All plans are guaranteed-issue basis, regardless of your current or past health status, as long as you enroll during an open-enrollment period.
2 Ways to Enroll …
Enroll “On or Off” the Covered California Exchange .. Enrolling Inside the Covered California Exchange is typically for the individual or family who qualify for a subsidy due to their income (see the chart below). Individuals and families who do not qualify for a state subsidy, will usually enroll outside of Covered California (the plans are the same) although the application process is much quicker because you don’t have to state your income totals.
Anthem of California offers 4 levels of coverage both inside Covered California and out. The plans are categorized into four metal levels of coverage based on the percentage of costs covered for an average population:
- Platinum: You pay 10% of health costs, Anthem plan covers 90%
- Gold: You pay 20% of health costs, Anthem plan covers 80%
- Silver: You pay 30% of health costs, Anthem plan covers 70%
- Bronze: you pay 40% of health costs, Anthem plan covers 60%
All plans will offer the “essential health benefits” such as; doctor visits, hospital care, prescription coverage and maternity care, and will include certain preventive care for no charge.
What is a Health Insurance Marketplace? It’s a website that is set up to allow the government to regulate health insurance plans. People can buy health insurance from the marketplace (Covered California) with government aid called subsidies. All Health Insurance Marketplaces like Covered California must be fully certified and running by January 1, 2015, by federal law. Also known as an “Exchange.”
Do I have to buy from the Health Insurance Marketplace Covered California Exchange? You can choose to buy insurance from an insurer like Anthem from the state Insurance Marketplace (Covered California). If you are eligible to get a subsidy and want to use one, you must buy your plan from a Health Insurance Marketplace like Covered California.
What are my Health Care Reform plan choices in 2017? Under the new health care law, all new plans fit in one of four levels: bronze, silver, gold or platinum. These levels make it easier to compare costs and benefits so you can choose the right plan for your needs.
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