People in the United States move around quite a bit.
This poses quite an issue in terms of Individual health insurance as the carriers are separate companies from State to State and for the most part, health insurance does not transfer across State lines.
The other issue is for people that live next to a border where medical providers might only be 5 minutes away but in a whole different State.
You can quote the California health insurance options available here:
Let's look at how California health plans address coverage in other States.
We typically get calls from people moving to (or from) California who just want to transfer their health plan over.
Unfortunately, it's not that easy.
Each State's health insurance is separate and even if a carrier (say Anthem) operates in both States, the plans, regulations, and options are different.
Some big carriers like Anthem may have transfer options but the best rates and options require re-applying in the new State.
A few key points.
You must enroll within 60 days of moving to the new State.
Otherwise, you will probably need to wait till Open Enrollment but call us at 800-320-6269 as there are some avenues to enroll.
Your effective date depends on when in the month you enroll.
If you enroll from the 1st to the 15th of a month, you can get the next 1st of the month. If you apply after the 15th, your effective date may move to the next 1st of the month (unless you're also losing coverage).
Generally speaking, the carriers may only provide true emergency coverage (check with carrier for their definition of emergency but be conservative) out of State for HMO plans.
Always check with Carrier regarding their rules for out of State.
Some carrier have very limited if no networks outside of the State.
There are locations along the California border where health care providers may be just across State line.
The same general guidelines above for out of State are a good rule of thumb but some of the major California carriers address this issue by extending networks in such areas.
Other important concepts to help you understand your California health insurance quote are:
Again, there is absolutely no cost to you
for our services. Call 800-320-6269
"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.