A common question we receive often is pretty straight forward...how long does it take to hear back from the carrier on our application? In fact, it might be the most common question since people are usually not well versed with all the inner workings of health insurance. So let's get some answers!
You can always run your quote here:
The process officially kicks off when the online California health insurance application is submitted or the hard copy has been received in underwriting and payment information is included for the first month's premium. This last point is important as the carriers have tightened up their requirements. It used to be that we could submit the application and forward payment after the fact. That's no longer the case. Going back to it's roots, California health insurance now requires payment up front. If you use credit care or auto-deduction, this is a pretty seamless addition and it can all be handled via the online health application...nothing else is required. If you want to submit a check however, it can slow the process down since they won't start the process until the check is received in house. This definitely adds about a 1 week to the process. Keep in mind that by law, you have a 10 day free look window from when the carrier notifies you of their decision to cancel the policy for a full refund...for any reason. Let's assume we have completed health application and payment info in house. Now how long?
You can access the online application here:
Once the online application has been completed for all family members, we usually get a decision in 7-10 business days. All told, for the bulk of our applications, we're looking at about 2 weeks to process and get a decision. This times nicely with the current rule on effective dates which has to be 15 days following application receipt at the earliest. So this is our baseline timetable for processing an individual family health insurance application in California. Can it go further than that? Yes but rarely.
We have priority processing with the bigger carriers in California due to our volume which is free to you when you apply through our site. You can also get updates directly from us and we check for changes in status daily for in-house applications. If you have any other questions please let us know.
Popular Related Pages:
"My sincere thanks for making a miracle happen- 2014 health insurance !! Many thanks for your expertise and advice yesterday !!"
"Thanks again for your help - I had absolutely no idea how to get this done when I got up this morning. You've made it remarkably easier than I expected. I hope you're not stuck at the office all night..."
"Anyway, I hope you got some time off this past week! Thank you again for your help and efforts on my behalf! I was very lucky to find you."
"I thank you very much for the time that you have invested in handling everything
"I truly appreciate the quick response and will think of you in the future if I need to make any changes to my insurance plans."
"You are awesome... takes a huge worry off my back, thank you for your kind. thanks for your time and kindness. !!"
"Wow, I can't thank you guys enough for your help...I couldn't imagine trying to tackle this on my own!"
"You are my new best friend. A HUGE thank you again.
20 years of experience in the California health insurance market has taught us one thing...Competent and experienced guidance is Invaluable
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
This website is owned and operated by Goodacre Insurance Services, which is solely responsible for its content. This site is not maintained by or associated with Covered California, and Covered California bears no responsibility for its content. The email address and phone numbers that appear throughout the site belong to Goodacre Insurance Services, and cannot be used to contact Covered California.