The most frantic calls we receive from California health insurance shoppers typically involve pregnancy and being uninsured.
There have always been some resources available in California for this situation but they've expanded as of late so we'll walk through full spectrum plans to consider if you're pregnant and uninsured in California.
You can always run your quote here:
First, if you have a Cobra or HIPAA option (continuation of group health and back up from Cobra for the latter), make sure to keep these options available.
Do not lapse them as the options available outside of these two may not be better.
We just don't want to lose options.
You can check with your prior group carrier or administrator to see if these are available to you and group health plans generally cover maternity in California.
Cobra is more expensive but you'll have access to the broadest networks of providers which may be important during pregnancy.
Coverage through Covered California and on the Individual market are guaranteed issue
which means that pre-existing conditions and/or pregnancy do not affect our ability to qualify.
There are open enrollment windows (generally Nov 15th-Feb 15th but scheduled to change) during which we need to enroll but pregnancy might allow you to come on board throughout the year.
There are also Special Enrollment triggers that allow this as well (think marriage, loss of coverage, moving, etc).
You can access the online application here:
We may still be able to get the standard plans but it's best to call with your particular situation to 800-320-6269.
Again, there is absolutely no cost to you for our services. Call 800-320-6269 Today!
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We can quickly (very important) size up your health insurance needs and clearly explain the options available to you. Our focus is finding the most coverage at the best cost to you.
We are licensed Covered Ca agents with in-depth knowledge of their plans, process, and tax credits.
Call us...you will be Pleasantly Surprised. 800-320-6269
We'll quickly see if you have the best priced plan available and if you qualify for a tax credit800-320-6269
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