Covered California
Covered California offers several health insurance plans with varying levels of coverage and costs, including bronze, silver, gold, and platinum tiers. The plans are designed to be affordable and meet the needs of different individuals and families, based on their health care needs and financial situations.
Individuals and families who meet certain income requirements may also be eligible for financial assistance in the form of tax credits, which can help to reduce their monthly premiums and out-of-pocket costs.
Bronze: This plan typically has the lowest monthly premium but the highest out-of-pocket costs. It covers about 60% of your health care costs, and you pay the remaining 40%.
Silver: This plan offers a moderate level of coverage with a balance between monthly premiums and out-of-pocket costs. It covers about 70% of your health care costs, and you pay the remaining 30%.
Gold: This plan has higher monthly premiums but lower out-of-pocket costs than Bronze and Silver plans. It covers about 80% of your health care costs, and you pay the remaining 20%.
Platinum: This plan has the highest monthly premiums but the lowest out-of-pocket costs. It covers about 90% of your health care costs, and you pay the remaining 10%.
Covered California offers dental coverage as an optional add-on to your health insurance plan. Dental coverage is not automatically included in your health plan, but you can purchase it as a separate policy or bundle it with your health insurance coverage.
Covered California offers two types of dental plans: pediatric dental plans and family dental plans. Pediatric dental plans are required by law for children under the age of 19, while family dental plans are available for both adults and children.
The dental coverage offered by Covered California includes preventive services such as routine cleanings and exams, as well as basic and major services such as fillings, root canals, and oral surgery. However, it's important to note that dental coverage may vary depending on the specific plan you choose.
Covered California offers vision coverage as an optional add-on to your health insurance plan. Vision coverage is not automatically included in your health plan, but you can purchase it as a separate policy or bundle it with your health insurance coverage.
Covered California offers two types of vision plans: pediatric vision plans and family vision plans. Pediatric vision plans are required by law for children under the age of 19, while family vision plans are available for both adults and children.
The vision coverage offered by Covered California includes routine eye exams, as well as eyeglasses or contact lenses. However, it's important to note that vision coverage may vary depending on the specific plan you choose. Some plans may cover only a portion of the cost for eyeglasses or contacts, while others may cover the full cost. Additionally, some plans may limit the number of exams or glasses or contacts that are covered per year.
To be eligible for Covered California, you must meet the following requirements:
Be a resident of California: You must be a legal resident of California and have a California mailing address to enroll in Covered California.
Not be eligible for Medicare: If you are eligible for Medicare, you cannot enroll in Covered California. Medicare is a federal health insurance program for people who are 65 or older, as well as for certain younger people with disabilities.
Not have access to affordable employer-sponsored insurance: If you have access to health insurance through your employer that meets certain standards for affordability and minimum coverage, you may not be eligible for Covered California.
Meet income requirements: Your income must be within a certain range to qualify for financial assistance to help you pay for health insurance through Covered California. The income limits vary depending on the number of people in your household and other factors.
Be a U.S. citizen or lawfully present: To be eligible for Covered California, you must be a U.S. citizen, a U.S. national, or a lawfully present immigrant.
It's important to note that these eligibility requirements may change, and some additional requirements may apply depending on the specific plan you choose
