There's a lot of movement in the general Sacramento area.
People getting jobs.
Moving to the area to escape the absolutely insane housing costs in the Bay Area.
With all this movement comes a definite need for short term health coverage in Sacramento.
Short has been a useful tool in the Sacramento market for decades now.
Let's look at how it works and most importantly...
How to get the best rate and value.
Otherwise, feel free to jump to a section here:
Let's get to it.
We've had short term plan options in Sacramento county for decades now.
The companies have change but the basis premise has not.
It does not cover the same benefits as Covered California.
Make sure to check out the brochure right through the quote here..
If you don't qualify for a tax subsidy, it also may cost a lot less.
That's why many people use it in Sacramento as “gap” coverage.
What short term health companies are available in the greater Sacramento area?
Most health insurance is still State regulated.
That means the options can be pretty comparable across the State.
All the other carriers (UnitedHealthOne, Blue Shield of California, HCC, etc) have pulled out of the State.
We don't expect too much movement on this front but we'll add them when they come on board.
We have a good experience with IHC as Anthem Blue Cross sourced to them when they pulled out of most the State.
You can quote IHC short term health plans here:
The entire Sacramento area including all surrounding cities and even the Bay Area will have the same options for short term.
It's a Statewide plan option.
Make sure to enter your zip code to get the correct rates when you run short term your quote.
That's one of the reason short term is so popular.
We can get an effective date starting midnight after the online enrollment.
Many people in Sacramento get stuck outside of Open Enrollment (which usually Nov 1st to Jan 31st).
Or they don't have trigger for out of open enrollment (marriage, birth, move, or loss of qualified coverage).
Short term is very popular to address these gaps in coverage.
As licensed Sacramento health agents, our help is 100% free to you!
That brings up a good question...how long of a gap?
Right now, you can get up to 3 months of 30 days each.
A total of 90 days.
You can re-apply after the first 90 days but it will be based on health again.
30 days is the minimum amount of coverage you can get.
The Trump expansion was barred by the California legislature.
90 days is the current limit per short term policy.
Here are some key points on the short term plans available in Sacramento and the Bay Area:
We're licensed Sacramento and Bay Area short term agents.
Call us at 866486-6551 or by email - there NO cost for our help.
Let's look at some questions we get specifically to our area.
Kaiser's a big player in the Sacramento area.
What about short term?
They do not offer short term plans unfortunately.
We have IHC (sponsored by Anthem Blue Cross) which you can use till you're able to enroll on Kaiser if that's your preference.
IHC uses the MultiPlan PPO network which is extensive in Sac county.
It's also Nationwide in case you're in Reno or Tahoe.
You can search the IHC network in Sacramento here.
Sutter is another big player in the area along with UC Davis.
Are they in the network?
It's the MultiPlan PPO network in Sacramento and the Bay Area.
UC Davis has also been part of it.
Make sure to double check first since networks are always changing.
It tends to be more robust than most Covered Ca plans!
This is easy.
The quote is based on area, zip code, and plan choice.
We're happy to help with any questions.
There's no cost for our assistance. Zero!
The application process is available right through the quote.
It's all online and generally takes 5-10 minutes!
There's ZERO cost for our assistance.
Feel free to run any questions by us at 866-486-6551 or by email.
How can we help?
"Thank you so much getting the family enrolled. We started this much too late! Thanks again"
"I had no idea what I was doing online and you got us through this. Thanks and we'll talk next open enrollment"
"Tom, I really appreciate your guidance on the employee benefit plan. Can't believe we've knocked 10% off the premium with a plan that was there all along"
"Great job and great staff. Very impressed with knowledge of the ACA law for company insurance"
"I really appreciate your fast turn around on the countless issues we've had this month. Can't imagine dealing with the carrier direct!"
"Great work! Seriously removed a boatload of stress from my plate (to be filled up with other stress I'm sure!)"
"Your agency has continuously gone to bat for our company over the years with employer health care and I can't thank you enough"
"So relieved this is all done. You've really exceeded my expectations!"
15 years experience in the Sacramento, Roseville, and Rocklin health insurance market for both companies and individuals. Our service to you is UNMATCHED
We are licensed California agents and certified Covered California agents with knowledge of the local health insurance market and carriers.
We will run quotes across the entire Sacramento market to find the best health insurance value for you866-486-6551
This web site is owned and maintained by RiverRock Insurance Services which is solely responsible for its content. This site is not maintained by or affiliated with Covered California, and Covered California bears no responsibility for its content. The e-mail addresses and telephone numbers that appear throughout this site belong to RiverRock Insurance Services, and cannot be used to contact Covered California.