Apply for Coverage
Prepare for Next Year's Open Enrollment Period
- Evaluate your current plan
Get a head start by confirming your employer's open enrollment period, marking your calendar and setting up reminders. Think about how well your current plan works for you. Look at its costs, convenience and coverage. - Pick a plan
Just log in to your benefits enrollment site to find all plans and programs available to you. Set aside time to review your options and compare them side by side. - Enroll in the right plan for you
Your new coverage starts on January 1 each year. You'll automatically be disenrolled from your old plan when your new coverage begins.
Enrollment Overview
Where should I start? Choosing the right plan can be daunting. Watch this video to understand how to start the process.
Select the Right Provider Network
Where do you live?
We offer two great provider networks to choose from — Performance and Premier. Performance covers a wider geographic area and is a great choice if you live or work in North County. It also includes the Rady Children’s Health Network. Premier is ideal for those who live or work in central San Diego.
Who is your doctor?
Be sure to choose the network that includes your doctor. If you’re also looking for health insurance to cover your spouse and/or dependents, their doctors will be need to be in the same network too. If you don’t already have a doctor, we can help you find one for you and your family.
Choose the Right Plan
Premiums vs Copay
If you prefer to have a lower copay and a higher premium, look for a benefits-rich plan like the Platinum or Gold plans. If you prefer a lower monthly premium and higher copays, check out our Silver or Bronze plans.
How often do you visit the doctor?
If you don’t visit the doctor regularly, you may want to consider one of our high-deductible plans. If you see a doctor or specialist more often, a plan with either a low deductible or no deductible might be right for you.
COVID-19 Protections
COVID-19 is a dangerous virus that everyone ought to be able to protect themselves and their family from. Understanding how your insurance helps protect you and your family from this disease is important.
Covered California Plans
Enrollment Periods Explained
Here’s what you can do during our open enrollment and special enrollment periods.
| Open enrollment | Special enrollment | |
|---|---|---|
| Change your primary care physician | Yes | Yes |
| Update your contact info | Yes | Yes |
| Cancel your coverage | Yes | Yes |
| Enroll | Yes | Yes |
Four-Step Process to Picking a Plan
Finding a health plan and selecting the right amount of health insurance coverage is a big decision. We all have different needs and preferences when it comes to our health coverage. It's important to choose a plan that's right for you and your family. This four-step guide can help you get on the path to picking a plan.
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