Friday, 22 February 2019

Health Insurance Through Covered California

These health insurance companies meet all the state and federal requirements for plans as well as additional standards established by Covered California. They represent a mix of major insurers and smaller companies, regional and statewide doctor and hospital networks, and for-profit and nonprofit plans. They deliver exceptional value and choice with affordable premiums, a wide choice of benefit levels and good access to doctors and hospitals in all areas of the state.

For more information about the health insurance companies Covered California works with, visit the Contact Your Health Insurance Company page.

Californians with limited incomes may be eligible for Medi-Cal. For information about the Medi-Cal program, visit the California Department of Health Care Services website.

2019 Plans Booklet Thumbnail
2019 Plans Booklet (preliminary rates)2016 Plans Booklet Thumbnail
2018 Plans Booklet (preliminary rates)
Patient-Centered Benefit Design
Covered California is leading the way for consumers by using a patient-centered benefit design. What this means is consumers can shop across our different health insurance companies knowing that the benefits are the same, depending on metal tier, no matter which company they choose. Consumers get an apples-to-apples comparison about co-pays, deductibles and other out-of-pocket costs up front so there are no surprises when they use their plan. The consumer has their choice of coverage level based on a metal tier system to select a plan that best fits their needs. For a detailed look at the patient-centered benefit design, please refer to the charts below.

When you have health insurance, we’re here to help with medical costs. As soon as you start the monthly payments on your California health plan, you’ll be covered for check-ups and preventive care. Most preventive care is free or costs a fee called a copay.

For other care, you might be asked to pay for your care up to a certain amount. That’s reaching your deductible. Once you reach it, we’ll start paying for a percentage of your costs. You just pay the rest. That’s called your coinsurance. Finally, every plan has an out-of-pocket limit that you can reach if you spend a lot in one year.

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