Individual & Family
Group health
Medicare Supplement


Free Assistance 800-320-6269

California health insurance  -  Individual California health insurance  -  Delays of California health insurance enrollment

What can slow down the Individual health insurance enrollment process?

IMPORTANT UPDATE:  Since the ACA law, almost all enrollment is done by phone and only takes 5 minutes.  Call 800-320-6269 or get more enrollment information here

The California health carriers have made significant progress in speeding up the application and enrollment process over the past decade. Health insurance used to be like other types of insurance where you essentially submitted your paperwork and figured it would take a month to process (because it did!).

These days, depending on the carrier, it can be a matter of days and sometimes, an approval is automatically generated by the system. Anthem Blue Cross has led the pack in terms of expediting underwriting but the other carriers will follow suit or find themselves to be less competitive in the market. First, let's look at the general timelines.
Medical records request for an Individual health insurance application is the major question mark that affects how long the process takes. If a person is healthy and there are no health issues on the application that the carrier wants to look into, this is the fastest scenario. With Cross, we will usually have a decision in 5-7 business days.

Other carriers may go two weeks or more. If medical records are requested, the carrier typically contracts with a third party company (WFI is the major company) to go out to the doctor's office and copy the needed records. The doctor's office usually requires a pre-payment in advance (the carrier pays) and schedules an appointment to come in. A good doctor's office will typically turn around this process in a week's time but it can take weeks if not more than a month for an office that is too busy or not organized. As the patient, you can put some gentle pressure on the doctor's office to move along and you always have the right to get your own medical records. Kaiser is notoriously slow in providing these records. Once the records are in house with the carrier, we usually have a decision in the 5-7 business days that we mentioned earlier.

These are the most common issues that can slow down health underwriting.

1. Missing information on the application.

Probably the most common issue is that the information on the application is not complete. This is more of an issue with the hard copies as the online application forces you to complete each section before moving on. Plan selection, health history follow-up sections, signatures, and billing information are key areas to double-check.

The health history section makes up roughly half of the application so this is especially important to review. Make sure that for every "yes" answer, you have corresponding information in the following sections where details are listed. Missing information can also affect your policy in the future so make sure to include all pertinent information.

2. Incorrectly answering question.

A common mistake is to rush through the application and inadvertently answer questions incorrectly. For example, we commonly see the female last period question answered incorrectly by women who are in menopause. A "no" answer there needs to be explained.
3. HIPAA authorization not included.  

All California health carriers are required now to attain your authorization in order to request medical records from a third party. They will not proceed without this authorization. It is typically a separate sheet that requires your signature and authorization.
4. Online application issues.

  There are still some areas in the online application where people get hung up. With time, these applications will improve but contact us if you find yourself getting stuck. Typically, there is a checkbox or needed information with a scrolling window which is not readily apparent.
5. Application times out.

This is usually the result of medical records not being received or only partially received. It's very frustrating because in most situations, a new application has be to submitted depending on how old the signature date is. Really try to keep the medical records request moving along with your doctor.
With the above issues successfully avoided, you can expedite the processing of your California Individual health application.

Call us at 800-320-6269 with any questions.  Our services are free to you as licensed health agents.

Access the College Plan Alternative Health quote online

Covered Ca tax credit
Call 800-320-6269
Our Services are FREE to You!

Call to Enroll over the Phone in 15 Minutes

enroll in Covered Ca Exchange coverage

Call 800-320-6269

Anthem Blue Cross California
Blue Shield of California under Covered California
Kaiser of California
Health Net of California
and more
Thousands of Californians
Hundreds of California Companies
Thousands of Californians
Hundreds of California Companies

from SC

"My sincere thanks for making a miracle happen- 2014 health insurance !! Many thanks for your expertise and advice yesterday !!"

from SD

"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..."

from KV

"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."

from EK

"I thank you very much for the time that you have invested in handling everything

from SR

"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."

from VH

"You are awesome... takes a huge worry off my back, thank you for your kind. thanks for your time and kindness. !!"

from SA

"Wow, I can't thank you guys enough for your help...I couldn't imagine trying to tackle this on my own!"

from LM

"You are my new best friend. A HUGE thank you again.

Find out what customers are saying about our services

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 will be Pleasantly Surprised.  800-320-6269

Request a 10 Minute Health Plan Check-up

We'll quickly see if you have the best priced plan available and if you qualify for a tax credit

calhealth website

Our Services are FREE to You is a Goodacre Insurance Services Website

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.