The Affordable Health Care Act "ObamaCare"

Covered California – CA Exchange

Covered California will make it simple and more affordable for you to get high-quality health insurance that can't be canceled or denied because of a pre-existing medical condition or if you get sick. Legal residents A person who is lawfully present is determined in accordance with federal law. You can find out if you meet the requirements of being lawfully present by visiting the Resources Page.of California will be eligible to buy health coverage through Covered California. There are many ways to access the CA Exchange, calling our office, online, in person or by phone for health insurance that is affordable for you and your family. Our website will provide you with a variety of online tools so you can learn more about a range of Qualified Health PlansAn insurance product that is certified by a marketplace, provides Essential Health Benefits, follows established limits on cost-sharing (like deductibles, copayments and out-of-pocket maximum amounts) and meets other requirements. A Qualified Health Plan will have a certification by each marketplace in which it is sold. that will be offered through Covered California. By calling our local office (858) 874-5516, we can assist you thru this process offering our advice and support services so you can make the “right” decision.  

Covered California will provide access to coverage starting October 1, 2013 with plans being effective January 1, 2014. Purchasing insurance through Covered California will have many advantages. For the first time ever, you will be able to make true "apples-to-apples" comparisons of health insurance. Even with this “apples-to-apples” comparison, we have found that there are many questions that need to be answered, by letting out office assist; you have a trained and certified CA Exchange agent to help guide you thru this maze. Either our office or the Covered California website will be one of the places where you can learn about and use federal financial assistance that can help lower your health care costs. Whether you purchase insurance from Covered California or a private carrier, you will benefit from new standards for health coverage. As part of the federal health care law, called the Affordable Care ActEnacted in March 2010, the federal Patient Protection and Affordable Care Act, commonly referred to as "Obamacare," provides the framework, policies, regulations and guidelines for implementation of comprehensive health care reform by the states. The Affordable Care Act will expand access to high-quality affordable insurance and health care., all insurance plans must cover Essential Health BenefitsHealth care service categories that must be covered by certain plans, starting in 2014. These service categories include ambulatory patient services, emergency services, hospitalization, maternity and newborn care, mental health and substance use disorder services, behavioral health treatment, prescription drugs, rehabilitative and habilitation services and devices, laboratory services, preventive and wellness services and chronic disease management, and pediatric services, including dental and vision care. Insurance policies must cover these benefits in order to be certified and offered in the marketplace, and all Medicaid state plans must cover these services by 2014. such as doctor visits, hospitalization, emergency care, maternity, pediatric care for your kids, prescriptions, among other services. All newly sold health insurance plans – whether sold through Covered California or outside the marketplace — will cover these services.

Covered California will serve all Californians by helping to:

Improve access to high-quality coverage. Californians will have easy access to a wide range of private health plans. Many Californians who do not have health insurance can benefit from lower-cost coverage. Covered California will help these individuals learn about the health coverage options that best meet their needs. We can also help those who are not eligible for financial support, but will benefit by using our firm to navigate the marketplace finding the insurance protection that they need.

Make health care coverage affordable. Covered California will assist anyone to find out if they are eligible for the sliding scale financial assistance, helping to reduce your health care costs. If your income is very limited, you may be eligible for free coverage through Medi-CalCalifornia's Medicaid health care program. This program provides free medical services for children and adults with limited income and resources. Your local County Welfare/Social Services Department manages Medi-Cal eligibility determinations. You can get Medi-Cal as long as you meet the eligibility requirements.. Covered California can also help lower health care costs for all Californians by reducing the number of uninsured and the burden of uncompensated care that is a cost today borne by all of those who have insurance.

Improve the health of all Californians. When you have health insurance, you don't have to wait for small health problems to become big ones. You and your family will have access to preventive care and a network of health professionals who are trained to keep you healthy. Covered California will also work to promote prevention and wellness programs that help all Californians.

For Small Business

In discussing Small Group Health Plans with our existing clientele, it was very evident that there is a lot of misinformation in responses we receive.  With that in mind, a simple call to our office (858) 874-5516, you can have a certified trained CA Covered agent help you walk thru and simplify what the options are.  Covered California “SHOP”, the acronym for CA Exchange plans for small business, can be cumbersome to many small business owners, especially when your employees may have questions about what you can do to help get them insurance coverage. With our help, small business owners with up to 50 eligible employees, we can make it easier to compare a variety of qualified, competing health plans from private insurance companies, including group plans that you might think are only offered to large businesses. Covered California “SHOP”, allows for the small business owner the opportunity to offer your employees a full range of quality health insurance options, all while making the process much easier than doing it on your own.

Small-business owners know that the ability to offer employees quality health insurance is a competitive advantage in the labor market. Providing health insurance to employees helps you recruit and retain the best talent. It also helps keep your employees healthier, happier and more productive.

Covered California “SHOP”, will support your small business by helping to:

Simplify choices. Covered California will provide side-by-side comparisons of the selected 12 health insurance companies available health plans, their benefits, premiums The amount that must be paid for your health insurance or plan. You and/or your employer usually pay(s) it monthly, quarterly or yearly. and quality.

Expand employee options. Covered California will enable you to offer your employees a choice of plans of Health Insurance Plans An insurance product that is certified by a marketplace, provides Essential Health Benefits, follows established limits on cost-sharing (like deductibles, copayments and out-of-pocket maximum amounts) and meets other requirements. A Qualified Health Plan will have a certification by each marketplace in which it is sold.similar to those offered by large employers.

Offer control. You can decide whether and when to participate in Covered California. You will have the ability to choose your own level of contribution toward your employees' coverage and make a single monthly payment through Covered California rather than to multiple plans.

Make insurance affordable.  If your business has fewer than 25 employees, you may be eligible for small-business tax credits when you offer health coverage for your employees through Covered California.

Offer many of the state’s leading health systems. Covered California has physicians and hospital affiliates throughout the state offering a wide variety of networks to deliver health care to your employees. Networks will include HMO’s, PPO’s and EPO’s in all urban areas and many rural areas.

Guaranteed Basic Levels of Coverage. Like individual plans, “SHOP” provides for the 10 basic categories of guaranteed level of coverage providing consumers good basic coverage.

Give our office a call (858) 874-5516 or just respond to the questionnaire on our website and our certified agents will assist to see if the CA Exchange or private health carriers will provide you or your small company with the best health benefits available!