Covered California

Posted on Wednesday, September 11, 2013 by LoraLibrarian

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Posted on Wednesday, September 11, 2013 by LoraLibrarian

        Book cover for A New Era in U.S. Health Care

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Affordable Care Act

 

 


COVERAGE FOR CONSUMERS IN 5 EASY STEPS:

 

Image of smiling family

WHO is covered?

Legal residents of California will be eligible to buy health coverage through a new marketplace called Covered California.

Covered California is a new, easy-to-use marketplace where you and your family may get financial assistance to make coverage more affordable and where you can compare and choose health coverage that best fits your needs and budget. Covered California will offer private health plans that cannot be canceled or denied for a pre-existing medical condition or illness.

Learn more about Covered California.

Families with adult children who have not yet turned 26 years old may stay on their parents’ plan. If you are over age 65 or have certain disabilities, you can receive coverage under Medicare.

Individuals and families who fall within the low income bracket  may also qualify for Medi-Cal, tax credits and/or subsidies. Learn more here if you qualify.

To learn more about how much health coverage might cost, and your eligibility for
potential tax credits, check out the Shop & Compare Tool.

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WHAT is covered?

The marketplace offers coverage from a variety of carriers at four levels:

  • Platinum: You pay 10 percent of costs.
  • Gold: You pay 20 percent of costs.
  • Silver: You pay 30 percent of costs.
  • Bronze: You pay 40 percent of costs.

This chart provides a summary of the different coverage levels.

Coverage includes:

  • Ambulatory patient care
  • Emergency care
  • Hospitalization
  • Maternity and newborn care
  • Mental health and substance abuse treatment
  • Prescription drugs
  • Rehabilitation services
  • Lab services
  • Preventive and wellness services
  • Chronic disease support
  • Pediatric services, including dental and vision care

Some Major New Features:

  • Coverage includes pre-existing conditions
  • Insurance cannot be canceled if you get sick
  • Insurers must justify rate increases
  • No lifetime caps on benefits

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WHEN does coverage begin?

  • October 1, 2013 - Open enrollment begins
  • January 1, 2014 - Coverage begins
  • March 31, 2014 - Open enrollment closes
  • Future - All Americans have access to affordable health care.
    • Annual enrollment runs October – December 7.
    • Change in personal circumstance or “live event” e.g. loss of job, birth of a baby, etc. will let you enroll at any time.

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WHERE to apply

On or after October 1, 2013:

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HOW to applyWoman using a computer

 

On, or after October 1, 2013, visit the Covered California website to apply online.

If you need assistance with the enrollment process, fill out the Request for Enrollment Assistance form.  Covered California will contact you with more information and provide you with application assistance to help you enroll.

You will need:

  • Number of people being enrolled (whole or partial family), including the birth date of each person
  • Social security number(s) for each family member
  • Home ZIP code
  • Most recent income tax filings, including dependent tax information and head of household status (if any)
  • Legal immigration information, such as your immigration number
  • Information about your status as a member of a federally recognized tribe