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Health Insurance Through Covered California

Getting Help With Health Care Costs - Covered California.  As a CoveredCA Certified Insurance Agent we can help you compare different health insurance plans, as well as show you whether you qualify for financial help, such as federal tax credits to reduce your monthly premium costs. 

Subsidized Health Plans in California available via CoveredCA

coveredca covered california health insurance and discount dental and vision - subsidized health

What is Covered California?

Covered California is a California health insurance marketplace. It is the official exchange where Californians can get brand-name health insurance under the Patient Protection and Affordable Care Act or apply for Medi-Cal. It’s the only place to get federal premium assistance to help you buy health insurance from the insurance carriers like: BlueShield of California, Kaiser, HealthNet, Oscar, Anthem Blue Cross, Valley Health Plan, CCHP, etc. 


This means you may qualify for a discount on a health plan through Covered California, or get health insurance through the state’s Medi-Cal program.  

How can we help?

We are a CoveredCA Certified Insurance Agency! This means, that you can contact us directly with any questions you might have about your existing CoveredCA account or coverage, or any other questions your might have including: Getting the Form 1095-A, Help with a Health or Dental plan selection, help with your account. We have been contracted with CoveredCA since day 1, and know in depth all the aspects of the coverage and are great at solving issues! 

How to delegate an agent in CoveredCA?

 If you need help with your CoveredCa account, need to access form 1095-A, have an issue, or need to file an appeal, please feel free to reach out to us! We are CoveredCA Certified Insurance Agent. Please delegate us to your account and we will help at no cost to you. Here is how you can delegate us: 

Here is how you can delegate us:

1.       go to www.CoveredCA.com web page

2.      Log in with your username and password

3.      Go to “Need Help” tab (the upper right corner)

- select "Find Local Help"

4.      Select “Find an Agent” or “Agents”

5.      Search by name:   Type in: Diana Polyakov -

6.      You will be asked to agree to the disclosures

7.      Please sign your/her name and click continue or agree.   

8.      From that point, we will be able to verify the application for completeness or errors, submit additional information on your behalf, etc.

Is there are fee or charge for agent services?

All the assistance is offered at no cost to you! 

When is the open Enrollment to buy Health Insurance?

Find Out the details by watching our video: 

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CoveredCa Health Insurance

Understand how Health Insurance Works:


It can be overwhelming to select a health insurance plan from the many options available. Before getting started, it is important to understand the big changes that have happened in health insurance recently:


· Coverage Levels: Most health insurance newly sold to individuals and small businesses must now be classified as one of four levels of coverage: Bronze, Silver, Gold or Platinum. In addition to those four levels of coverage, a minimum coverage plan is available to those who are younger than 30 or can provide certification that they are without affordable coverage or are experiencing hardship.


· Essential Health Benefits: All health insurance plans offered in the individual and small-group markets must provide a comprehensive package of items and services, known as essential health benefits. These benefits fit into 10 categories, and include services like prescription drugs, mental health care, and emergency services.


· Dental Coverage: All Covered California health insurance plans offer embedded pediatric dental coverage. This means that dental insurance for children is included in the price of all health plans purchased in the exchange. In addition, Covered California now offers supplemental dental coverage for adults, through optional family dental plans. 


· Vision Coverage: Covered California offers consumers a pathway to quality vision care. Vision care benefits for children are included in all health plans purchased through the exchange. Vision care for adults is not offered in Covered California health plans, but Covered California works with certain vision insurance companies to offer vision coverage directly to consumers.



 

What is SEP?


A. SEP is the special enrollment period- it allows anyone to apply for health insurance outside of the open enrollment. Here are the SEP reasons: 

- Lost or will soon lose my health insurance

- Permanently moved to/within California

- Had a baby or adopted a child

- Got married or entered into domestic partnership

- Returned from active duty military service  

- Gained citizenship/lawful presence

 - Member of a Federally Recognized American Indian or Alaska Native Tribe

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What is a subsidy or APTC- premium assistance?

Calculating Premium Assistance

Covered California’s mission to expand coverage by making health care more affordable is based on Californians getting the health insurance they need at an affordable price. Many people get health insurance through their job but could not afford it if they needed to pay the full premium themselves, just as many households can only afford their premium because of the financial assistance that is available from the federal government. This assistance reduces the amount paid for health insurance depending on the individual’s or family’s income.  Premium assistance is calculated based on where the person falls on the federal poverty level scale. The above table depicts incomes and federal poverty level percentages. Those making 138 percent of the federal poverty level or less may qualify for Medi-Cal, the low-cost or no-cost health insurance program in California. 

Learn More

If you are confused or need help calculating/estimating your premium assistance or have other questions related to your CoveredCA account, feel free to reach out- we can help!  (You can find us using "Find Local Help" tool on CoveredCA - and type the agent's name: Diana Polyakov  lic. #OI21751) 

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Find out if you qualify for Medi-Cal or CoveredCa subsidy

How to read this chart?

PROGRAM ELIGIBILITY BY FEDERAL POVERTY LEVEL FOR 2020. 

Feel free to reach us in case you have questions or unsure how to interpret the above information. 

To make it easy, look at your household size and income to determine what program you can qualify for. For example, if your household size is 1 person (just you) and your income is bellow $17,237/year then you qualify for Medi-Cal. If your income is above $17,237 but less than $74,940/year then you qualify for the APTC (advance premium tax credits ) or subsidy that will help you pay less for health insurance. 


Covered California uses FPL limits from the prior year to determine eligibility for its programs as required by regulation. 


The unshaded columns are associated with Covered California eligibility ranges: 

Premium Assistance 100% - 600% FPL

Enhanced Silver Plans 100% - 250% FPL 

Silver 94 100% - 150% FPL 

Silver 87 over 150% - 200% FPL 

Silver 73 over 200% - 250% FPL 

American Indian/ Alaska Native Plans 100% - 300% FPL 


 

Medi-Cal Eligibility

 Medi-Cal uses FPL limits of the current year to determine eligibility for its programs. The column headings shaded in purple are associated with eligibility ranges for Medi-Cal programs: 


• Medi-Cal for Adults up to 138% FPL

• Medi-Cal for Children up to 266% FPL 

• MCAP: over 213% - 322% FPL 

• CCHIP: over 266% - 322% FPL 


The shaded columns display 2018 FPL values according to the Department of Health Care Services (see annual values on page 4) which administers the Medi-Cal program. 


See if you qualify for low cost health insurance

Check out this great video

Disclosure:

 This website is owned and maintained by Diana Polyakov at Insurance Center Helpline, Inc, which is solely responsible for its content. This site is not maintained by or affiliated with Covered California, and Covered California bears no responsibility for its content. The e-mail addresses and telephone number that appears throughout this site belong to Diana Polyakov at Insurance Center Helpline, Inc and cannot be used to contact Covered California.