Covered California

First, they told me that I qualified for Medical and would not help me. Medical denied my claim so I thought I was paying my premium myself. I found out that wasn't true when I filed for taxes and the federal government took out of my return the amount coveredCA paid.
Now, unaware I had to call a month before my premium is to be cancelled, I have a bill for my premium. I called and no one could change the date of cancellation to be the day before my company starting paying for my premium. I had to file a complaint which can take 60 days before I hear anything. Meanwhile, I still have a bill for a premium that I do not need which will affect my credit score. Thanks for your help!

Let's be clear. The state of healthcare in the US is an utter disgrace. I would not have insurance AT ALL were it not for the ACA, and would now likely be dead. Yes, premiums are out of control. Yes, coverage is dwindling. But did I mention that I'm still alive? That, and I've had (almost) universally excellent customer service from the Covered CA staff, who surely are on the receiving end of a lot of misplaced anger. Keep up the good work, and here's hoping it gets better!

Covered California does not work for us living in the ******* Needles area an unincorporated area of San Bernardino. We have to drive 4 hours to see a specialist at Loma Linda. We are closer to Arizona, but oh no, it can't be used there. I have become a cash paying customer. If you go In to edit your income, it won't retain what you entered, it will use the old amount. I got Blue shield instead, what a mistake. I was bounced back and forth between covered California and blue shield

$1275 bill from Kaiser saying that Covered Ca is not going to cover me anymore because I moved. This "notification" was sent to me via mail and must of been lost in transit because I didn't receive it. Getting a notice that I will be billed $1275 is not something I would overlook considering I have not had a job in a few months and could not afford a bill like that. After over 5 hours of calling back and forth and getting the runaround I demanded a supervisor (Lisa) and they were the most worthless, rude and condescending supervisor I've talked to in my 45 years on this earth. I know this review may not mean much, but hopefully one day someone will see this that can do something about this broken system. Meanwhile, I now have to dispute the charge on my card which is not the way I wanted to handle this situation. No one has a backbone anymore and it is sad.

This is the most non-intuitive, confusing enrollment process I've ever been through. The most confusing part is trying to determine if your existing physicians are in the health plan's network before you choose a plan. The provider directories are not up to date. My doctor is not in the Covered CA database, nor the health plan database, but when I call the health plan and the doctor's office, they confirm that they are included in the insurance plan's network. Are you supposed to trust that? When it's not in the online database? Also, if you need to make changes to your information in Covered CA, it is so confusing about what to click; the labels they have for things make no sense to normal people, so you don't know what to choose. The site was developed using jargon and gobbledegook that only makes sense to people in the insurance industry. I keep wishing I would get older faster so I could just get on Medicare and be done with all this complete nonsense.

It's only useful for not getting screwed on your taxes.
Weeks and weeks to book an appointment.
At the end of the year make sure they aren't sneaking your premiums up.
Last year blue shield tried to charge me 300$ a month for their non existent coverage.
Parasites

Below is a list of my discoveries while insured under CoveredCA.
-Website is more vague than helpful. I found this out the hard way during tax time.
-The plans are horrible. High premiums, Low coverage.
-If you don't report any changes to your salary during the first 6 months you obtain insurance, they will drop your coverage; and it may effect your taxes for the following year.
-If you get a salary increase, the premium triples. Even if you are the sole income earner in your family.
-If you make too much (ie $1 over poverty level), you won't get the credit.
-Calling in to get any support is a joke. Don't bother.

Health Insurance through CoveredCA should had never been approved base on a person's gross income. Since all patients monthly premiums are paid directly to their health insurance plans and not Covered California. Also people whose income is low that should be optional if they want to apply for Medi-cal benefits.

The service CaCovered offers overall is great. But the website creates real problems for the information that is entered. The CaCovered helpline is good, but they do not have the power to change or revert data that needs fixing. The data entry functions for changing income is really problematic, especially the dates field. Changing plans is also convoluted and site navigation loops around. The plan comparison webpages are good. Physician search is also pretty good. But the rest of this portal needs to re-beta test some new programming.

If you want to have the worst time and spend hours dealing with them, this is the service to use! They always make trouble.
I have been trying to have my insurance through their service, but they canceled it at the beginning of the month, in the middle of the month, and are not even giving me a refund! I made the payment, and they said everything was alright, then without any notice, they canceled my insurance. They are not trustworthy and are awful.
They do not care about people and do not even know what they are doing. Each agent is saying the other agent did something wrong, and even the supervisors cannot figure out the case. The agent is saying one thing, the Covered California supervisor says a different thing! Total mess! Try not to deal with them and not to apply for an insurance through them!

How to resolve any issues caused by Covered CA process or web site:
1. Request internal escalation by Covered CA. If that is denied (usually by a personnel who does not want to listen to you and could be rude) go to the next step -
2. File a complaint on the Covered CA web site.
Most likely that will be denied as well by a very uncooperative and rather rude person.
Then...
3. Open a case with the California State Fair Hearing Board (acms.bss.ca.gov) or phone 8 0 0.7 4 3 8 5 2 5
There you will find yourself talking to a very nice person, who will help you immediately file the complaint.
Very soon after that the complaint reaches Covered CA, and quickly a very nice and fully cooperative person from Covered CA will most likely resolve your issue in attempt not to go to a judge. Note: if is not resolved by this time - the case will be presented to a judge by the Fair Hearing board. It is not like going to court. Judge may just call you and talk to you on the phone.

The county and the agencies waste peoples time. Take you in circles, change your income in their system, cause too many errors and on top of that you end up paying fraudulent cost and its their fault or on purpose they cause you many problems so you dont be able to use your health plan but just pay them monthly high prjces that at some point you end up paying late but they block you from usong the health insurance until you pay them what they want. And to make it cute.You dont pay for insurance then IRS or California government punishes you with a fine that will be charged as a penalty fron your taxes. FRAUD simply as that and no one cares to help us.

Bureaucratic nightmare! This is not affordable at all. Plans are horrible. Middle-age people are screwed. Too young for Medicare. Too old for Medi-Cal. Medi-Cal is also awful.Deductibles are extremely high. No real choices. This is fake insurance. Just get a PPO with the highest deductible. Save your money and pay cash out-of-pocket to the doctors. Don't even bother with the scam insurance unless it's an emergency situation and even then it's a bureaucratic nightmare. We get a lot worse care and pay a lot more money. Thank you Obama care thank you governor Newsom. Thank you for screwing people who really need help. You all should be ashamed of yourselves.

Thank heaven we hit retirement age and got Medicare! We will no longer have to deal with this scam outfit (*after* they suck thousands out of our savings next year, to cover our 3 months of tax credits during 2021)! - We've been ruined by Covered California! Try paying back $15,000.00 in health care credits to the IRS in a year like 2020, with nearly no income due to the pandemic. It's pretty difficult! - We lost our meager life savings because of these thieves! I will go to my grave *praying* that all the evil people responsible for Covered California burn for eternity in hell.

I don't even know why I need insurance when most won't take Covered California plans. Granted I'm paying a dollar a month so beggars can't be choosers but at least offer something that actually is useable. Don't go around parading health insurance for all if it's insurance in name only and no one accepts it. Done looking for doctors who will actually take this crap. I guess I'll keep it till I'm making enough money to afford real insurance so I can not get penalized for not having health insurance cause that's all this seems to be good for.

I cannot begin to express how much I dislike Covered California. It's a nightmare every year. The website never works/loads/saves properly... and don't get me started on it's employees, super unhelpful. I spent hours trying to find/enter/fix/save information and I'm still not done. I truly hate it. Also, I do NOT want your "financial assistance". It's seriously not any type of 'help'. You are killing us financially with it. I'm tired of owing it all back in taxes, because your calculations are inaccurate. I dread having to go onto your joke of a website every November/December only to be stuck with this expensive, garbage insurance all year, and be screwed over every February on taxes. Plus, more than once, it has told us that our doctors accept the insurance we're applying for, when they actually do not. So what is the point of insurance that you can't even use when you go to the doctor? So infuriating!

One of the worst insurance experiences. Would give zero stars if possible. Site and account errors, including an unauthorized adjustment by the county to my account that resulted in pricing errors and future tax implications. Covered Ca could not fix, and when county finally addressed, Covered Ca retroactively increased my payment amount. Absolute nightmare, hours on phone. Forget Covered California and either go to the insurance directly, or forgo altogether. Expensive, exhausting, and coverage is bottom level.

I went to the covered california website in December of 2022 hoping to change my health insurance. That's it, just get some factual answers and then change to a different policy but apparently that is not what they do. At no point do they make it clear what they offer they just automatically shuttle you into an application for aid (i don't need that) once that was done they say sorry no help for you and that's it you are done. No matter where you go in the website you always get sent back to asking for aid. If you make an incorrect answer to a question and you go back to fix it the script sends you back to the beginning saving none of you answers. How infuriating is that! I thought this website was about helping me find and select healthcare but i guess I was wrong. Now my only option is to ask questions from people who are selling healthcare, an option which is not likely to get me any impartial answers and might actually get me a lot of misleading answers. I suggest that all web designers ask themselves a few questions before they turn their creations lose on the public. #1 did i make clear what we offer? #2 Will my site save data for the customer until they are actually done and have indicated so? Will my sites responses anger the customer? (like when you won't allow me to answer a question truthfully because you don't like the way I wrote the answer.) Are my links circular? Will they always just take you back to the beginning instead of to what the customer wants. By the time I had spent 10 minutes on this website I was tearing my hair out. Thanks for nothing.

Recently was cutoff from one CA Covered customer representative by accident I assume and when I called back was answered by a man slurping his soda and long gaps of silence, rustling papers and no sense workplace pride. Nothing was accomplished. He said everything was done, and I waited for him to hang up to provide customer feedback, he just stayed online and never hung up, knowing I was waiting to give a feedback report.
I called back a third time and talked with a woman who was very professional, courteous and productive. It is unfortunate that one person makes a rotten phone experience for the others that Work hard to maintain a positive Covered California experience. There are plenty of people looking to fill jobs of people unwilling to work.