GoDirect Health Insurance Services

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FAQ

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The implementation of the Affordable Care Act of 2010 changed the healthcare and insurance landscape for all Americans. Most people are confused by the talking points and headlines.

Our representatives know all the internal details and can help you find the right health plan for your family. We work with all major insurance company’s directly and also via Covered California if your income qualifies you for subsidized coverage. If you need help with acquiring any health insurance related plan, need help understanding your current plan coverage or would like a no cost analysis of your situation, stop by or call today.

We charge no fees to guide you through finding the right plan and coverage for you and your family. No obligation.

 

Trending Frequently Asked Questions

When can I enroll?

Enrollment runs year round.  The annual “open enrollment” happens every fall and runs from October 15th through January 15th.  Individuals can enroll during “special election period” from January 16th through October 14th with a qualifying life event such as marriage, the birth of a child, moving from one county to another or commonly with a loss of employer sponsored coverage.  There are numerous qualifying life events, see one of our agents to see if you qualify for special enrollment. Medi-Cal enrollment is also year-round.

How much does it cost to buy insurance through Covered California?

The best way to get a quick estimate of the price you would pay is to use the Shop and Compare Tool. The price is based on your estimated income for the coverage year, your ZIP code, your household size and your age. If you are a low- or moderate-income Californian, you may get help buying insurance from Covered California through monthly subsidies that lower your premium costs so that you pay less for top-quality, brand-name insurance.

What if I choose not to get health insurance?

If you have the unforeseen event and get sick or hurt, you could be financially responsible for all the claims for your care.

I received a Form 1095-A from Covered California. What is Form 1095-A?

The 1095 shows how much subsidy was paid for your insurance and is proof of being covered in that particular calendar year.

Does Covered California offer dental 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.

Does Covered California offer vision coverage?

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.

How do I enroll in health coverage?

We are here to help you with that. Call Us at (888) 411-1095, Email Go Direct at info@godirecthis.com, or stop by one of our enrollment centers Monday through Friday, all year around.

What if I want to change something about my health coverage or renew my plan through Covered California?

We are here to help you with that. You can:

  1. Call Us at (888) 411-1095, or
  2. Email Us with the Contact Form, or
  3. Come into one of our offices. We have two convenient locations: Huntington Beach or Costa Mesa
What are the health plan options?

You’ll have a choice of buying insurance from at least two but as many as six private insurance companies, depending on where you live. The vast majority of Covered California consumers have access to insurance plans from at least three different companies. Each insurance company offers products in all four metal tiers (bronze, silver, gold, platinum).  The plans will vary based on whether you want to pay more for your monthly premium and less when you see a doctor, or pay less for your monthly premium and more when you see the doctor. Consumers with limited incomes may learn they qualify for Medi-Cal.

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.

Does Covered California offer health coverage for small businesses?

Businesses have many options to explore and consider. We can assist you with plans from Covered CA and also assist you with plans directly with the carriers outside of Covered CA.

I recently received a letter from Covered California. Where can I get more information?

There are many reasons Covered CA would send written correspondence.  Contact us and we can help you with this.

When will I get my bill?

Depending on the plan and insurance company you select, you may be able to pay your first bill (binder payment) when you apply for coverage.  It is imperative to make your first bill payment before the effective date of coverage.  All future bills must be paid directly to the insurance company, 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 effective date. 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.  Or contact us directly for further assistance.

I applied for Medi-Cal but have not received any information from the county. What should I do?

If you have already applied, you do not need to apply again. Medi-Cal is processing your application as quickly as possible. Because of the large number of Medi-Cal applications received, processing could take longer than expected, and proof of certain information is required in order to complete each application. If you need immediate assistance or have a specific question about your application, contact your county human services agency for in-person assistance with your application. You can also find more information within the Medi-Cal section of this website and on the California Department of Health Care Services’ website.

How can I find out if my doctor is in a plan offered through Covered California or if my prescription medication is covered?

If you have not selected a health plan, the best way to find out if a doctor is in a plan you are considering is to look at your options in Preview Plans and follow the “View Directory” link for a specific plan to see the plan’s provider directory on the insurance company’s website. If you have a specific doctor in mind, it’s also a good idea to call that provider’s office and ask about the insurance it accepts.

If you have already selected your health plan, go to your health insurance plan’s website and look up your provider (doctor, hospital, etc.). Doing this prior to making an appointment can help you verify that your provider participates in your chosen plan's provider network.

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.

If you were covered this year and keep the same health insurance plan into the following year you will receive a new ID card. 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.