Enrollment Guide - Coverall Health Group

The Complete Journey

Interactive timeline showing your enrollment path

Initial Consultation

We Learn About You

⏱ 15-30 minutes Day 1

Your dedicated advisor calls at your preferred time. We'll discuss your situation, preferences, and healthcare needs.

What Happens:

✓ Employment status and income
✓ Current health coverage (if any)
✓ Household composition
✓ Healthcare needs and concerns

What You'll Need Handy:

📄 Estimated annual income
📄 Social Security numbers for household members
📄 List of current medications (if applicable)
📄 Names of preferred providers

We begin researching plans that match your specific situation. You'll receive an email summary within 2 hours.

Plan Review

We Present Your Options

⏱ 30-45 minutes Day 2-3

We walk through 3-5 recommended plans, explaining costs, coverage, and trade-offs in plain English.

What We Send Before the Meeting:

📄 Personalized plan comparison document
📄 Total annual cost projections
📄 Provider network directories
📄 Prescription formulary information

Questions We Answer:

✓ Can I keep my current doctor?
✓ What if I need emergency care out-of-state?
✓ When does my coverage actually start?
✓ What happens if my income changes?
✓ How do I use my insurance card?

No pressure to decide immediately. Take 24-48 hours to review. We're available for follow-up questions anytime.

Application Submission

We Handle the Paperwork

⏱ 45-60 minutes Day 3-4

We complete the Healthcare.gov application together via phone or video call.

Before We Start:

📄 Photo ID for all household members
📄 Proof of income (pay stubs, tax returns)
📄 Proof of citizenship/legal residency

What We Submit:

✓ Personal and household information
✓ Income and subsidy calculations
✓ Plan selection
✓ Payment method setup

You receive an email confirmation number instantly. Application typically processes within 24 hours.

Activation & Onboarding

Your Coverage Goes Live

Day 5-10

When Coverage Starts:

✓ Applications by 15th of month → Coverage starts 1st of next month
✓ Applications after 15th → Coverage starts 1st of following month

Immediate (Same Day):

✓ Approval confirmation from Healthcare.gov
✓ Plan confirmation from insurance carrier
✓ Temporary ID number issued

Within 7 Days:

✓ Welcome packet arrives by email
✓ Online account setup instructions
✓ Provider network directory access
✓ Digital insurance cards available

Within 14 Days:

✓ Physical insurance cards arrive by mail
✓ Welcome call from insurance carrier
✓ Prescription card (if separate)

Ongoing Support

We're Here When You Need Us

Year-Round

First 90 Days Support:

✓ Monthly check-ins to ensure claims process correctly
✓ Help understanding Explanation of Benefits (EOBs)
✓ Verify prescription coverage is working
✓ Ensure satisfaction with your plan

Anytime Assistance:

📞 Questions about a claim
📞 Need to find a specialist
📞 Billing issue to resolve
📞 Life changes affecting coverage

Annual Review (Each October):

✓ Review your current plan's changes
✓ Compare to new available options
✓ Adjust coverage if needs changed
✓ Re-enroll or switch plans as needed

Mark Your Calendar

Open Enrollment Period

Annual

November 1 - January 15

Important: For coverage starting January 1, enroll by December 15

Special Enrollment Periods