We’ve all heard it … “There are no dumb questions.” Well, when it comes to health insurance that’s really true. And when it comes to the Affordable Care Act and all the changes we’re seeing today, that’s especially true. So here are some questions that people often ask. Click on the question to find the answer.
Answers to Common Questions
A pre-existing condition is any current health issue: 1) for which a person has received treatment in the past or 2) for which a prudent person would have sought treatment. Pre-existing conditions may be anything as minor as a mild allergic reaction to dust or as serious as brain cancer or heart attack. Read more …
Under the terms of the Affordable Care Act, no one can be denied coverage because of a pre-existing condition. This is known as Guaranteed Issue. However, outside of Open Enrollment periods (brief once-yearly periods), it will not be possible to purchase individual or family insurance policies, regardless of need.The restriction of access to purchase insurance policies is a way of controlling for adverse selection: the phenomenon of purchase of insurance only by those who are currently experiencing the loss against which the policy is designed to protect them.
The Affordable Care Act’s provisions regarding pre-existing conditions apply only to people in the under-65 insurance market. Medicare Supplements and Advantage plans follow different rules. During the Initial Enrollment Period, pre-existing conditions are not grounds for denial of coverage. After that time, underwriting is allowed except in the case of a few exceptions.
Your payment can be made by Bank Draft, Check/Money Order, eCheck, or Credit Card. Online payments may be set up at https://shop.anthem.com/sales/eox/payment/enroll/landing/CA.
Alternatively, you may send a check or money order to Anthem at:
Anthem Blue Cross
P.O. Box 9041
Oxnard, CA 93031-9041
Your insurance premium must be paid to complete your enrollment in your new health insurance plan.