Applying for coverage

Shopping for health insurance can feel overwhelming, but it doesn’t have to be that way. Here’s what you should consider before you apply.

This three-minute video provides an overview of the application 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 in central San Diego.

ZIP CODE DIRECTORY ➜

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.

FIND A DOCTOR ➜

Choose the right plan

Premiums vs copays?

If you prefer to have lower copays 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.

COMPARE 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.

COMPARE PLANS ➜

Go there

Enrollment periods explained

You can enroll in coverage or make changes to your plan during our open enrollment and special enrollment periods. Open enrollment begins Nov. 1 and ends Jan. 31.

Special enrollment is year-round if you have a qualifying event, like having a baby or getting married.

	Open enrollment	Special enrollment
Enroll		Must have a qualifying event in the last 60 days.
Change your network		Must have a qualifying event in the last 60 days.
Change your plan		Must have a qualifying event in the last 60 days.
Add a family member		Must have a qualifying event in the last 60 days.