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Delta Dental Quoting

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Payments

Which carriers will accept EFT?

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See the chart on page 13 in the Covered California Plan Options participant guide.

What are Automated Clearing House (ACH) transactions?

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It’s a mechanism by which banks are able to transfer money directly from one account to another, i.e. it’s a direct withdrawal from a checking account.

If the applicant submits the application on the 10th and the insurer receives the check for the first month’s premium on the 20th, what is the effective date of the plan?

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In order for coverage to start, payment must be received in full by the Covered California health plan that the consumer selects.  Hence, if the consumer remits payment between the 16th and the last day of the month, the effective date is the first day of the second following month.

For families who choose different plans in the Individual Marketplace for each member of the family, will multiple payments have to be paid?

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Yes.

To whom will Covered California for Small Business premiums be payable?

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Covered California for Small Business premiums will be payable to Covered California. Covered California will invoice and collect both initial and monthly premiums from employers and provide payment to the appropriate health plans on behalf of the small business.

Will EFT be available during enrollment?

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Individual and Family – All payments should be made payable to the selected health plan. Covered California health plans accept payments via personal check, money order, or re-loadable credit, debit and prepaid cards that contain a Visa, Mastercard or American Express symbol. Some Covered California health plans are planning to include other payment options including cash, delivered in-person to a designated payment facility, or Electronic Funds Transfer (EFT)/Automated Clearing House (ACH) transactions. See the chart on page 13 in the Covered California Plan Options participant guide.

For open enrollment 10/1/13-3/31/14, if someone registers for 1/1/14 start do they have to pay immediately?

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In order for coverage to start, payment must be received in full by the Covered California health plan that the consumer selects.