C.A.R. 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 often lower prices! RealCare also offers coverage through the Individual and Covered California programs. In fact, we’re 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 sort through all the confusion to find the plan that works best for you.
State and Federal guidelines require that you can only enroll in a new medical plan:
The C.A.R. medical plan Open Enrollment runs November 1st through December 15th each year. We do have a Spring Open Enrollment for Dental & Vision only April 1st through May 15th for a June 1st effective date.
The Individual Market and Covered California Open Enrollment periods ended in January, but if you are without medical coverage you may qualify for a Special Enrollment through Covered California. Call us to find out more! (800) 939-8088.
C.A.R. Pharmacy Wholesale Club, a new retail and home delivery pharmacy with exclusive, low cost pricing on the top 90% of the most common drugs used today.
C.A.R. Group Plans
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. 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.
C.A.R. Group Plan Rates & Basic Benefits: QUICK QUOTE (No log in needed)
If you experience a Qualifying Event, you may be able to enroll in an Individual or Covered California plan. These plans may offer a lower cost, but also generally use a smaller network than the C.A.R. group plan. 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.
Need help? Call us! (800) 939-8088
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 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 31st
Special Enrollment Periods
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.