All legal terminology contained within the ensuing document exclusively governs every appropriate use of the Site herein referred to as www.individual-insurance.com. For the purposes of these terms, the word "Site" will be fully interchangeable with www.individual-insurance.com, which produced the Site for collective Internet access. Subsequently, they will be identified as the "Site proprietor" (and also shortened to "we", "us" and "our" on occasion).
WHEN YOU USE THIS SITE IN ANY FORM OR MANNER, YOU FORFEIT ALL RIGHTS TO DISAGREE WITH THIS TERMS OF SERVICE; FURTHERMORE, ACCESSING THIS SITE INSTANTLY CONSTITUTES CONSENT TO ALL LEGAL TERMS AS THEY DIRECTLY APPLY TO YOUR USE.
Only individuals above the age of 18 are permitted to use this Site, and residency within the United States is a mandated prerequisite for access.
Overview of Services Available from Site: Via this Site, we provide a courtesy that offers consumers an opportunity to request insurance and discounted quotations through a network of application processors. These two choices are put forward by a multilayer web of representatives alongside connected agents and brokers.
Service providers of other kinds may also be included in the network we connect consumers with. Our overall intention is to gather useful data for dissemination among people that can implement the information in their own choices pertaining to insurance proposals.
When users input the appropriate information that is mandated to submit a digital proposition, all efforts will be made to create suitable affiliations with discount curators, helpful brokers and agents, as well as any other business that provides compatibly advantageous utilities to consumers.
We do not employ any function of this Site to the issuing of bind coverage. Similarly, our operations do not include issuing insurance contracts. On top of that, we use our discretion to refuse any specific endorsements regarding particular agents, regulations and retailers in the insurance realm. No guarantee is extended by us affecting or safeguarding the interactions of third party organizations that reach out to you as a direct response to your tendered application; naturally, this lack of accountability applies to every broker and agent, individually and collectively.
The behavior of insurance agents does not fall within our obligations in any fashion whatsoever. We cannot be considered responsible for their conduct at all. The actions of all persons and groups you are matched with fall under their own independent and respective terms of services. Those that need personalized advice and specific recommendations are advised to immediately look for alternative assistance via expert insurance providers, representatives and agents/brokers.
Every form of using this Site shall not result in any costs, fines or fees.
Dominion Custody: The affiliation between users and the sole Site Proprietor are controlled by these proprietary rights. Every bit of information stored on the Site is governed by an inherent and emblematically individualistic ownership. This exclusivity applies only to all content directly controlled and operated by the Site Proprietor, which ultimately includes display features, layout of content, general appearances, arrangement of data, original text and lines of coding. The overall feel of the Site also cannot be imitated. The Site Proprietor reserves and withholds every applicable right, particularly in matters of intellectual ownership, proprietary rights and copyrights and patents that are active or pending, which are detailed in the following clauses. Legal application of such rights are not strictly reduced to covering the previously discussed determinants.
Your capacity to access the Site in part or whole cannot be equated with ownership of any materials, data, framework or thoughts contained within. Rules pertaining to exploitation will be fully enforced against any party that commits an act of unauthorized commercial gain or intent to profit. This is preemptively and protectively prohibited. Users only have the right to view content on the Site through a secure connection that exists on a personal computer device. Those wishing to use materials for personal purposes that are completely non-commercial are given the retractable right to make individual copies or prints of pages. Unless they fall into this category, reproductions are expressly prohibited. Identically, a ban applies to all kinds of distribution that violate the aforementioned terms.
Your employment of this Site must not diverge from the regulations previously detailed in explicit terms. Any users found contrasting from the general rules above can and will be held in contempt of various United States' copyright proceedings. Others crimes will also be duly reported. Any relevant state and federal laws will be enforced, and international protocols can also be acted upon. Every form of unauthorized access will eventually culminate with you being treated as a subject of liability. No license has been, or will ever be, provided to let users of the Site act as representatives by employing false and fraudulent use of our logos, brand trademarks and copyrights.
The contents of every User Submission are the exclusive accountability of the individual that chooses to share such information. You must accept your obligation to solely manage all disseminated data. We will not, at any point, be considered accountable for the preservation and upkeep of User Submissions. We reserve the right to destroy any information you share at any moment. Our capacity to deny certain User Submissions will not be limited in any fashion. We expressly withhold the discretion to identify certain User Submitted content as obscene, against the law, or a direct violation of this legal terms of service, which constitutes a binding contract. Appeals are permanently prohibited, so all determinations are completely conclusive. If you re-post content that was subjected to a prior deletion, your account may be irrevocably erased from the Site.
Conduct of Users: While accessing this Site, you formally provide an explicit agreement to never post, transmit or circulate the subsequent content: (1) materials secured by intellectual property laws and/or copyright protections, unless permission was received from the proper owner prior to posting; (2) any material deemed defamatory, derisive, reproachful, slanderous, libelous, malicious, injurious, unlawful, spiteful, objectionable, censorious, rude, unkind, invasive, sexually graphic or violent (explicit or implicit); (3) content that reduces or interferes with the enjoyment of others perusing and using the Site; (4) text or images that instigate criminal behavior and illegal activities, therefore summoning charges of civil liberty; (5) computer worms, infections, viruses, spyware, malicious coding, malware, deceptive URLs, unverified claims, deceitful commercials, Trojan horses, and any other contribution that could be considered hazardous.
You also affirm that you will abide by our usage requests by promising not to do any of the following: (1) fraudulently misrepresent, imitate, or impersonate any entity or organization other than your own; (2) commit practices that constitute commercial intentions and profits; (3) subject the database to scraping, or any similarly devised technique that employs our user list for the purposes of spamming via the Site (i.e. pyramid schemes); (4) attempt to earn non-permitted access into any machine or system through the Site. Causing issues with anyone else's use of the Site is similarly prohibited. If a publication has not been willfully made available for public consumption, you are banned from even trying to read or access it. Any account suspected of unauthorized entry will be terminated immediately. All behaviors that fall under our classification of hacking will be eagerly punished to the fullest extent of the law. Prosecutors will avidly enforce our rights in compliance with the American justice system. Remember, you assert by using this Site that your active participation will not hurt, disable, slow or damage the Site.
All parties associated with the Site Proprietor must be indemnified and guarded by the entire user base. You submit an agreement declaring your duty to protect them from all potential costs, claims and legal liabilities. You officially state all workers, associates, officers, enforcers, managers, middlemen and officers to be 100% harmless in regard to any instances of court filings and perceived wrongdoings.
Wrongful use if this Site will lead to your obligation in covering any legal expenses, attorney fees and monetary recuperation. Issues that result, directly or indirectly, from your misuse of the Site (including hazards caused by harmful messages) will be regarded as instantaneous transgressions against your faithfulness to this terms of service.
DISCLAIMERS OF WARRANTY. WITHOUT ANY LIMITATIONS WHATSOEVER, EVERY OFFERING, SERVICE, ASSET, ABILITY AND UTILITY GRANTED BY THE SITE IS GIVEN TO THE PUBLIC "AS IS". BECAUSE ALL MATERIAL IS PUBLISHED ON AN "AS AVAILABLE" BASIS, NO WARRANTY OF ANY FORM WILL BE ISSUED OR IMPLIED. WITH NO LIMITS OF ANY KIND, EVERY POSSIBLE WARRANTY PERTAINING TO DATA, TRANSMISSION, RENDERING, TENDERING, LACK OF INTERRUPTION, TECHNICAL PRECISION, ABILITY TO ASSIST, FREEDOM FROM INFRINGEMENT, ADAPTABILITY TO PARTICULAR FUNCTIONS OR MARKETABILITY ARE HEREBY FOREVER DISCREDITED, DENIED AND DISAVOWED. THIS DISCLAIMED STATUS EXTENDS TO EVERY ASPECT OF THE SITE'S INTERIOR AND EXTERIOR PRESENTATION, BOTH OF WHICH ARE ALSO EXEMPTED FROM ANY WARRANTY. THE SITE, ITS SERVICES, AND ALL CONTENT STORED WITHIN, ARE MADE AVAILABLE WITH ZERO WARRANTIES, GUARANTEES OR PROMISES. WARRANTIES ARE SIMPLY NOT AVAILABLE IN REGARDS TO UNINTERRUPTED ACCESS OR FREEDOM FROM ERRORS AND QUALITY CONCERNS. FIXES WILL NOT BE MANDATED AT ANY POINT. NO COMMUNICATION OR CORRESPONDENCE (WRITTEN, ORAL OR OTHERWISE) POSSESSES THE POWER TO OVERRIDE THIS COMPLETE DENIAL OF ALL WARRANTIES FROM THE PAST, PRESENT AND FUTURE. IF YOU FIND THE RULES AND ORDERS OF THIS SITE UNSUITABLE FOR YOUR OWN PURPOSES, THEN THE ONLY USEFUL SUGGESTION IS TO SIMPLY STOP ACCESSING OUR RESOURCES ALTOGETHER.
LIMITATIONS ON LIABILITY: THERE ARE ZERO POSSIBLE EVENTS THAT MAY EVER CONSTITUTE THE LEVYING OF PUNITIVE CHARGES OR EXEMPLARY COLLATERAL AGAINST PROFESSIONAL PARTIES ASSOCIATED WITH THE SITE AS A CONSEQUENCE OF USER MISCONDUCT. THIS EXTENDS TO DIRECT AND INDIRECT ACTIONS, AS WELL AS AN INCAPACITATION OF USE. PREEMPTIVE DEFENSE AGAINST ALL LIABILITIES IS APPLIED TO ALL REPRESENTATIVES, OFFICIALS, ASSOCIATES, ASSISTANTS, PROVIDERS, RESPONDERS, HELPERS, WORKERS, DIRECTORS, CURATORS, PRODUCERS, CREATORS AND AGENTS (IN COLLECTIVITY: "FULLY PROTECTED ENTITIES").
Linking On The Site: You agree that we hold zero accountability for the accuracy of Web addresses and sources listed on the Site. When it a site is linked, no further relationship is implied or stated as existing among us and the other parties. You fully understand that we claim no responsibility for any issues or troubles that are supposedly caused by the materials and methods of a linked location. Our Site's Proprietors have given no contribution to the production, management or safety of sites being linked. The appearance of a link is never indicative or representative of sponsorship or endorsement. It is not our job to stay current on the content being published by sources shown as linked websites. In the same sense, problems caused by poorly typed addresses and domain names do not fall under our jurisdiction or domain. Therefore, you are tasked with the duty of double-checking every URL prior to the initiation of a connection. Please employ extreme care while perusing the Web to eliminate such risks.
Applicable Laws/Protocols: All offices that manage the Site are contained within the United States of America, and we grant zero permission for our content to be accessed from other regions. Those that choose to view this site from afar are acting on their exclusive volition. These individuals and organizations are singularly accountable for their adherence to local laws. While we adamantly attempt to illustrate disincentives, our techniques will never be fully capable of stopping international connections. To stave off all possible consequences of this matter, we must enforce a policy of no liability whatsoever.
If you decide to object to this collection of official legal rules, then you void your right to use the Site in any manner, function or form. Additionally, this agreement is periodically subjected to occasional alterations that happen with zero warning.
Direct updates to the Site typically signal these particular changes. As such, it is solely your duty to stay up to date on these regulations at every moment. You are required to read each unique stipulation stored in this contract, and you must promise to follow every rule with exactness. Finally, if your connection to our database falls under a modified edition of this document, then you provide a formal guarantee to adhere to all changes represented in the edited terminology.
Disclaimer: www.individual-insurance.com is a privately owned and operated independent healthcare marketplace, not a health insurance carrier or government website. Any logos, copyrights, or trademarks are the property of their respective owners. Insurance products, companies, and regulations vary by state, and the insurance companies and/or products listed or displayed on this page may not be available in all instances.
Answer: Yes, thousands of doctors accept insurances that participate in the CoveredCA market place. Doctors availability will vary based on the insurance provider.
Answer: The available Insurance companies vary from region to region.
Answer: We are compensated either by the state directly, or by the Insurance provider. There is ABSOLUTLY NO COST to the insured. This allows us to be able to continuously help with any Insurance issues that our clients have year round, not just during open enrollment.
Answer: Yes, if you would like to make a change in metal level, plan provider, or have a household change we can assist you to make the appropriate changes.
Answer: Doctors networks through CoveredCA and outside of Covered CA are mandated by Federal law to be exactly the same. A doctor who is accepting new patients through any of the marketplace providers must except plans on and off the exchange equally.
Answer: Outside of November-February Individuals will need to have a life changing event that will qualify them for Special Enrollment. These events consist of: substantial change in income, household size change, location change or loss of current benefits.
Answer: Open Enrollment is a time period when Individuals can make changes without pre-requisits. This means that they are able to change plans, metal levels, or companies without having to have a “life changing event” to qualify them. Special Enrollment allows the individual to make the same changes but requires a “life changing event” to happen before somebody can change there plan.
Answer: In general, Subsidies are available for individuals who are residence of California, are legally present, and meet the income guidelines for subsidy.
Answer: Individuals who make above 400 % of the Federal Poverty Level are still eligible to enroll in a health plan through CoveredCA but they will not be eligible for Subsidy. At the end of the year if their income is below the 400% FPL then any amount of subsidy that should have been received will be paid back on the year’s tax return.
Answer: In general Subsides are base on four criteria : Age, Income, Location and Household size. The subsidies are qualified based on a sliding scale that varies based on the previous four attributes.
Answer: In general, A person does not have to be a citizen, but they will have to be lawfully present in California.
Answer: All of the major healthcare providers accept one or more of the plans available on the CoveredCA exchange.
Answer: If you income is not steady, you should still apply for CoveredCA, because it will be adjusted automatically to the correct amount of subsidy based on your end of the year tax filing.
Answer: Yes, Self employed individuals should apply.
Answer: Last year the penalties for not having insurance was 2% of the household income. This year it will be increased to 2.5%.
Answer: The plans that are available through CoveredCA are full coverage. They cover general, preventative, and emergency care.
Answer: To apply you will need to have a valid form of Identification and your basic personal information: Address, Name, Date of birth, and socieal security number ( or alternat citizenship documents).
Answer: There is no charge for our service.
Answer: For new enrollees the insurance coverage will begin January 1 2020
Answer: If you are offered “affordable” coverage through either your work or your spouses work, you will not be able to qualify for Subsidies.
Answer: Your children can stay on your health plan until the age of 26 regardless of there student status, but they must be claimed on your taxes as dependents.
Answer: NO, the Affordable Care Act disallows insurance companies to decline coverage based on previous, current or potential health problems.
Answer : If you overestimate your income and receive less Subsidy than you should have your will receive the remaining amount of subsidy on your tax return. If you underestimate your Income and receive too much subsidy throughout the year you may be asked for a portion of it to be paid back on your taxes.
This Site is not intended for use by anyone who is under the age of 18. You must be at least 18 years old to submit any personal information on, or through, this Site.
To use this Site, you must be a resident of the United States.
The Information We Collect
Our Site collects non-personally identifiable and personally identifiable information.
Non-Personally Identifiable Information
We collect certain types of non-personally identifiable information from our Site. This type of information may include the usage activity, preferences, profile information and demographics of our Site’s visitors.
Personally Identifiable Information
Our Site requests and collects some types of personally identifiable information. This information may include information submitted by visitors and data collected from applications. We gather this information from online applications, comments, forms and e-mail that are submitted to our Site. The types of information we gather may include, but is not limited to, the following:
Why Do I Need to Submit Personal Information?
The rates quoted by insurance companies are determined by several criteria. Because we deal with several companies, we ask questions that are required by these companies to assist in providing you with a match that meets your needs.
Sharing and Usage
All of the information collected on this Site is used for business and other purposes stated in this policy. This information may be used to process your applications, receive insurance quotes or to notify you of our, or our affiliates, products and services. The information you provide may also be used to track your usage of our website, how long you visit the Site or a particular page and what pages are popular. We may use a variety of methods to harvest your information.
The information you provide on your application may be sent to insurance agents, brokers and companies that may contact you regarding their services by telephone, e-mail, postal mail or any other type of communication. We are not responsible or liable for any third party that receives your information and violates our, or their, privacy policies.
Your personal information may be shared with companies that perform technological or marketing services for our company. This information is for use in the performance of these services. Non-personally identifiable information acquired on this Site may be sold or transferred as the result of any sale, reorganization, merger, consolidation, acquisition or liquidation of any of our assets that deal with this segment of our business. By using out website, you also acknowledge our right to disclose any of your personal information in the following situations: If we are defending out rights or the rights of people who use our website If the law requires use to disclose certain types of information If it is suspected that you are involved in any criminal activities
Our company takes reasonable efforts to protect your privacy. We use an encryption process to protect your data when it is transferred to our Site. We take all reasonable precautions to safeguard the information you submit to our Site. However, the nature of the internet prevents us from saying, with absolute certainty, that any of your information that is on our servers or transmitted on our Site will be protected from unauthorized access. We deny any liability for any information that is damaged, lost or stolen as a result of this unauthorized access. By using our Site, you recognize and agree to assume these risks.
When you submit your personal information to this Site, you acknowledge and consent to the transfer, collection and process of this information in the United States as well as other territories and countries.
By submitting your personally identifiable information you are granting permission to agents, brokers and other insurance professionals within our network to contact you through e-mail, fax and telephone. This contact can occur regardless of whether you are listed on a local or national do-not-call list.
Acceptance of this Policy
Estimating Your Family Income
Your estimate should include the combined income of all family members for the year you plan to have coverage.
We ask you to estimate your family income in order to
determine how much financial help you might receive, if any.