2018 Covered California Health Insurance

Individual & Family Health insurance

The upcoming Covered California open enrollment will start November 1 and ends January 31, 2018.  All enrollments from November 1 through December 15 will have a January 1 start date. Enrollments after December 16 through January 15 have a February 1 start.  Enrollments after January 15, have a March effective date.

Blue Shield   –   Kaiser   –   Anthem

Everyone in the U.S. is eligible for an individual and family health insurance policy of their choice regardless of health status.

There are 2 ways to enroll in a plan: Inside the Covered California Exchange, this is typically for the individual or family who qualify for a subsidy (premium discount) because of household income.  The other way to enroll is outside of the exchange through an online link.  This is for the individual or family who do not qualify for a subsidy. Please contact me anytime for help with your enrollment.

Plan Design:

Bronze (Basic Plan):  The Basic plan is designed for people who want affordable coverage with low monthly rates in exchange for a higher deductible for protection in the event of a serious medical emergency.  Benefits like preventive care and three doctor visits are available for a fixed copayment before meeting the deductible.

Bronze (Basic HSA Plan):  If you are looking for a plan with lower monthly rates and a way to better manage your healthcare coverage spending, look to the Blue Shield Basic Plan for high deductible health plans that are Health Savings Account eligible.  With an HSA, you can prepare for future medical costs by contributing pre-tax money to your own healthcare related expenses.  And preventive care is received before the deductible.

Silver (Enhanced Plan):  The Enhanced plan offers a good balance between you premium and your out of pocket costs.  You’ll receive benefits like doctor visits and generic drugs prior to meeting the annual deductible.  Other covered medical services, such as hospitalization, are covered after you meet the annual medical deductible.

Gold (Preferred Plan):  Our Preferred plan offers good coverage with manageable out of pocket costs, so it’s easier to predict additional expenses.  There are no deductibles, so Blue Shield starts paying for all covered benefits immediately, including popular benefits such as doctor visits, prescriptions and urgent care.

Platinum (Ultimate Plan):  Blue Shield’s Ultimate plan offers you the lowest out-of-pocket costs for medical services.  There are no deductibles, so we start paying for covered benefits right from the start.  By paying higher monthly premiums, you’ll usually pay less when accessing care for medical services such as doctor visits, prescription drugs and hospitalization.

Enroll Today … Choose one of the companies, find the plan of your choice, and enroll, it as simple as that!  Your new ID and policy will be mailed within a couple weeks and you can start using your policy right away after the effective date.

BIG SAVINGS WITH ANTHEM DENTAL

When seeing an Anthem in-network dentist you will enjoy a 25% to 40% savings right off the top, because of the contracted rates.  These savings are also available during waiting periods, when you’ve gone over your yearly limit or when you’ve used up your benefits.

Your dental costs will also be reduced even more with the plan insurance coverage.  Along with over 87,000 contracted dental offices nationwide.

Anthem Dental –  Brochure   –  Application

No Broker Fees … My advice and services are free of charge, and the premium you pay should you buy a policy through us will never be higher than going direct to the insurer.

John Conner
916-682-1117
john@johnconner.com

Questions & COmments:

Author: John

Medicare Options along with Individual and Group International Medical Insurance Options.