This number determines whether the employer is eligible to participate in Covered California for Small Business An FTE employee is not an actual employee, but a calculation involving all part-time and full-time employees who worked during the preceding calendar year (or who are reasonably expected to work in the current calendar year if the employer did not exist in the prior year). If the final figure exceeds 100, then the employer is a large employer under California law. For coverage starting Jan. 1, 2016, if the final figure is 100 or less, then the employer is a small employer that is eligible for Covered California for Small Business.
  • What should I know about calculating full-time equivalent employees?
    Calculating the total FTE employee count is your responsibility as an employer. Employers that have more than 100 FTE employees are not eligible for Covered California for Small Business. Not all FTE employees may be eligible for coverage with Covered California for Small Business. Employees who are eligible for coverage include: Full-time employees (those who work 30 or more hours per week). Part-time employees (those who work 20-29 hours per week) at the employer’s discretion. Employees who are not eligible for coverage include those employees who work less than 20 hours per week, receive a Form 1099 or are seasonal or temporary employees.
  • Will I have to apply to receive a payment?
    No. If the Internal Revenue Service already has your bank account information from your 2019 or 2018 returns, it will transfer the money to you via direct deposit based on the recent income-tax figures it already has.
  • Do I have to pay income taxes on the amount of my payment?
    No.
  • How many payments will there be?
    Most adults will get $1,200, although some would get less. For every qualifying child age 16 or under, the payment will be an additional $500.
  • How large will the payments be?
    Most adults will get $1,200, although some would get less. For every qualifying child age 16 or under, the payment will be an additional $500.
  • If my payment doesn’t come soon, how can I be sure that it wasn’t misdirected?"
    According to the bill, you will get a paper notice in the mail no later than a few weeks after your payment has been disbursed. That notice will contain information about where the payment ended up and in what form it was made. If you couldn’t locate the payment at that point, it would be time to contact the IRS using the information on the notice.
  • Will most people who are receiving Social Security retirement and disability payments each month also get a stimulus payment?
    You’ll still receive the payments, as long as you meet the income thresholds. Even if you do not typically file taxes, the IRS will send you the money the same way you normally get your benefits. However, the IRS notes that it does not have information on dependents for people who do not have to file their taxes, so in those cases, you will not get an additional $500 for dependents age 16 or younger.
  • What if I haven't filed my taxes in 2018 or 2019?
    The IRS said if you haven't filed your 2018 federal taxes, that could affect your stimulus check and urges anyone who hasn't filed a 2018 tax return to file now.
  • Do college students get anything?
    College students who are older than 17 and still claimed as a dependent by their parents, including any students whose parents pay for over half of their expenses do not qualify for the payment.
  • Will U.S. citizens living abroad get a payment?
    Yes, as long as they meet the income requirements and have a Social Security number.
  • How much will I get?
    The IRS bases the amount of your payment on the adjusted gross income (AGI) listed on your most recent tax return: 2018 or 2019. The maximum payment is $1,200 for single filers with an AGI below $75,000 or single parents (heads of household) with an AGI below $112,500. Married couples who file jointly and have an AGI below $150,000 will get a total of $2,400. Payments will begin to phase out at a rate of $5 for each $100 over the AGI threshold before ceasing at an AGI of $99,000 for single filers, $136,500 for heads of household, and $198,000 for married filers. There's also an additional $500 allotted to parents who have an AGI within the phaseout range for each child younger than 17. You can find your adjusted gross income on Line 8b of the 2019 1040 federal tax return.
  • When will the payment arrive?
    Everyone with direct deposit should get the payments before April 24. Then, paper checks will be sent out which could take months.
  • I had to quit my job as a direct result of coronavirus. Would I be eligible to apply for benefits?
    It depends. Let’s say your employer didn’t lay you off but you had to quit because of a quarantine recommended by a healthcare provider, or because your child’s day care closed and you’re the primary caregiver. Situations like that are covered.
  • Are any unemployment benefits retroactive?
    Maybe. If you are newly eligible for benefits, you may be able to claim state-level benefits retroactively, back to Jan. 27. But it will ultimately be determined by your state, which will consider the date that you became unemployed and any extenuating circumstances that prevented you from filing earlier, according to a representative for the Department of Labor. People who are already receiving unemployment will not get any retroactive benefits. If your benefits run out, you’ll be eligible for the added 13 weeks of state-level benefits (as long as you continue to meet the eligibility criteria). The extra $600 payment being paid by the federal government is also not retroactive.
  • How long would the broader program last?
    Expanded coverage would be available to workers who were newly eligible for unemployment benefits for weeks starting on Jan. 27, 2020, and through Dec. 31, 2020.
  • I’m already receiving unemployment benefits. Will I receive any help?
    Yes. Even if you’re already receiving unemployment benefits for reasons unrelated to the coronavirus, your state-level benefits will still be extended by 13 weeks. You will also receive the extra $600 weekly benefit from the federal government.
  • What if I’ve been advised by a health care provider to quarantine myself because of exposure to coronavirus? And what about broader orders to stay home?
    People who must self-quarantine are covered. The legislation also says that individuals who are unable to get to work because of a quarantine imposed as a result of the outbreak are eligible.
  • How long will the payments last?
    Many states already provide 26 weeks of benefits, though some states have trimmed that back while others provide a sliding scale tied to unemployment levels. The bill provides all eligible workers with an additional 13 weeks. So participants in states with 26 weeks would be eligible for a total of 39 weeks. The total amount cannot exceed 39 weeks, but it may be shorter in certain states. The extra $600 payment will last for up to four months, covering weeks of unemployment ending July 31.
  • How much will I receive?
    Under the plan, eligible workers will get an extra $600 per week on top of their state benefit. In California, it is $450. People will receive an extra $600 a week in unemployment benefits for up to four months. So let’s say a worker was making $1,100 per week in California; she’d be eligible for the maximum state unemployment benefit of $450 per week. Under the new expansion, she gets an additional $600 of federal pandemic unemployment compensation, for a total of $1,550, essentially replacing her original paycheck.
  • My unemployment recently ran out — could I sign up again?
    Yes. If you’ve exhausted your benefits, eligible workers can generally reapply. But how much you get and for how long depends on the state where you worked. Everyone gets at least another 13 weeks, along with the extra $600 payment through July 31.
  • I was about to start a new job and now can’t get there because of an outbreak.
    You’re eligible for benefits. You will also be covered if you were immediately laid off from a new job and did not have a sufficient work history to qualify for benefits under normal circumstances.
  • Whom does the bill leave out?
    Workers who are able to work from home, and those receiving paid sick leave or paid family leave are not covered. New entrants to the workforce who cannot find jobs are also ineligible.
  • Are gig workers, freelancers and independent contractors covered?"
    Yes, self-employed people are newly eligible for unemployment benefits. Benefit amounts will be calculated based on previous income, using a formula from the Disaster Unemployment Assistance program, according to a congressional aide. Self-employed workers will also be eligible for the additional $600 weekly benefit provided by the federal government.
  • My employer shut down my workplace because of coronavirus. Am I eligible?
    Yes. If you are unemployed, partly unemployed or unable to work because your employer closed down, you’re covered under the bill.
  • What if I have Covid-19 or need to care for a family member who has it?
    If you’ve received a diagnosis, are experiencing symptoms or are seeking a diagnosis — and you’re unemployed, partly unemployed or cannot work as a result — you will be covered. The same goes if you must care for a member of your family or household who has received a diagnosis.
  • What if my child’s school or daycare shut down?
    If you rely on a school, a day care or another facility to care for a child, elderly parent or another household member so that you can work — and that facility has been shut down because of coronavirus — you are eligible.
  • Will this income disqualify me from any other programs?
    Maybe. The additional $600 benefit counts as income when determining eligibility for means-tested programs, except for Medicaid and the Children’s Health Insurance Program, known as CHIP.
  • Who will be covered by the expanded program?
    Unemployment benefits are typically available to Americans if they have been laid off from their job. Americans who are self-employed, unable to work or do not have a recent earnings history are ineligible to receive the benefits. The program typically excludes people who were fired or quit their jobs without good cause. However, the CARES Act expands eligibility to include self-employed people, those seeking part-time employment and independent contractors. Americans who are diagnosed with COVID-19, the respiratory illness caused by the novel coronavirus, or who are unable to go to work because of quarantine would also be eligible.
  • What if I’m a part-time worker who lost my job because of a coronavirus reason, but my state doesn’t cover part-time workers? Am I still eligible?"
    Yes. Part-time workers are eligible for benefits, but the benefit amount and how long benefits will last depend on your state. They are also eligible for the additional $600 weekly benefit.
  • How long will I need to wait for benefits?
    States have been incentivized to waive the one-week waiting period, but it’s unclear how long it will take to process claims — especially with state offices so strained by a flood of them.
  • The breadwinner of my household has died as a result of coronavirus. I relied on that person for income, and I’m not working. Is that covered?"
    Yes.
  • Will the six-month suspension cost me money, since I’m trying to qualify for the public service loan forgiveness program by making 120 monthly payments?"
    No. The legislation says that your payment count will still go up by one payment each month during the six-month suspension, even though you will not actually be making any payments. This is true for all forgiveness or loan-rehabilitation programs.
  • Is wage garnishment that resulted from being behind on my loan payments suspended during this six-month period?
    Yes. So is the seizure of tax refunds, the reduction of any other federal benefit payments and other involuntary collection efforts.
  • How do I know if my loan is eligible?
    If you’ve borrowed money from the federal government — a so-called direct loan — in the past 10 years, you’re definitely eligible. According to the Institute for College Access & Success, 90 percent of loans (in dollar terms) will be eligible. Older Federal Family Educational Loans (F.F.E.L.) that the U.S. Department of Education does not own are not eligible, nor are Perkins loans, loans from state agencies, or loans from private lenders like Discover, Sallie Mae and Wells Fargo. The holders of all those kinds of loans may be offering their own assistance programs. Within a few weeks, you are supposed to receive notice indicating what has happened with your federal loans. You can choose to keep paying down your principal if you want. Then, after Aug. 1, you should get multiple notices letting you know about the cessation of the suspension period and that you may be eligible to enroll in an income-driven repayment plan.
  • The federal government has already waived two months of payments and interest for many federal student loan borrowers. Is there a bigger break now with the new bill?
    Yes. Until Sept. 30, there will be automatic payment suspensions for any student loan held by the federal government. It is hard to contact many of the loan servicers right now, so check your account online in the coming weeks. Once you are logged in, look for the current amount due. There, you should be able to see if the servicer has reset its billing systems so that you are showing no payment due.
  • Will my loan servicer charge me interest during the six-month period?
    The bill says that interest “shall not accrue” on the loan during the suspension period. At the end of the suspension, keep a close eye on what your loan servicer does (or does not do) to put you back into your previous repayment mode. Servicer errors are common.
  • Are there changes to the rules if my employer repays some of my student loans?
    Yes. Some employers do this as an employee benefit. Between the date the bill is signed and the end of 2020, they can offer up to $5,250 of assistance without that money counting as part of the employee’s income. If the employer pays tuition for classes an employee is taking, that money will also count toward the $5,250.
  • How does the aid for small businesses and nonprofits work?
    Many small companies and nonprofits are eligible for federal grants and low-interest loans.
  • Is there any relief for renters in the bill?
    The bill protects renters by issuing a 120-day moratorium on evictions from federally subsidized housing or from a property with a federally backed mortgage loan. Landlords can’t charge any fees or penalties for nonpayment of rent.
  • Did the legislation make it illegal for any internet provider to cut off service to an individual or small business that can’t pay its bills?
    No.
  • How do student loan deferment and forbearance affect your credit score?
    Neither deferment or forbearance on your student loan has a direct impact on your credit score.
  • Did the legislation make it illegal for utility providers to cut off service?
    No.
  • Can I still borrow from my 401(k) or other workplace retirement plan?
    Yes, and you can take out twice the usual amount. For 180 days after the bill passes, with certification that you’ve been affected by the pandemic, you’ll be able to take out a loan of up to $100,000. Usually you can’t take out more than half your balance, but that rule is suspended. If you already have a loan and were supposed to finish repaying it before Dec. 31, you get an extra year.
  • What if I have to take money out of my I.R.A. or workplace retirement plan early?
    You can withdraw up to $100,000 this year without the usual 10 percent penalty, as long as it’s because of the outbreak. You will also be able to spread out any income taxes that you owe over three years from the date you took the distribution. This exception applies only to coronavirus-related withdrawals. You qualify if you tested positive, a spouse or dependent did or you experienced a variety of other negative economic consequences related to the pandemic. Employers can allow workers to self-certify that they are qualified to pull money from a workplace retirement account.
  • Which retirement account rules are suspended?
    For the calendar year 2020, no one will have to take a required minimum distribution from any individual retirement accounts or workplace retirement savings plans, like a 401(k). That way, you aren’t forced to sell investments that may have fallen in value, which would lock in losses. If you don’t need the money now, you can let the investments sit and hope that they recover. This change would not affect old-fashioned pensions.
  • When will taxpapers start on these payment plans?
    Given that the April deadline to file and pay sales and use tax returns has been extended to late July for all but the largest taxpayers, CDTFA expects that most participating taxpayers will begin their payment arrangements in late July of this year.
  • What if taxpapers owe more than the $50,000 limit on the relief?"
    The maximum amount that any taxpayer can defer interest-free under this relief effort is $50,000.
  • What do taxpapers need to do if they want to take advantage of relief from the California Department of Tax and Fee Administration?
    Interested taxpayers should contact CDTFA by visiting cdtfa.ca.gov or calling 800-400-7115.
  • Is the deadline for filing California tax returns extended?
    Yes. All California taxpayers (individuals and businesses) can file and pay by July 15, 2020. See information from the CA Franchise Tax Board for more information.
  • How will the payment plans work?
    Qualifying sales and use taxpayers with deferred liabilities up to $50,000 will pay their tax due in 12 equal monthly installments. No interest or penalties will be assessed against the liability.
  • Is this only for tax payments due fo the 1st quarter of 2020?
    If taxpayers choose to use this program to distribute the burden of their May or June prepayments or their July return, CDTFA will work to accommodate those taxpayers.
  • What are excluded businesses?
    Businesses that are not eligible include passive real estate businesses (rental income, etc.).
  • What can the money be used for?
    The funds are meant to help small businesses through this challenging time. Loan proceeds can be used for business continuance or to cure “economic injury” as a result of COVID-19.
  • Who is eligible to apply?
    Small business entities that have been affected by loss, damage or other economic injury due to the COVID-19 pandemic and meet the program’s eligibility requirements.
  • What is a loan guarantee?
    A loan guarantee is a credit enhancement that helps mitigate the risk assumed by a lending institution when making a loan. With the Small Business Finance Center’s Disaster Relief Loan Guarantee Program, IBank agrees to guarantee up to 95% of the loan, removing the barriers to capital that often exist for small business borrowers that may not otherwise be eligible for traditional lending. This program also can assist those who may not be eligible for a U.S. Small Business Administration (SBA) loan.
  • What is the timing for the funding of loans?
    The program is in place and businesses can apply immediately. Once you provide your lender with complete information, you could be funded in a matter of days.
  • Are faith-based businesses eligible for this loan guarantee program?
    Faith-based businesses (non-profit or otherwise) that have business activity outside of worship are eligible as long as they are a legal business that has been affected by the COVID-19 pandemic.
  • Can I apply for a loan guarantee only if I am ineligible for federal disaster fund financing, such as a SBA loan?"
    Yes, this program is designed for those who do not qualify for federal programs.
  • How will this program assist low-weath and minority communities?
    By working with the Community Development Financial Institutions (CDFIs) throughout the state of California, this disaster relief program can play an important role in generating economic growth and opportunity in some of our most distressed communities. CDFIs and mission-based lenders play a vital role across the state and have experience steering lending and investment to where it is needed and will matter the most, in particular in low-wealth and immigrant communities. CDFIs and our partner Financial Development Corporations (FDCs) that process the loan guarantees are embedded in communities across the state, speak several languages, and are invested in the community successfully managing its way through this pandemic.
  • How can I apply?
    The Small Business Finance Center partners with Community Development Financial Institutions (CDFIs), Community Lending Institutions, and Financial Development Corporations (FDCs) to provide loan guarantees for small businesses. To apply, View the list of FDCs and participating lenders interested in this Small Business Disaster Relief Loan Guarantee Program. Contact the lender on the list nearest to your business to apply.
  • What do you consider a small business?
    The business must have between 1-750 employees and be established as an entity, including: Sole Proprietor – Individual using legal name as business name that files a Schedule C, Schedule F, or has a fictitious business name or DBA statement If the loan appears to be in the name of an individual, evidence of Sole Proprietorship will be required and may include a Schedule C, Schedule F, Seller’s Permit, and/or fictitious business name or DBA statement Limited Liability Company Cooperative Corporation Partnership S-Corporation Not-for-profit The program will not accept an individual as the borrower. It is permissible for an individual to be a guarantor or co-borrower on the loan, but the primary borrower must be a small business. It does not consider citizenship or immigration status for eligibility requirements, as long as the entity/individual meets the above criteria. Trucking owners/operators are eligible as long as they are registered as a legal business entity. AND The business activity must be eligible under the program and in one of the industries listed in the North American Industry Classification System (NAICS) codes list, and It must be located in a declared disaster area. A major disaster area declaration was made for the state of California on March 22, 2020 in regards to the COVID-19 pandemic.
  • How much can I borrow?
    The Small Business Finance Center’s Disaster Relief Loan Guarantee Program allows a maximum loan of $1.25 million and a maximum guarantee of $1 million. To serve as many California small businesses as possible, the COVID-19 disaster program is focused on serving small businesses, especially those in low-wealth and immigrant communities with needs from $500 to $50,000.
  • What are the loan terms?
    The length of the loan can be negotiated with your lender, but the guarantee is good for up to seven years. The interest rate and loan criteria will be determined by the lender and could depend on the credit strength of the business. The guarantee is designed to lower the interest rate in exchange for a higher guarantee to your lender.
  • Where do I find more information on the allowable expenses for a forgivable loan under the Paycheck Protection Program?
    SBA has published an interim final rule that includes more detailed information about the PPP.
  • How does a business know if it is eligible for an SBA loan or loan guarantee program?
    Small businesses with 500 employees or less are eligible to apply for the Economic Injury Disaster Loan (EIDL), the Paycheck Protection Program (PPP), and/or the Small Business Debt Relief Program. Visit SBA’s comprehensive COVID-19 support website to find out more about SBA’s eligibility requirements for each program.
  • Which banks are offering the Paycheck Protection Program forgivable loans?
    Interested borrowers can contact any SBA participating bank, credit union, or nonprofit lenders to apply for the PPP. For more information, contact your local bank or reach out to SBA’s local district offices for assistance.
  • How do I get SBA to cover my loan payments on my existing 7(a), 504, or microloan if I cannot pay due to COVID-19?"
    SBA has a Debt Relief program and will pay the principal and interest of existing SBA loans. Please contact your lender for information.
  • What SBA programs are available to small businesses right now?
    More about the SBA Paycheck Protection Program (PPP) The PPP is a loan program for small businesses, self-employed, independent contractors, nonprofits with a maximum of 500 employees, and it is intended to keep workers paid and employed. The loan amount is calculated based on payroll expenses with a maximum amount of $10 million at a rate of 1% for up to 2 years. The loan is forgivable if 75 percent of the loan amount is used for payroll, and no employees are laid off, or if laid off employees are rehired before June 30, 2020. In addition to payroll costs, allowable expenses include mortgage interest, rent, and utilities. Once pending funds become available, submit your application as soon as possible, even if you may need to rehire employees that have been laid off. Check the PPP Fact Sheet and Frequently Asked Questions, and see details at SBA.gov for more details. Find a lender to contact right away. More about the SBA Economic Injury Disaster Loans (EIDL) and EIDL Advances EIDL is a direct loan for up to $2 million at a rate of 3.75% for small businesses and 2.75% for nonprofits. Applicants can get an Advance of up to $10,000 within days of a successful application, and the Advance doesn’t have to be paid back. Apply directly with the SBA. Contact the SBA by phone at 1-800-659-2955 / 1-800-877-8339 (TTY), or by email at disastercustomerservice@sba.gov.
  • How does a small business get up to $10,000 advance through the Economic Injury Disaster Loan (EIDL) program?"
    In order to request the advance of up to $10,000, eligible businesses must apply for the SBA’s Economic Injury Disaster Loan Program at sba.gov. SBA has simplified the application, and the loan and loan advance can both be requested through the Small Business Administration. Businesses who applied before March 30 or those who did not receive a response or appropriate confirmation number will need to reapply or contact SBA for assistance.
  • How do I reach SBA for any questions or assistance?
    SBA has district offices in California that are open to answer questions. You can use the SBA’s Local Assistance Directory to locate the office nearest you. You can also contact the SBA by phone at 1-800-659-2955 / 1-800-877-8339 (TTY), or by email at disastercustomerservice@sba.gov.
  • How does a small business know which SBA loan or loan guarantee program is the right one? Can a small business apply to more than one?
    Call or email the SBA to find out which program is right for you. While businesses can apply for and receive more than one form of capital assistance through the SBA, they cannot be used for the same purpose. The SBA can advise you on your options. Call 1-800-659-2955 / 1-800-877-8339 (TTY), or email disastercustomerservice@sba.gov.
  • If I need help to figure out which program is best for me or to submit an application, where can I find support?"
    California’s network of small business support centers can help you figure out which loans and programs are best for your business, help you develop resiliency strategies, and find other resources. To find the closest center, go to business.ca.gov/centers.
  • How can I avoid laying off employees if my business is impacted by COVID-19?
    Apply for the Unemployment Insurance (UI) Work Sharing Program.
  • How do I maintain a safe workplace?
    If your business is in an essential sector and remaining open during the stay home order, you should take steps to ensure the safety and health of your workers. Encourage sick employees to stay home. Establish routine cleaning throughout the workplace. Reduce travel. If possible, encourage video conferencing and limit larger gatherings. See Cal/OSHA interim guidelines for general industry. Follow CDC guidance on keeping the workplace safe (pdf).
  • What precautions should healthcare workers and organizations take?
    See Cal/OSHA’s guidance on protecting workers from coronavirus.
  • What businesses and organizations are exempt from the stay home order?
    Businesses and organizations that provide critical infrastructure for the state are exempted, including health care and public health, public safety, food and agriculture and media. See the full list of exempt sectors (pdf).
  • I run/work at an exempted business or organization, as defined by the stay home order. Do I need to get an official letter of authorization from the state to operate?"
    No. If your business or organization is in the list of exempt sectors, it may still operate. You do not need to obtain any specific authorization from the state to do so.
  • Should cloth face coverings be washed or otherwise cleaned regulary? How regulary?
    Yes. They should be routinely washed depending on the frequency of use.
  • How does one safely sterilize/clean a cloth face covering?
    A washing machine should suffice in properly washing a face covering.
  • How does one safely remove a used cloth face covering?
    Individuals should be careful not to touch their eyes, nose, and mouth when removing their face covering and wash hands immediately after removing.
  • Automated Self-Service Line
    Call (866) 333-4606 Get info on how to file a new claim or reopen an existing claim. Get info on your last payment issued. Certify for benefits using EDD Tele-Cert Request copies of your 1099 tax info Find a local job center ​ Open 24 hours per day, 7 days per week.
  • Claims Support
    Call (800) 300-5616 Get help with filing a UI claim. Get payment information. ​ Open 8 am to 12 pm (PT), Monday through Friday, except state holidays.
  • General or Technical Support
    Call (833) 978-2511 For general or technical questions. How to use UI Online, including registration and password reset. EDD Customer Account Number No access to claim or payment info. ​ Open 8 am to 8 pm (PT), 7 days per week.
  • Had a Baby
    A child is born, adopted or received into foster care. The entire family can use the special-enrollment period to enroll in coverage. If you receive a child in foster care, you will need to indicate you “adopted a child” when you apply.
  • Other Qualifying Life Event
    Examples: You are already enrolled in a Covered California plan and become newly eligible or ineligible for tax credits or cost-sharing reductions. You are already enrolled in a Covered California plan and you lose a dependent or lose your status as a dependent due to divorce, legal separation, dissolution of domestic partnership, or death. Misconduct or misinformation occurred during your enrollment Misrepresentation or erroneous enrollment Your health plan violated its contract You have a non-calendar year health plan (including “grandfathered” and “non-grandfathered” health insurance plan) outside of Covered California that has expired or will soon expire, and you would like to switch to a Covered California health insurance plan instead of renewing your current plan. You lose “share of cost” Medi-Cal coverage by reaching your share of cost. You received a certificate of exemption for hardship from Health and Human Services for a month or months during the coverage year but lost eligibility for the hardship exemption outside of an open enrollment period. You and your dependents, if any, are victims of domestic abuse or spousal abandonment (please select "Other qualifying life event" in the drop-down menu and "Single" or "Head of Household" in the "Personal Data-Tax Information" section of the application). You are required by court order to provide health insurance for a child who was been determined ineligible for Medi-Cal and CHIP, even if you are not the party who expects to claim the child as a tax dependent. You lose “share of cost” Medi-Cal coverage by reaching your share of cost. You are a member of AmeriCorps/VISTA/National Civilian Community Corps. Your provider left the health plan network while you were receiving care for one of the following conditions. Pregnancy Terminal illness An acute condition A serious chronic condition The care of a newborn child between birth and age 36 months A surgery or other procedure that will occur within 180 days of the termination or start date.
  • Released from Jail or Prison
    You were recently released from incarceration (jail or prison).
  • Returned from Active Duty Military Service
    You have lost coverage after leaving active duty, reserve duty, or the California National Guard.
  • Lost Coverage
    You recently lost or will soon lose your coverage. You lose Medi-Cal coverage. You lose your employer-sponsored coverage. Your COBRA coverage is exhausted. (Note: Not paying your COBRA premium is not considered loss of coverage.) You are no longer eligible for student health coverage. You turn 19 years old and are no longer eligible for a child-only plan. You turn 26 years old and are no longer eligible for a parent’s plan. If your parent has coverage through Covered California, you can stay in their plan until coverage ends on Dec. 31, even if you turn 26 mid-year. If your parent has a job-based plan, you qualify for a special-enrollment period to buy health insurance. Your special-enrollment period starts 60 days before you lose coverage and ends 60 days after.
  • Just Married
    You recently got married or entered into a domestic partnership. One or both members of the new couple can use the special-enrollment period to enroll in coverage.
  • Federally Recognized American Indian/Alaska Native
    Example: If you are a member of a federally recognized American Indian tribe, you can enroll at any time and change plans once per month.
  • Moved
    You recently moved to or within California. You move to California from out of state. You move within California and gain access to at least one new Covered California health insurance plan. This category also applies to individuals who are released from jail or prison.
  • Gained Citizenship/Lawful Presence
    Example: You become a citizen, national, or permanent legal resident.
  • Can I enroll and make changes to my plan over the phone?
    Yes! Anytime you need help—whether choosing, using, or understanding a plan—just give us a call at (800) 650-0922. We can assist you with the following services and more over the phone: Sign up for health insurance Update your application Send your Form 1095-A through secure email to file taxes And other customer service related things
  • What is Collective:Choice doing to keep guests safe and staff safe in locations?
    Like many others, we’re taking guidance from the Centers for Disease Control and Prevention (CDC), which recommends regular cleaning as one of the most important preventative measures we can take. We’ve invested in and expanded rigorous cleaning routines including: Providing staff disposable face masks to wear at work and encouraging healthy hygiene habits as guided by the CDC. Given CDC guidance on the role that face masks can play in slowing the spread of the coronavirus and to keep our team and guests safe, we’re requiring team members to wear masks or face coverings when working. Rolling out Plexiglass partitions to agents' desks. Increased cleanliness in the lobby, at the desks, and shared common spaces. Our team is stepping up in an incredible way to support families across California during this unprecedented time, and we’re committed to providing them with the resources they need to take care of themselves and their own families. This includes: Temporarily, pausing all large group gatherings in person, such as team and department meetings Adding signage as reminders for healthy hygiene habits and social distancing best practices in breakrooms and on the floor of our locations. Offices are stocked with anti-bacterial sprays, hand wash, and sanitizers for cleaning and personal hygiene. We're encouraging customers to observe social distancing and remain six feet apart while in our offices, including: Actively monitoring and, when needed, metering customer traffic to promote social distancing. Posting signage at the front of every location and throughout the office for safety and hygiene reminders. Dedicating staff to ensure customers stay in the lobby at an appropriate distance until they're called to speak to an agent.
  • Is Medi-Cal an option?
    Yes, if you are eligible, you may apply for Medi-Cal at any time. You do not have to wait until the open enrollment period or until COBRA coverage ends to enroll in Medi-Cal. For more information on Medi-Cal, visit here.
  • I am furloughed/ on unpaid leave / on Paid Family Medical Leave. What are my coverage options?
    Covered California or Medi-Cal may be options available for you until your return to work. Apply by calling us at (800) 650-0922. We are available to update your Covered California account as your circumstances change (example: return to work) and advise you on next steps.
  • What about COBRA?
    Your company may offer you Consolidated Omnibus Budget Reconciliation Act (COBRA) coverage. This is an opportunity to continue your current health coverage (typically up to 18 months) at an increased personal cost, since you will most likely be paying the portion your employer used to pay, plus an administrative fee. If you have already enrolled in coverage through COBRA, you generally must either wait for open enrollment in the fall or for your COBRA benefits to expire before you can enroll through a special enrollment period with Covered California. However, due to the coronavirus epidemic, through July 31, 2020, individuals impacted by COVID-19 may be eligible to enroll in health insurance through Covered California.
  • I already have coverage with Covered California but I'm having trouble affording my coverage because of loss of income. Am I eligible for extra financial help?
    Keep your account up-to-date with your current income. You may be eligible for free or low-cost care through Medi-Cal, or more financial help paying for your Covered California plan. Call us today at (800) 650-0922 to review your income and application to see what options are available to you.
  • Can I compare COBRA and Covered California coverage?
    To estimate the cost and benefits of Covered California coverage with that of COBRA, call us at (800) 650-0922 so we can help you understand your options before making a decision.
  • When is the Open Enrollment Period for Obamacare?
    California offer Obamacare health insurance plans through the state-run exchange, Covered California. This means your Obamacare plan options are the same as your Covered California options. The plans on Covered California are divided by carrier and into four different metal tiers — Bronze, Silver, Gold and Platinum. The different tiers determine how much your health plan pays and how much you pay out-of-pocket. Open Enrollment for Covered California is expected to begin on November 1, 2024 and continues until January 31, 2025.
  • What if I want to apply and it's not Open Enrollment?
    The only other way to buy an insurance plan outside of open enrollment is to qualify for special enrollment. This time frame is called the Special Enrollment Period (SEP). This exception allows you to apply for health insurance if you’ve had certain qualifying life events, such as: Losing your job Moving to a new state Getting married or divorced Becoming a widow or widower Aging off your parent’s plan Having a new baby Note: that you won’t be eligible for special enrollment if you lost your previous health plan because you failed to pay your monthly premiums or if you voluntarily cancelled the coverage. For more Qualifying Life Events and information about Special Enrollment Period, please visit here.
  • When is the Open Enrollment Period for Covered California 2024 - 2025?
    Open Enrollment for Covered California is expected to begin on November 1, 2024 and continues until January 31, 2025.
  • What is Covered California?
    Covered California is a free service that connects Californians with brand-name health insurance under the Patient Protection and Affordable Care Act. It's the only place where you can get financial help when you buy health insurance from well-known companies. For more information, please visit here.
  • What are your options during Open Enrollment?
    Depending on your current situation, you have the following options. Buy a plan through Covered California. You may want to buy a plan through the marketplace if you qualify for a tax credit to help offset your premiums. Qualifying usually depends on your income and household size. To see if you qualify, call us today at (800) 650-0922. Renew or change your current plan. During the open enrollment period, you can renew your existing plan. You won’t have to do anything if you want to keep what you have. But if your current plan is changing — for instance, your PCP is leaving the network, or your drugs aren’t in the list of covered medications — then you may want to switch to a plan that best suits your current needs. If you need to change policies, the open enrollment period is the best time. Enroll in Medi-Cal. If your income is below 128% of the Federal Poverty Level, you qualify for Medi-Cal. For more information about Medi-Cal, click here.
  • How can you apply?
    One of the fastest ways to find out if you are eligible for ongoing Medi-Cal is to call one of our certified insurance agents at (800) 650-0922. The fastest way to find out if you are eligible for MCAP is to: Contact MCAP at (800) 433-2611. You can call Monday through Friday, 8 a.m. to 8 p.m., and Saturday, 8 a.m. to 5 p.m. To apply for Covered California, call us at (800) 650-0922.
  • When can you enroll?
    Medi-Cal programs enroll new members anytime. Covered California enrolls new members only during the open-enrollment period that begins in the fall, unless you qualify for special enrollment. Pregnancy is not considered a qualifying life event for special enrollment in Covered California, but you may have a different qualifying event like recently losing your health care coverage.
  • SHARP Health Plan
    Pay by Phone (800) 359-2002 Have your Sharp Health Plan member ID or Social Security number available. Pay Online Go to https://www.sharphealthplanpayment.com/PP. Pay by Mail P.O. Box 57248 Los Angeles, CA 90074-7248 Add your case number to payment. No invoice received? (800) 359-2002
  • Valley Health Plan
    Pay Online For first-time payment: log in to your CoveredCA.com account and follow the payment instructions. If you are a current member, visit http://www.valleyhealthplan.org/Pages/paybill.aspx. Pay by Mail San Francisco Lockbox County of Santa Clara — VHP PO Box 398435 San Francisco, CA 94139-8435 Valley Health Plan only accepts money orders and checks. Follow the directions on your invoice. No invoice received? (888) 421-8444
  • CCHP Health Plan
    Pay Online For first-time payment: log into your CoveredCA.com account and follow the payment instructions. Pay by Mail 445 Grant Avenue, #700 San Francisco, CA 94108 Include your invoice stub. No invoice received? (888) 775-7888
  • Molina Healthcare
    Pay by Phone (888) 858-2150 Have your Covered California ID or Social Security number ready. Pay Online For first-time payment: log into your CoveredCA.com account and follow the payment instructions. To make your monthly payment online, visit http://MolinaPayment.com. Pay by Mail P.O. Box 7010 Pasadena, CA 91109-7010 Add your case number to payment. Allow 10-15 days for mailing and processing. No invoice received? (888) 858-2150 Have your Covered California ID or Social Security number available.
  • L.A. Care Health Plan
    Pay by Phone (855) 270-2327 TTY: 711 Have your member ID or subscriber’s member ID or case number available. Pay Online Go to L.A. Care Connect. Create an account. Have your member ID or the subscriber’s member ID available. Pay by Mail L.A. Care Health Plan, L.A. Care Covered P.O. Box 2168 Omaha, NE 68103 Add your member ID or the subscriber’s member ID or case number to payment. Pay in Person L.A. Care Health Plan, L.A. Care Covered 1055 West 7th St. Los Angeles, CA 90017 Accepted forms of payment: money order, cashier’s check, credit card or personal check. Important Note: Add your member ID or the subscriber’s member ID or case number to payment. No invoice received? (855) 270-2327 TTY: 711 Have your member ID or subscriber’s member ID or case number available.
  • Kaiser Permanente
    Pay by Phone (844) 524-7370 Have on hand your account number, invoice number and the subscriber’s last name that is listed on the invoice. Pay Online Go to www.kp.org/paypremium to make your first premium payment. Registration is required. If you are a current member, go to www.kp.org/premiumbill using the secure payment portal. To pay online you will need your kp.org user ID and password. Pay by Mail Kaiser Foundation Health Plan, Inc. P.O. Box 60508 City of Industry, CA 91716-0508 Follow the directions on your invoice. No invoice received? (844) 524-7370
  • Oscar
    Pay by Phone (855) 672-2755 Have your subscriber ID or Social Security number ready. Pay Online For first-time payment: log into your CoveredCA.com account and follow the payment instructions. If you are a current member, go to https://www.hioscar.com/. Log in as a member and click "Pay My Bill." Pay by Mail Please refer to the information found on the payment letter. No invoice received? (855) 672-2755
  • Anthem Blue Cross
    Pay by Phone (855) 634-3381 Have your subscriber ID or Social Security number ready. Pay Online For first-time payment: log into your CoveredCA.com account and follow the payment instructions. If you are a current member, go to www.anthem.com/ca and log in as a member. Click on “Pay My Bill." Pay by Mail Anthem Blue Cross P.O. Box 51011 Los Angeles, CA 90051-5311 No invoice received? (855) 634-3381
  • Health Net
    Pay by Phone (800) 539-4193 (TTY/TDD 711) Have your subscriber ID and payment method ready. (You can get your subscriber ID if you do not have it on the Health Net website. Register, then log in and find your ID on the homepage.) Pay Online Go to www.healthnet.com. Click the “For Members” button on the top of the page. Then click “Pay My Bill.” Pay with MoneyGram® Find a MoneyGram location near you on its website or call (800) 926-9400. Remember to bring: Cash for your premium payment. Health Net will pay your MoneyGram transaction fee. Your Health Net member ID number. The Receive Code: 16375. Fill out the blue MoneyGram ExpressPayment® form and use the MoneyGram phone or kiosk to complete your payment.
  • Western Health Advantage
    Pay by Phone (888) 442-2206 Have your WHA ID number or Social Security number available. Pay Online For first-time payment: log into your CoveredCA.com account and follow the payment instructions. Pay by Mail WHA, DEPT 34668 P.O. Box 39000 San Francisco, CA 94139 No invoice received? (888) 442-2206 Have your WHA ID number or Social Security number available.
  • Blue Shield of California
    Pay by Phone (855) 836-9705 Have your case number or Social Security number on hand. Allow seven to 10 days for Blue Shield of California to process your enrollment. Pay Online Go to www.blueshieldca.com/PaymentBSC. This applies to the first month's premium payment only. Registration is required. Have your Social Security number ready. If you are a current member, go to www.blueshieldca.com and log in as a member. In the Billing & Payments section, select "Pay my bill." Pay by Mail Blue Shield of California P.O. Box 54530 Los Angeles, CA 90054-0530 Please include your certificate number from your invoice statement and your invoice stub. No invoice received? Go to www.blueshieldca.com/PaymentBSC. This applies to the first premium payment only. Registration is required. Have your Social Security number ready. If you are a current member, go to www.blueshieldca.com and log in as a member. In the Billing & Payments section, select "Pay my bill."
  • When will I receive a corrected Form 1095-A?
    Covered California will respond to you within 60 days of the date of submission of the Form 1095-A dispute form and issue a corrected form. If you file your tax return before you receive your corrected Form 1095-A from Covered California, you may have to file an amendment to your tax return. If you do not get a new, corrected Form 1095-A before you are required to file your taxes, you must use the original Form 1095-A that Covered California sent you to complete Form 8962 and file your tax return.
  • What is the difference between Form 1095-A, B and C?"
    Form 1095-A, Covered California Statement: Covered California sends this form to individuals who enrolled in coverage with Covered California (except for individuals who enrolled in a minimum coverage/catastrophic plan. These individuals may receive a Form 1095-B or 1095-C directly from their health insurance company). Form 1095-B, Health Coverage: Health insurance companies outside of Covered California and programs such as Medi-Cal send this form to individuals they cover, with information about who was covered and when. Form 1095-C, Employer-Provided Health Insurance Offer and Coverage: Large employers send this form to their employees. It states the health coverage that was offered (if any) and the months in which it was offered.
  • What if I didn't get a Form 1095-A?
    If you have not received a Form 1095-A in the mail or in your Covered California account, complete the dispute form or contact Covered California at (800) 300-1506. The dispute form is currently only available in English. For assistance in Spanish or any other language, please contact Covered California at (800) 989-2199. Current Members: Log in to your Covered California account. Go to “More Actions” in the bottom right corner of the web page. Click “Secure Mailbox.” Past members: Log in to your Covered California account. Go to “More Actions” in the bottom right corner of the web page. Click “View Past Application.” Select “Documents and Correspondence.” Covered California members who enrolled in a minimum coverage plan (also known as catastrophic coverage) may receive a Form 1095-B or 1095-C directly from their health insurance company. Health insurance companies are not required to send a 1095-B for catastrophic coverage and this form is not required to file your taxes.
  • What if my Form 1095-A is incorrect?
    If the information below is incorrect on your Form 1095-A, please contact the Covered California Service Center at (800) 989-2199 to provide the right information and receive a corrected Form 1095-A, or receive directions on how to make the necessary changes before filing your taxes. Your name. Your date of birth. Your Social Security number. Your address. If the following information is incorrect on your Form 1095-A, complete the dispute form. (The dispute form is currently only available in English. For assistance in Spanish or any other language, please contact Covered California at [800] 989-2199.) Incorrect amount of premium tax credits. Wrong months of coverage listed or not shown for covered individuals. Missing household members or incorrect names. Health coverage was terminated.
  • What do I do with Form 1095-A?
    You will need it when you prepare your taxes. Similar to a W-2, a Form 1095-A is one of the things that will determine the amount of taxes you will pay or the refund you receive. You will use it to fill out IRS Form 8962. Form 8962 is an IRS form to “reconcile” the tax credits your health insurance company received based on your estimated income with the amount that you qualify for based on your actual income, as reported on your federal tax return. Get more information about IRS Form 8962 on the IRS website. For help with your taxes, consult a tax preparer. Most tax preparers are ready to assist you with this form and the tax requirements. You may be able to get free help filing your taxes, including free software programs or in-person assistance. Find out if you qualify to use Free File, the IRS’s free tax-filing software, or VITA, the IRS’s program for free tax preparation.
  • What if I received an incorrect Form 1095-B or 1095-C?
    Medi-Cal, Medicare, employers and health insurance companies will issue Form 1095-B and 1095-C. If you have questions about your Form 1095-B or 1095-C, please contact the sender. Covered California will not be able to resolve disputes for forms sent by any other source. Covered California for Small Business health plan members may receive an IRS Form 1095-B or 1095-C. We encourage you to check with your health insurance company or employer if you have questions about these forms.
  • Can I enroll and make changes to my plan over the phone?
    Yes! Anytime you need help—whether choosing, using, or understanding a plan—just give us a call at (800) 650-0922. We can assist you with the following services and more over the phone: Sign up for health insurance Update your application Send your Form 1095-A through secure email to file taxes And other customer service related things
  • What is Collective:Choice doing to keep guests safe and staff safe in locations?
    Like many others, we’re taking guidance from the Centers for Disease Control and Prevention (CDC), which recommends regular cleaning as one of the most important preventative measures we can take. We’ve invested in and expanded rigorous cleaning routines including: Providing staff disposable face masks to wear at work and encouraging healthy hygiene habits as guided by the CDC. Given CDC guidance on the role that face masks can play in slowing the spread of the coronavirus and to keep our team and guests safe, we’re requiring team members to wear masks or face coverings when working. Rolling out Plexiglass partitions to agents' desks. Increased cleanliness in the lobby, at the desks, and shared common spaces. Our team is stepping up in an incredible way to support families across California during this unprecedented time, and we’re committed to providing them with the resources they need to take care of themselves and their own families. This includes: Temporarily, pausing all large group gatherings in person, such as team and department meetings Adding signage as reminders for healthy hygiene habits and social distancing best practices in breakrooms and on the floor of our locations. Offices are stocked with anti-bacterial sprays, hand wash, and sanitizers for cleaning and personal hygiene. We're encouraging customers to observe social distancing and remain six feet apart while in our offices, including: Actively monitoring and, when needed, metering customer traffic to promote social distancing. Posting signage at the front of every location and throughout the office for safety and hygiene reminders. Dedicating staff to ensure customers stay in the lobby at an appropriate distance until they're called to speak to an agent.
  • What is Collective:Choice doing to keep guests safe and staff safe in locations?
    Like many others, we’re taking guidance from the Centers for Disease Control and Prevention (CDC), which recommends regular cleaning as one of the most important preventative measures we can take. We’ve invested in and expanded rigorous cleaning routines including: Providing staff disposable face masks to wear at work and encouraging healthy hygiene habits as guided by the CDC. Given CDC guidance on the role that face masks can play in slowing the spread of the coronavirus and to keep our team and guests safe, we’re requiring team members to wear masks or face coverings when working. Rolling out Plexiglass partitions to agents' desks. Increased cleanliness in the lobby, at the desks, and shared common spaces. Our team is stepping up in an incredible way to support families across California during this unprecedented time, and we’re committed to providing them with the resources they need to take care of themselves and their own families. This includes: Temporarily, pausing all large group gatherings in person, such as team and department meetings Adding signage as reminders for healthy hygiene habits and social distancing best practices in breakrooms and on the floor of our locations. Offices are stocked with anti-bacterial sprays, hand wash, and sanitizers for cleaning and personal hygiene. We're encouraging customers to observe social distancing and remain six feet apart while in our offices, including: Actively monitoring and, when needed, metering customer traffic to promote social distancing. Posting signage at the front of every location and throughout the office for safety and hygiene reminders. Dedicating staff to ensure customers stay in the lobby at an appropriate distance until they're called to speak to an agent.
  • Can I enroll and make changes to my plan over the phone?
    Yes! Anytime you need help—whether choosing, using, or understanding a plan—just give us a call at (800) 650-0922. We can assist you with the following services and more over the phone: Sign up for health insurance Update your application Send your Form 1095-A through secure email to file taxes And other customer service related things
  • Can I enroll and make changes to my plan over the phone?
    Yes! Anytime you need help—whether choosing, using, or understanding a plan—just give us a call at (800) 650-0922. We can assist you with the following services and more over the phone: Sign up for health insurance Update your application Send your Form 1095-A through secure email to file taxes And other customer service related things
  • What is Collective:Choice doing to keep guests safe and staff safe in locations?
    Like many others, we’re taking guidance from the Centers for Disease Control and Prevention (CDC), which recommends regular cleaning as one of the most important preventative measures we can take. We’ve invested in and expanded rigorous cleaning routines including: Providing staff disposable face masks to wear at work and encouraging healthy hygiene habits as guided by the CDC. Given CDC guidance on the role that face masks can play in slowing the spread of the coronavirus and to keep our team and guests safe, we’re requiring team members to wear masks or face coverings when working. Rolling out Plexiglass partitions to agents' desks. Increased cleanliness in the lobby, at the desks, and shared common spaces. Our team is stepping up in an incredible way to support families across California during this unprecedented time, and we’re committed to providing them with the resources they need to take care of themselves and their own families. This includes: Temporarily, pausing all large group gatherings in person, such as team and department meetings Adding signage as reminders for healthy hygiene habits and social distancing best practices in breakrooms and on the floor of our locations. Offices are stocked with anti-bacterial sprays, hand wash, and sanitizers for cleaning and personal hygiene. We're encouraging customers to observe social distancing and remain six feet apart while in our offices, including: Actively monitoring and, when needed, metering customer traffic to promote social distancing. Posting signage at the front of every location and throughout the office for safety and hygiene reminders. Dedicating staff to ensure customers stay in the lobby at an appropriate distance until they're called to speak to an agent.
  • What is Collective:Choice doing to keep guests safe and staff safe in locations?
    Like many others, we’re taking guidance from the Centers for Disease Control and Prevention (CDC), which recommends regular cleaning as one of the most important preventative measures we can take. We’ve invested in and expanded rigorous cleaning routines including: Providing staff disposable face masks to wear at work and encouraging healthy hygiene habits as guided by the CDC. Given CDC guidance on the role that face masks can play in slowing the spread of the coronavirus and to keep our team and guests safe, we’re requiring team members to wear masks or face coverings when working. Rolling out Plexiglass partitions to agents' desks. Increased cleanliness in the lobby, at the desks, and shared common spaces. Our team is stepping up in an incredible way to support families across California during this unprecedented time, and we’re committed to providing them with the resources they need to take care of themselves and their own families. This includes: Temporarily, pausing all large group gatherings in person, such as team and department meetings Adding signage as reminders for healthy hygiene habits and social distancing best practices in breakrooms and on the floor of our locations. Offices are stocked with anti-bacterial sprays, hand wash, and sanitizers for cleaning and personal hygiene. We're encouraging customers to observe social distancing and remain six feet apart while in our offices, including: Actively monitoring and, when needed, metering customer traffic to promote social distancing. Posting signage at the front of every location and throughout the office for safety and hygiene reminders. Dedicating staff to ensure customers stay in the lobby at an appropriate distance until they're called to speak to an agent.
  • Can I enroll and make changes to my plan over the phone?
    Yes! Anytime you need help—whether choosing, using, or understanding a plan—just give us a call at (800) 650-0922. We can assist you with the following services and more over the phone: Sign up for health insurance Update your application Send your Form 1095-A through secure email to file taxes And other customer service related things
  • What is Collective:Choice doing to keep guests safe and staff safe in locations?
    Like many others, we’re taking guidance from the Centers for Disease Control and Prevention (CDC), which recommends regular cleaning as one of the most important preventative measures we can take. We’ve invested in and expanded rigorous cleaning routines including: Providing staff disposable face masks to wear at work and encouraging healthy hygiene habits as guided by the CDC. Given CDC guidance on the role that face masks can play in slowing the spread of the coronavirus and to keep our team and guests safe, we’re requiring team members to wear masks or face coverings when working. Rolling out Plexiglass partitions to agents' desks. Increased cleanliness in the lobby, at the desks, and shared common spaces. Our team is stepping up in an incredible way to support families across California during this unprecedented time, and we’re committed to providing them with the resources they need to take care of themselves and their own families. This includes: Temporarily, pausing all large group gatherings in person, such as team and department meetings Adding signage as reminders for healthy hygiene habits and social distancing best practices in breakrooms and on the floor of our locations. Offices are stocked with anti-bacterial sprays, hand wash, and sanitizers for cleaning and personal hygiene. We're encouraging customers to observe social distancing and remain six feet apart while in our offices, including: Actively monitoring and, when needed, metering customer traffic to promote social distancing. Posting signage at the front of every location and throughout the office for safety and hygiene reminders. Dedicating staff to ensure customers stay in the lobby at an appropriate distance until they're called to speak to an agent.
  • Can I enroll and make changes to my plan over the phone?
    Yes! Anytime you need help—whether choosing, using, or understanding a plan—just give us a call at (800) 650-0922. We can assist you with the following services and more over the phone: Sign up for health insurance Update your application Send your Form 1095-A through secure email to file taxes And other customer service related things
  • What is Collective:Choice doing to keep guests safe and staff safe in locations?
    Like many others, we’re taking guidance from the Centers for Disease Control and Prevention (CDC), which recommends regular cleaning as one of the most important preventative measures we can take. We’ve invested in and expanded rigorous cleaning routines including: Providing staff disposable face masks to wear at work and encouraging healthy hygiene habits as guided by the CDC. Given CDC guidance on the role that face masks can play in slowing the spread of the coronavirus and to keep our team and guests safe, we’re requiring team members to wear masks or face coverings when working. Rolling out Plexiglass partitions to agents' desks. Increased cleanliness in the lobby, at the desks, and shared common spaces. Our team is stepping up in an incredible way to support families across California during this unprecedented time, and we’re committed to providing them with the resources they need to take care of themselves and their own families. This includes: Temporarily, pausing all large group gatherings in person, such as team and department meetings Adding signage as reminders for healthy hygiene habits and social distancing best practices in breakrooms and on the floor of our locations. Offices are stocked with anti-bacterial sprays, hand wash, and sanitizers for cleaning and personal hygiene. We're encouraging customers to observe social distancing and remain six feet apart while in our offices, including: Actively monitoring and, when needed, metering customer traffic to promote social distancing. Posting signage at the front of every location and throughout the office for safety and hygiene reminders. Dedicating staff to ensure customers stay in the lobby at an appropriate distance until they're called to speak to an agent.
  • Can I enroll and make changes to my plan over the phone?
    Yes! Anytime you need help—whether choosing, using, or understanding a plan—just give us a call at (800) 650-0922. We can assist you with the following services and more over the phone: Sign up for health insurance Update your application Send your Form 1095-A through secure email to file taxes And other customer service related things
  • Why do I need supplemental insurance from SureBridge if I already have medical insurance?
    Medical insurance is very important but it is only part of the protection you need. You may also need coverage to help fill financial gaps such as out-of-pocket medical expenses and other daily living expenses in cases you are injured or sick and unable to work. Supplemental insurance pays you a cash benefit so that you can use it however you need.
  • Will I get a benefit check if my health insurance covers my hospital stay?
    Yes. Supplemental insurance from SureBridge pays you, even if your health insurance policy covers your hospitalization.
  • Will I receive money if I am admitted to the hospital for a pre-existing condition?
    No. SureBridge will only pay benefits for hospital visits related to illness or injury diagnosed after the policy effective policy.
  • Why do I need Hospital Confinement if I already have medical insurance that should pay the majority of my hospital bills?
    There are frequently unexpected costs associated with a hospital stay that medical insurance does not cover, such as deductibles, child care, and other daily living expenses. Hospital Confinement Direct is designed to help cover these costs with the cash benefit paid directly to you.
  • Are there any restrictions on how I use the money?
    No, you can use the cash paid to you however you choose.
  • What if multiple family members are admitted to the hospital at the same time?
    SureBridge will pay a predetermined amount for each hospitalized family member covered by the policy.
  • How do I receive the money?
    If you have a covered accident or illness, you file a claim with SureBridge’s underwriting company, The Chesapeake Life Insurance Company. Once the claim is reviewed and approved, a benefit check will be mailed directly to you.
  • How is supplemental insurance different from medical insurance?
    If you have medical insurance and you are injured or sick, it pays for covered services such as a doctor’s visit or hospitalization; supplemental insurance is designed to pay you. The cash benefit you receive from your supplemental insurance plan can be used for anything you choose, including expenses health insurance won’t pay for, such as deductibles, offsetting a loss of income during your hospital stay, family travel expenses, or to help with everyday living expenses.
  • Is supplemental insurance expensive?
    SureBridge plans provide customizable protection for you and your family to fit any budget. Our policies are designed to fit your budget and fill the gaps to help protect your financial security. Get a quote to find out just how affordable adding supplemental insurance protection can be.
  • Returned From Active Military Service
    You have lost coverage after leaving active duty, reserve duty, or the California National Guard.
  • Other Qualifying Life Events
    See the full list of qualifying life events.
  • Change of Household Size
    Your household size changed.
  • Lost Job or Income
    You recently lost employment, were laid off, or left your job. Loss of income due to fewer hours or less work.
  • Lost Health Insurance
    You lose Medi-Cal coverage. You lose your employer-sponsored coverage. Your COBRA coverage is exhausted. Note: Not paying your COBRA premium is not considered loss of coverage. You are no longer eligible for student health coverage. You turn 19 years old and are no longer eligible for a child-only plan.
  • Released from Jail or Prison
    Enter your answer here
  • Current Enrollees Who Experienced a Life Event
    You are already enrolled in a Covered California plan and become newly eligible or ineligible for tax credits or cost-sharing reductions. You are already enrolled in a Covered California plan and you lose a dependent or lose your status as a dependent due to divorce, legal separation, dissolution of domestic partnership, or death.
  • Moved to or Within California
    You move to California from out of state. You move within California and gain access to at least one new Covered California health insurance plan.
  • Married or Entered a Domestic Partnership
    One or both members of the new couple can use the special-enrollment period to enroll in coverage.
  • Turned 26 Years Old
    You turn 26 years old and are no longer eligible for a parent’s plan.
  • Gained Citizenship or Lawful Presence
    You become a citizen, national, or permanent legal resident.
  • Domestic Abuse or Special Abandonment
    Survivors of domestic abuse or spousal abandonment qualify for special enrollment
  • Affected by Wildfires
    Your household experienced an exceptional circumstance, such as the 2020 California wildfires.
  • A Child is Born, Adopted or Received Into Foster Care"
    A child is born, adopted or received into foster care. The entire family can use the special-enrollment period to enroll in coverage.
  • Proof of Citizenship or U.S. National Status
    Submit a copy of one of the following documents. Primary (Stand-Alone) Evidence of Citizenship U.S. Passport or U.S. Passport Card, current or expired (issued without limitation). Certificate of U.S. Citizenship. Form N-560. Form N-561. Certificate of Naturalization. Forms N-550, N-570. Documentary evidence issued by a federally recognized American Indian or Alaska Native tribe. Documents must identify the individual by name and confirm the individual’s membership, enrollment, or affiliation with a tribe. Documents include but are not limited to: Tribal enrollment card. Certificate of Degree of Indian Blood. Tribal census document. Documents on Tribal letterhead, issued under the signature of the appropriate Tribal official. Secondary evidence of citizenship If you do not have any of the above primary (standalone) evidence, provide copies of two documents (secondary evidence): one from List A and one from List B. List A U.S Public Birth Certificate Consular Report or Certificate of Child Born Abroad. Department of State Form FS-545. Department of State Form FS-240. Department of State Form DS-1350. Individual Fee Register receipt (INS Form G-711). U.S. Citizen Identification Card (I-197 or the prior version I-179). Federal or State census record showing U.S. citizenship or U.S. place of birth. A Northern Mariana Identification Card issued to a collectively naturalized citizen, who was born in the CNMI before November 4, 1986 (I-873). Adoption Decree. A final adoption decree showing the child’s name and U.S. place of birth; or If the adoption is not finalized, a statement from a state-approved adoption agency that shows the child’s name, U.S. place of birth, and birthdate or age (the adoption agency must state in the certification that the source of the place of birth information is an original birth certificate). Documentation of a foreign-born child (including a foreign-born adopted child) who received automatic U.S. citizenship through (IR3 or IH3) or the Child Citizenship Act. Documentation must clearly show the child’s name and date of birth. U.S. military records showing a U.S. place of birth. Evidence of U.S. Civil Service employment before June 1, 1976. U.S. medical records, including but not limited to hospital, clinic, midwife, or physician records or admission papers from a nursing facility, skilled care facility, or other institution.Records must: Indicate U.S. place of birth. Be signed and on hospital letterhead. Be established at the time of the person's birth. U.S. insurance records showing a U.S. place of birth.Records must: Indicate U.S. place of birth. Be created at least five years before the initial Covered California application date, unless the applicant is under the age of five. Official religious records recorded in the U.S.Records must: Be created within three months of birth. Indicate U.S. place of birth. Indicate the date of the birth or the individual's age at the time the record was made. Be an official record recorded with the religious organization. School records including pre-school, Head Start, and daycare records.Records must: Indicate the child’s name. List B Driver's license issued by a State or Territory, or ID card issued by the federal, state, or local government. School identification card. U.S. military card or draft record or Military dependent’s identification card. U.S. Coast Guard Merchant Mariner card. A clinic, doctor, hospital, or school record, including preschool or day care records (for children under 19 years old). Two documents containing consistent information that proves the applicant’s identity, such as: Birth Certificate. Social Security card. Marriage Certificate. Divorce Decree. Employer identification card. High School or College Diploma (including high school equivalency diplomas). Property deed or title document.
  • Proof of Social Security Number (SSN)
    Submit a copy of one of the following documents. Your Social Security card. Tax form(s). Benefit or income statement from Social Security containing the Social Security number. Pending application for an SSN. Letter from the Social Security Administration stating that the applicant is not eligible for an SSN or is only eligible for a non-work SSN. Letter stating that the applicant refuses to obtain an SSN for established religious objections (SSN Waiver).
  • Proof of Lack of Minimum Essential Coverage (MEC)
    Enter your answer here
  • Proof of Immigration Status or Lawful Presence
    Enter your answer here
  • Proof of Identity
    Submit a copy of one of the following documents. Driver’s license issued by a state or territory showing either a photograph of the individual and/or other identifying information of the individual such as name, age, sex, race, height, weight or eye color. School identification card that includes a photograph. Voter Registration Card. U.S. Military card, draft record or Military dependent’s identification card. Identification card issued by the federal, state, or local government that contains a photograph. U.S. or foreign passport, U.S. passport card (expired passport may be used) or identification card issued by a foreign embassy or consulate that contains a photograph. Certificate of Naturalization (Form N-550 or N-570) or Certificate of U.S. Citizenship (Form N-560 or N-561). Permanent Resident Card or Alien Registration Receipt Card (Form I-551). Employment Authorization Document that contains a photograph (Form I-766). Native American tribal document with photograph. For children under the age of 16: A clinic, doctor, hospital, or school record. In the absence of the previous, a written statement signed under penalty of perjury by the parents or guardian stating date and place of birth (cannot be used in conjunction with a citizenship affidavit). U.S. Coast Guard Merchant Mariner card. Finding of identity from a federal agency or state government agency including but not limited to public assistance, law enforcement, internal revenue or tax bureau, or corrections agency, if the agency has verified and certified the identity of the individual. If you cannot provide a copy of any of the identity documents listed above, you must provide copies of two of the following documents: Birth certificate. Social Security card. Marriage certificate. Divorce decree. Employer identification card. High school or college diploma (including high school equivalency diplomas). Property deed or title document. Adoption decree. Foreign school record that contains a photograph. Notice from public benefits agency. Union or worker’s center identification card.
  • Proof of American Indian and Alaska Native Status
    Enter your answer here
  • Proof of Non-Incarcerated Status
    Submit a copy of one of the following documents. Official release papers from the institution or Department of Corrections. Parole papers. Non-Incarceration Attestation Form.
  • Proof of Income
    Enter your answer here
  • Notification of a Deceased Covered California Member
    Enter your answer here
  • Anthem
    Anthem offers virtual care visits where members can connect to a doctor, 24/7 If you or a covered family member experiences a common health issue, like the flu or allergies, you can quickly see a board-certified doctor for quality care without leaving home. Click here to learn more about the Sydney Health app that can connect you to doctors at any time, day or night, and often at no cost to you. Virtual care visits with Spanish-speaking doctors are available by appointment 7 days a week. You can also have a virtual care visit with a licensed therapist for stress, anxiety, depression, family issues, and other behavioral health concerns. Psychiatrists are available by appointment when needed. Anthem’s Smart Rewards offers up to $45 to members when they complete their health assessment and in person well-exam. As you complete these health and wellness activities, your plan is updated and you can redeem the digital gift card on anthem.com/ca. SpecialOffers is another way Anthem wants to help support you and your health goals. As an Anthem member, you qualify for discounts on products and services that help promote better health and well-being such as online lifestyle coaching programs and fitness club memberships. These discounts available through SpecialOffers help you save money while taking care of your health. To find the discounts available to you, log in to anthem.com/ca, choose Care and select Discounts. Extra resources: Learn more about the importance of managing stress and protecting your mental health and well-being here!
  • L.A. Care
    For L.A. Care members, Mental Health and Substance Use Disorder (MH/SUD) benefits are covered through Beacon Health Options. You or your PCP can call Beacon’s Behavioral Health Hotline at 1-877-344-2858 (TTY 1-800-735-2929) to get an appointment. Prior authorization is not required for general outpatient health services for in-network providers. In addition, there is no limitation on the number of visits for medically necessary MH/SUD services. For information on services that do not require prior authorization and the general process for obtaining prior authorization for all other MH/SUD services, please call the Behavioral Health Hotline or review your plan’s Evidence of Coverage at L.A. Care Covered™. Source: LA Care Health Plan
  • Kaiser Permanente
    Kaiser Permanente offers different types of care for each member’s unique mental health and wellness journey. You’ll get a personalized mental health treatment plan. You may need to try several options before you figure out what works for you — that’s a normal part of the process. Your provider through Kaiser will help guide you through your options, based on your situation and personal preferences. Services offered: Individual therapy Psychiatry Group therapy Health classes & programs Programs taught by trained instructors, designed to help you strengthen relationships, change unhealthy thinking and behavior, cope with stress, and more. Self-care resources Kaiser Permanente also offers wellness coaching. Get one-on-one guidance and support from a dedicated wellness coach who can help you set goals, stick to them, and, most importantly, see results. And you can do it all from the comfort of home. Partnering with a wellness coach can help you: Manage your weight Reduce stress Quit tobacco Eat healthier Increase activity Call 1-866-862-4295 to make an appointment. Wellness Coaching by Phone is available at no cost to Kaiser Permanente members — and no referral is required. Find Your Words is Kaiser Permanente’s public mental health awareness resource, where members and nonmembers can find: Tips for building resilience and reducing stress Help talking about mental health with others Information about available resources Links to peer support and professional care Find additional resources offered by Kaiser here.
  • Health Net
    MHN Services with Health Net Obtain referrals to outpatient providers in the MHN network or ask questions about your mental health benefits. Find a provider using the MHN search tool here. In the event you need help with substance use or if you are in a crisis, MHN can help you get to the right County agency for help. MHN telephonic crisis support is free, private and available 24 hours a day 7 days a week 365 days a year. Phone number is listed on your Health Net Member ID card. myStrength myStrength, presented by Health Net, is an online tool to help you live your best life presented. You’ll find help for stress, anxiety, chronic pain, and more. It’s safe, secure and personalized – just for you. myStrength will help you with: Building emotional strength Finding inspiration and stories of hope Supporting mind, body and spirit Tracking progress along your journey Learn more and get your wellness journey started here! Source: Health Net & myStrength
  • Oscar Health
    Your Oscar plan covers a range of affordable benefits that can help you manage anxiety, treat depression and other mental health issues, and learn productive ways to cope with stress. With your Oscar plan, you have access to: Psychotherapy counseling (aka talk therapy) with mental health providers that accept Oscar. These visits are subject to the same copayments or coinsurance as visits to your primary care doctor or specialists, depending on your plan. Group counseling for certain mental health conditions. This type of care is often used to treat addiction or as a follow-up to inpatient rehabilitation. This is a great option if you prefer talking it out with your peers. Inpatient and outpatient rehabilitation. This type of treatment—used for issues such as drug and alcohol detox or eating disorders—is available for members looking to treat addiction. Prescription coverage for medications used to treat a variety of mental health conditions, such as depression and anxiety. Not all drugs are covered, but the generic versions of many medications are covered by most Oscar plans with a small copayment. Activity perks to motivate you to get moving. Exercise and physical activity create endorphins (aka happy hormones), which are proven to elevate your mood levels. You'll receive an Amazon gift card when you meet your daily step count on your fitness tracker. Some mental health services, like depression screening and alcohol misuse counseling, are considered to be preventive care – which means they may cost you nothing. Mental health resources available to you right now Emotional Support Helpline: (866) 342-6892: Optum, Oscar’s behavioral health benefits partner, has a toll-free emotional support helpline that’s free of charge and open 24 hours a day, seven days a week. Virtual Substance Use Disorder (SUD) Support: WeConnect provides peer and contingency management support for SUD while members are unable to access in-person support. Virtual Mental Health Visits: We partner with Doctor on Demand* to provide virtual mental health visits. Members can visit DoctoronDemand.com and sign up for an account using their Oscar ID and selecting “Oscar” as the Health Plan option on the drop-down menu. Interactive Tools and Communities: Utilize tools such as Vibrant Emotional Health and Mental Health America (MHA). Plus, you can always talk to an Oscar Virtual Urgent Care provider from anywhere, at $0 through your Oscar plan. If you have any questions about mental health benefits, speak with an Oscar Health rep at 1-855-672-2755 or message your Care Team for advice. For even more resources from Oscar, visit their web page. Source: Oscar Health
  • Molina Healthcare
    Molina Marketplace members can access virtual behavioral health services with no referral needed. Molina Healthcare’s telehealth partners, Array Behavioral Care and Serene Health, offer secure and easy access to virtual behavioral care to all of our Molina Marketplace members. Learn more about these providers and how members can make an appointment below. MOLINA TELEHEALTH BEHAVIORAL HEALTH PROVIDERS Array Behavioral Care Available 7 days a week Next day appointments available Website: arraybc.com/patients Phone: (800) 442-8938 Language capabilities: English, Spanish, French, Cantonese Serene Health Available 7 days a week Same day appointments offered (48 hours max wait for new patient appointments) Website: serenehealth.com/our-patients Phone: (844) 737-3638 Language capabilities: English, Spanish, Italian, French, Russian, Farsi, Chaldean, Arabic, Tagalog Standard behavioral health copay rate applies. For more information about your Molina plan, create an online account here or speak with a Molina representative at (888) 858-2150.
  • Blue Shield
    To help you make meaningful, manageable changes to your lifestyle, Blue Shield offers a suite of total health programs called Wellvolution®, which you can enroll in at no additional cost. These programs offer lifestyle-based approaches to health. Get your wellness journey started here! Learn about even more benefits that Blue Shield offers for Mental Health here! Need help finding a mental health provider? Magellan Assist is a tool that can help find the closest mental health provider or facility to you. Note/Disclaimer: You will need to verify that the provider participates with your specific plan prior to entering into care by calling 877-263-9952.
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