ArtsAutosBooksBusinessEducationEntertainmentFamilyFashionFoodGamesGenderHealthHolidaysHomeHubPagesPersonal FinancePetsPoliticsReligionSportsTechnologyTravel

Covered California Health Insurance Exchange

Updated on May 29, 2013

Covered California Will Offer Affordable Health Insurance

Covered California will offer affordable health insurance to residents of the most populous state in the US.
Covered California will offer affordable health insurance to residents of the most populous state in the US. | Source

Covered California

California has the highest number of uninsured residents in the US, with 7.3 million in 2011. Covered California will change that by offering affordable health insurance to residents of the Golden State.

Covered California will become the primary California health insurance marketplace for individuals when it becomes operational on October 1, 2013. Covered California will provide online tools to enable easy comparisons between standardized health insurance plans offered by a number of reputable insurers.

Individuals shopping for health insurance through Covered California will not be denied coverage because they (or any of their family members) have a pre-existing health condition or get sick. Low-income individuals and families will qualify for free health insurance through Medi-Cal. Moderate-income individuals and families will qualify for premium subsidies to help make their health insurance affordable.

Access to Covered California

The health insurance marketplace called Covered California will begin enrollment on October 1, 2013 for coverage starting January 1, 2014. Millions of people will access Covered California's web site to compare standardized health insurance policies offered by different insurers online and to then complete an online application.

Individuals will also be able to speak to a Covered California Call Center Representative (CCR). The CCR will conduct a quick survey to establish family size and income. Low-income individuals who qualify for free health insurance through Medi-Cal will be referred to a county-based call center for assistance.

Income Verification and Premium Subsidies

Providing income information will be an important part of the Covered California application process since an individual or families income will determine whether they are eligible for free public health insurance or for premium subsidies.

Covered California applicants or their CCR will have access to income verification data from their last federal income tax return directly from the IRS' computers. This data will be sufficient to allow most people to estimate their income for the coming year. However, applicants will be allowed to override their tax data if they anticipate significant changes in income. Any discrepancy between estimated and actual income will be ironed out when the applicant files his tax return for the coming year.

Applicants who are eligible for premium subsidies for their health insurance will be asked if they receive or could receive "affordable" employer-sponsored group health insurance. If not, then they will be allowed to enroll with one of the health insurance plans offered by Covered California and have their premium subsidies applied in advance so it's paid directly to their selected health insurer.

Standardized Health Insurance Plans

Every insurance plan offered by Covered California will cover a list of healthcare services referred to as Essential Health Benefits (EHB). The EHBs will include doctor visits, hospitalization, emergency care, maternity care, pediatrics, prescriptions, medical tests and mental health care. The EHBs will also include preventive services like mammograms and colonoscopies with no out-of-pocket costs.

The coverage provided by the health insurance plans will be organized in four tiers. These tiers will be referred to as bronze, silver, gold and platinum, with coverage of 60%, 70%, 80% and 90%, respectively, of the actuarial health costs of the average person. The bronze plans will have the lowest premiums as they provide the least coverage, and the platinum plans will have the highest premiums.

Covered California will provide online tools for comparing the different plans.

Comments

    0 of 8192 characters used
    Post Comment

    No comments yet.

    working

    This website uses cookies

    As a user in the EEA, your approval is needed on a few things. To provide a better website experience, hubpages.com uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

    For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at: https://hubpages.com/privacy-policy#gdpr

    Show Details
    Necessary
    HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
    LoginThis is necessary to sign in to the HubPages Service.
    Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
    AkismetThis is used to detect comment spam. (Privacy Policy)
    HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
    HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
    Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
    CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
    Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the googleapis.com or gstatic.com domains, for performance and efficiency reasons. (Privacy Policy)
    Features
    Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
    Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
    Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
    Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
    Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
    VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
    PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
    Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
    MavenThis supports the Maven widget and search functionality. (Privacy Policy)
    Marketing
    Google AdSenseThis is an ad network. (Privacy Policy)
    Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
    Index ExchangeThis is an ad network. (Privacy Policy)
    SovrnThis is an ad network. (Privacy Policy)
    Facebook AdsThis is an ad network. (Privacy Policy)
    Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
    AppNexusThis is an ad network. (Privacy Policy)
    OpenxThis is an ad network. (Privacy Policy)
    Rubicon ProjectThis is an ad network. (Privacy Policy)
    TripleLiftThis is an ad network. (Privacy Policy)
    Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
    Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
    Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
    Statistics
    Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
    ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
    Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)