California Health Care

Find latest news, legislation and regulations related to the California health care system. Medical coverage services in the golden state are offered through the following options:

  • Covered California: The Health Exchange Marketplace
  • Insurance Carriers: providing off-exchange medical benefits
  • Veterans Administration (VA) Health Care Coverage
  • Medi-Cal
  • Prison Health Care for California

Health care in California has gone through radical changes since the passage of the Patient Protection Affordable Care Act (PPACA) in 2010 and the implementation of Health Care Reform in 2013. Obamacare plans in California are sold through the state health insurance exchange, Covered California.

Individuals, families and businesses can enroll on a health care plan through Covered California, through Medi-Cal, through a health insurance broker, or by contacting a health insurance carrier directly. Popular carriers offering health insurance in California include Anthem Blue Cross, Blue Shield of California, Kaiser Permanente, Health Net, Molina and United Healthcare. For rates and benefits, click California Health Insurance Quotes. Open Enrollment 2017 is from November 1, 2016 to January 31, 2017. Outside of that window, you may apply during the Special Enrollment Period as long as you have a qualifying life event.

Government agencies that regulate health care in California include the California Department of Insurance, the California Department of Health Care Services, the Department of Managed Health Care (DMHC) and Ombudsman. The DMHC and Ombudsman offer protections and legal assistance for the consumers of health care in California.

 

by Wendy Barnett

Covered California Sends NoticesHave you received a recent letter from Covered California?  If so, make sure to open it and read it right away. Covered CA notices are always important to read, but if the recent notice sent out to certain enrollees is ignored, members may lose their financial assistance!

In the last week of April, 2017, Covered CA sent out letters called the Consent, Income and Tax Attestation Notice to members who haven’t complied with certain rules.  These members must complete certain steps by May 15th to ensure their tax credit stays in tact. (more...)

Posted: May 6th, 2017 under Covered California Insurance

by Wendy Barnett

When you have lost your job, your medical insurance from your employer can end, too.  Being without work can be a stressful time, but understanding your health insurance options doesn’t have to be. There are 4 important things to know when you have lost your job health insurance:

  1. COBRA will most likely be offered to you from your employer, but it is usually expensive and you do have other options
  2. Time is of the essence – There are rules about when you can apply for health insurance
  3. You may qualify for help such as Medi-Cal which can be free or an Advanced Premium Tax Credit (APTC) which lowers the cost of your health insurance
  4. In California, the California Exchange (Covered California) is the only place that offers APTC

Did you know that since Obamacare took effect that most people must apply for their health insurance during a particular period of time each year called Open Enrollment which occurs in the fall? Once Open Enrollment closes, a Special Enrollment Period begins in which applicants must experience a Qualifying Life Event in order to apply. (more...)

Posted: April 7th, 2017 under Apply with Covered California , Covered California Insurance

by Wendy Barnett

Are you moving, planning on moving, or have you recently moved?

Qualifying Life Events (QLE) are big life occurrences called triggering life events that allow you to enroll in individual or family health insurance outside of the Open Enrollment Period. There is a whole list of life events that can be applicable, but this article will cover moving. (more...)

Posted: March 31st, 2017 under Apply with Covered California , Covered California Insurance

by Wendy Barnett

Covered California recently sent out an e-mail to members with “Helpful Tips.” The March 2017 e-mail includes guidelines on what services are free and how to get started using the plan. As a health insurance agent I am surprised that I commonly hear from members that they have never used their plan. This is really unfortunate since there are free benefits that members can use to help them stay healthy. I really encourage members to follow the “Getting Started” steps below, that way they will be set up to use their plan much more easily if something urgent arises. (more...)

Posted: March 25th, 2017 under Covered California Insurance

by Wendy Barnett

Covered California offers Small Business and Group Health Insurance in California to businesses with 1-100 employees at any time throughout the year and seeks to better the program experience by listening to customer concerns. For instance, the concern about a delinquency notification policy was recently addressed.

Background: Delinquency notifications were causing confusion

Covered California for Small Business (CCSB) had been sending out notices to both the employer and to employees whenever a policy was late on a premium payment. Policies are given a 30-day grace period for payment to be made, and notices to such effect were going out to both employers and employees on the 5th of each month. This was causing confusion for all involved. (more...)

Posted: March 16th, 2017 under Covered California Insurance , Small Business Health Insurance