During an Open Enrollment period (Next Open Enrollment begins November 1st)
During the Initial Enrollment Period for new members or full time employees of members
Within 60 days of experiencing a Qualifying Events such as the loss of coverage from another group, or birth or marriage
Call us at (800) 939-8088 for information on eligibility.
The C.A.R. group plan offers REALTORS® an opportunity to get group insurance coverage. Group insurance coverage can offer advantages over Individual and Family Plans – better access to providers, richer benefits, and sometimes even a lower price! RealCare is the only agency that can offer the C.A.R. group plan and all other options in the health insurance marketplace. We can help you sift through all the confusion to find the plan that works best for you.
C.A.R. offers choices with Kaiser and Anthem. Our Anthem plans are PPO and HMO plans using the full Prudent Buyer PPO and CaliforniaCare HMO networks and are NOT affected by Anthem’s decision to exit the Individual market in most areas. Wider networks give you more choice of providers. Our Kaiser plans are often less expensive than those offered to individuals. And don’t forget the dental and vision! We have the best dental plans you can buy as an individual, and excellent vision benefits as well.
Individual & Covered California Plans – Open Enrollment runs October 15th to January 31st
Enrollment in these plans is limited to the annual Open Enrollment period, or a Special Enrollment following a Qualifying Event.
Individual and Covered California plans may offer a lower cost, but also generally use a smaller network. If you qualify for a tax credit, you will want to consider enrolling through Covered California. Our Instant Quote will allow you to look at Individual plans ON and OFF of Covered California.
Special C.A.R. Discount Programs – Register ANYTIME!
Do you just want to find a way to spend LESS on services? For $11/month you can have 24 hour access to a physician or nurse line at NO COST and get great discounts on prescriptions!
C.A.R. Group Insurance Plan Eligibility
The C.A.R. group insurance programs are available to all C.A.R. members, local boards and full time W2 employees of C.A.R. members or local boards. Please review our General Plan Guidelines (PDF) for complete information on eligibility and enrollment.
C.A.R. Medical, Dental & Vision Plans: November 1st through December 15th for a January 1st effective date
C.A.R. Dental & Vision only: April 1st to May 15th for a June 1st effective date
Individual & Covered California: November 1st through January 15th
Special Enrollment Period
There are certain qualifying events that might allow you to enroll for guaranteed issue health insurance outside of the open enrollment period. For example, new members may enroll between the 1st and 60th day of joining C.A.R. and existing members may enroll within 30 days of experiencing a “Qualifying Event.” Please call RealCare at 800-939-8088 to see if you are eligible.