2018 Kaiser Permanente Covered California health insurance plans for individuals and families.
The Covered California open enrollment starts 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 15 through January 15 have a February 1 start. Enrollments after January 15, have a March effective date.
Anyone can get Kaiser coverage as long as you live in a Kaiser service area. You can no longer be denied coverage because of a medical condition, and you don’t have to pass a medical exam to qualify for a Kaiser health insurance plan.
2018 Qualifying Events – Situations which allow you to enroll in a Kaiser plan “outside” the Open-Enrollment period:
- Divorce, termination of domestic partnership or civil union.
- Change in full time employment status.
- Loss of employer sponsored insurance.
- Voluntary or involuntary termination of employment.
- Death of parent or spouse.
- Change in dependent status – i.e. dependent child turning 26.
- Existing coverage is being changed to a qualified health plan.
- Domestic Partnership (in states which allow).
- Birth of child.
- Adoption of child.
- Placement for adoption of child.
- Guardianship or court order dependent.
- Permanent move to a new state.
Is your deductible too high?
National General offers their $10,000 “Accident” plan for only $26.50 per month. This is a great way to pay for your deductible and other out of pocket costs.
If you become injured and need medical care, National General will pay you up to your injury medical costs up to a maximum of $10,000 per injury.
Broken bones, ligaments, back injury, shoulders, falls, trips, cuts, etc. They just don’t like extreme sports.
Here is the National General brochure: Click here.
Be sure to enroll by December 15 to receive a January 1, 2018 effective date. The only way to enroll in a plan after December 15 is if you have a “qualifying event” such as, you are coming off of an employer health insurance plan, or you move to an area where your current plan is not available or if you are moving on or off of MediCal. There are a few other situations but typically if you miss the Open Enrollment period you will not be able to enroll for the balance of the year.
4 Levels of Coverage … With all companies including Kaiser you will see four levels of coverage; Bronze, Silver, Gold and Platinum. Each level provides a different level of coverage to meet your needs. Bronze offering the lowest level, while Platinum is the highest.
All plans will offer the “essential health benefits” which are; doctor visits, hospital care, prescription coverage and maternity care, and will include certain preventive care for no charge.
Enrolling “On and Off the Covered California Exchange .. Enrolling “On” the Covered California Exchange is typically for the individual or family who qualify for a subsidy due to their income level. Individuals and families who do not qualify for a state subsidy, will usually enroll “Off” Covered California (the plans are the same) although the premium amounts are quite different.
Health Care ... Almost everyone gets sick or hurt, or needs some sort of medical help. To get better you usually need care, like seeing a doctor or staying in a hospital or taking prescription medications. Health Care includes many different services such as; Doctors office visits, hospital stays, emergency room visits, X-Ray and Lab, prescription drugs, preventive care, well baby visits, well woman visits, immunizations and screenings.
Health Coverage … Health Insurance is a lot like the insurance people get on their car or home. Some people get their health insurance through their jobs, while others buy it themselves. Without insurance, high medical bills can wipe out savings and even lead to bankruptcy. Insurance helps protect you financially, if you have a serious illness or injury that requires extensive care.
How you Benefit … Peace of mind .. You shouldn’t have to worry how you are going to pay if you get sick, injured or pregnant. Life is unpredictable, but when you have Kaiser, you have more control and you can rest easy knowing you are going to get the care you need.
Care when you need it .. You can see a doctor when you are sick or just need preventive care like a check up or screening. You don’t need to ignore symptoms, or hope they’ll go away. You can get treated before they get worse.
Stay on a Healthy Course .. Preventive care helps you catch minor symptoms before they become problems. Screenings like mammograms and cholesterol level tests can catch problems early, when they are easier to treat.
Kaiser: Quick quote & enroll online
If you and your family qualify for a Covered California discount and subsidy, please call, and I will help you with your enrollment.
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.
Questions? Or help with enrollment, call or email anytime.