California Health Care
California has been experiencing damaging wildfires for several years now, and they do not seem to be letting up any time soon. To help you be prepared for any dangers, Health for California is opening a special enrollment period for anyone who can be affected by the wildfires.
The wildfires in California are becoming more intense and destructive. This can be due to several factors, but the climate is the primary concern. Summer heat is getting drier, and droughts surely do not help. Dry air during the colder months can also contribute to brittle forests. In these cases, it only takes one spark from a lightning strike or rogue bonfire to start a forest fire.
As of August 2022, there have been over 5,800 fires burning over 200,000 acres of land so far this year. These numbers are subject to change as incidents occur throughout the year.
Because of these encroaching dangers, Health for California is offering a special enrollment period. These periods allow individuals and their families to...
Covered California recently announced an increase in health insurance prices for 2023. Continue reading for more information on the cause of the price increases and what this can mean for you.
Enrollees in Covered California can expect to see a 6% increase in prices for health insurance in 2023. However, looking at the previous four years indicates an average insurance rate that is well below the national average at 2.3%. The total average includes the record-setting lows of 2020 and 2021.
Data has shown that this average rate change is still below the 10% national average of states that have preliminarily filed their rates.
However, keep in mind the 6% rate change average for 2023 is just that — an average. The specific rate change that may affect you can depend on your region. For example, region 11 — Fresno, Kings and Madera counties — are seeing no increase, while regions 1 and 13 are seeing a rate change in the double digits.
Several factors could have influenced California’...
Covered California is offering insurance from a few new carriers, starting in 2023. Continue reading to see how these new insurance plans can fit your needs.
Aetna is a part of CVS Health and is a new health insurance option with Covered California. Aetna currently serves 34 million across the nation. After joining Covered California, it will begin to reach the following Californian regions:
Aetna is a part of the Affordable Care Act (ACA), and its plans cover hospitalization, preventive care and mental health services. Benefit from better access to healthcare providers through walk-in MinuteClinic® appointments and 24/7 telehealth services.
If you are a California resident seeking vision insurance coverage, you’re in luck! Superior Vision is also joining Covered California in 2023. This insurance company has been supplying vision benefits to millions of Americans. Everything Superior Vision does for its clients is member-focused, ensuring its services fit your needs where applicabl...
If you’re burdened with high health insurance premiums and increasing out-of-pocket costs, a health maintenance organization (HMO) plan might be right for you. HMOs are managed care plans that are also often the most affordable health insurance plans you can find. HMOs usually have their own network of doctors, specialists, clinics and hospitals, which allows them to negotiate a certain level of payments for the services their network provides.
HMO plans are a fantastic option for many California residents, but there are many factors to consider when determining if an HMO is right for you. Two primary factors that distinguish an HMO plan include:
HMOs are a great choice for those that don’t have specialized health care needs. If you find that you only really need annual health exams and immunizations, an HMO plan could help keep your monthly premiums low.
HMO plans are just one form of health coverage. Another type of coverage, a preferred provider organization (PPO), is a more...
In early August, California Governor Gavin Newsom responded to the outbreak of the monkeypox virus spreading around California, constituting a public health emergency. Because of these current events, Health for California is issuing a special enrollment period for our health insurance services.
The monkeypox virus comes from the same family as the variola virus, which causes smallpox. Contrary to popular belief, monkeypox and chickenpox are not related.
Being a virus, monkeypox can spread through close, often skin-to-skin contact. This can involve coming into direct contact with the rash, scabs, body fluids or respiratory secretions from someone with the virus. Additionally, touching objects, fabrics or surfaces after those with monkeypox have touched them can spread the virus.
With the variola virus and monkeypox virus being so similar, their symptoms are also similar, with monkeypox being much milder. The main sign of monkeypox is a rash on or near the genitals or anus. Usually, the in...
Receiving good dental care at a young age can prevent cavities and gum disease in kids and give kids a lifetime of bright smiles. Many parents follow best practices for kids’ dental health, such as regular brushing and flossing. Still, these habits may not be enough to prevent every dental condition. Providing dental insurance for your kids is an excellent way to support good oral care and prevent dental issues later in life.
The Affordable Care Act lists dental insurance for kids as one of its 10 essential health benefits, and many plans in the Covered California Health Exchange include this coverage. However, obtaining dental coverage for your entire family requires adding supplemental dental insurance to your family plan or purchasing a stand-alone dental plan.
If you’re looking for California dental insurance for your kids, this guide provides valuable tips and ideas. Discover more critical things to know about California dental insurance for kids!
The top benefit of dental pla...
Unexpected medical expenses throughout the year can be an enormous burden on your finances. Fortunately, during tax season, you may be able to find some financial relief through the medical expense tax deduction. At the federal level, you may be able to deduct some of your qualifying medical expenses as long as you meet the requirements from the IRS.
Keep your receipts if you or your dependents spend time in the hospital or face costly medical costs during the year. Tax deductions can lower your total tax liability and reduce your taxable income. If you are interested in claiming medical expenses on your taxes, this article is for you. We cover what the medical expense deduction is, what the qualifying medical expenses are, what medical expenses are not tax-deductible and how you can claim medical expenses on your taxes.
The medical expense deduction allows taxpayers to deduct unreimbursed, qualified medical expenses. This deduction lowers your taxable income if you spend more than 7.5%...
If your insurance doesn’t fully cover your medical bills, you may be able to use them to reduce your tax bill. Only some medical costs are tax-deductible, so it’s important to understand which costs you can claim on your taxes. The Internal Revenue Service (IRS) has specific rules about qualified medical expenses and how to properly deduct them.
Individuals are responsible for covering different amounts of medical costs depending on their insurance plan. Your plan will cover a certain percentage of your medical costs, but you will be responsible for the remaining percentage of costs.
Policyholders are responsible for certain costs based on the following health insurance plans:
Depending on your coverage level, you may be responsible for paying large sums toward your medical expenses. You can claim qualified, out-of-pocket medical expenses as deductions on your taxes and use them to reduce the amount of taxes you pay for the year.
When you enroll in California health insurance through...
When you sign up for a health insurance plan, you need to consider various out-of-pocket costs. Your deductible will typically be the most expensive cost to consider, so it’s important to understand the difference between low deductible health plans and high deductible health plans. The deductible that’s right for you will primarily depend on your health and financial situation.
Before choosing a health insurance plan, it’s important to consider all of the potential costs you need to cover. Before signing up for an insurance plan, consider the following factors:
Your health insurance deductible is the money you pay for eligible medical services before your insurance plan kicks in and starts to pay. For example, if you have a $1,000 deductible, you will pay the first $1,000 of your medical bills out of pocket. After you pay the deductible, you will typically only have to pay a copayment fee on covered services while the insurance company covers the remaining amount.
High deductible p...
Travel is an exciting way to explore the world. Whether you take a trip across the country or the other side of the world, you can learn about new cultures and try new ways of life. Many people take advantage of travel’s benefits, with millions of Americans traveling each year.
When planning for a trip, one factor to consider is travel insurance. Travel insurance offers coverage for potential risks or financial losses during your trip. Depending on the type you select, it could cover anything from lost luggage to travel-related injuries. The insurance keeps you from losing money in case of emergencies.
Many travelers debate whether travel insurance is worth the extra cost. Read on for more information about when to use travel insurance.
One of the biggest questions people pose about travel insurance is whether it’s worth the additional payment. It can sometimes be tricky to understand when you need travel insurance and when you don’t.
Travel can often be expensive, from transportat...
Not sure how Obamacare affects your health care plans in California? Learn how the ACA works in California, including benefits, costs and enrollment.
Covered California is the Golden State’s official health exchange marketplace where individuals, families and small businesses can find high-quality, low-cost California government health insurance.
Learn about Obamacare income guidelines in California using our income limits chart, and see if you’re eligible for government assistance.
Learn about the Covered California website. Find easy online enrollment. Set up your account, log in, buy insurance and more on the California health marketplace website.