Affordable Care Act

ACA open enrollment is November 1 - December 15
LOCK-IN: Once you have enrolled in the plan of your choice you are LOCKED IN! You cannot, out of open enrollment, change plans.
LOCK-OUT: Unless you have a qualifying event you are LOCKED OUT of purchasing an ACA plan until the next open enrollment period.

There are several qualifying events that will allow you to enroll outside the Open Enrollment window of time. However, there are strict government laws preventing insurance carriers from making exceptions from the "qualifying event" rule.
Health questions regarding pre-existing conditions have been eliminated.
Plans now include maternity, pediatric dental/vision across the board regardless of age or gender. i.e. A 64 year old male obviously would not need a maternity benefit nor is anyone able to utilize the pediatric dental/vision benefits who is over 18 years of age.
Crazy but true.
Preventive check-up is now free. But is it really free?
Probably not as across the board insurance premiums have skyrocketed.

THE EXCHANGE: Purchased DIRECTLY through Covered California web site.
For those who qualify for financial assistance when purchasing health insurance. Your choices are limited to the insurance companies and providers participating.
I DO NOT WRITE THE EXCHANGE GO DIRECTLY TO COVEREDCA.COM

OFF EXCHANGE: 
Plans are still ACA compliant but you do not qualify for subsidies and will be paying 100% of your premiums.
You have several choices of carriers as well as providers.
You may navigate through the list of carrier links listed to the right.
Please don't hesitate to call me. There is a tremendous amount of confusion regarding the Affordable Health Care Act.
I'm Billie Jo Cravello and I can help you. CALL ME!

Cravello Insurance Services
411 E. Betteravia Road., Ste. 102 Santa Maria, CA 93454
805-928-7372

Copyright 2011 Cravello Insurance. All Rights Reserved.