Covered California Enhanced Bronze 60 Plan

Enrolling in the Bronze 60  level Covered California plan is usually recommended for people who have very low expected healthcare costs for the year or prefer to have lower monthly premiums and higher deductibles and copays  when they go to the doctor.

The Bronze 60 plan offers a low monthly premium but higher copays for your normal day-to-day medical services. This would include things like doctors visits which are only a $65 copay or specialist doctors visits that are a $95 copay.  Additionally, Generic Medications are set to a $18 copay and your lab work set at a $40 copay. Aside from the lower monthly premiums, the most important aspect of the Bronze 60 plan is that maximum money somebody can spend per year if something medically expensive happens. Something like a heart attack, cancer, or surgery. These types of medical costs, without health coverage, can cost hundreds of thousands of dollars. With the Bronze 60 plan though, there is a high deductible of $6,300 to satisfy and your yearly cost is limited to a total of $8,200 for a single person and $16,400 for a family. This is compared to the higher priced plans like Gold 80 or Silver 70 which have similar out of pocket maximums at  $8,200 for a single person or $16,400 for a family, but have higher premiums.  If you are interested in seeing more information for the  Bronze 60 plan through Covered California , please feel free to visit our website www.enrollsocal.com for more information or contact us directly at 844-367-655. Our services are 100% free and we are Certified by Covered California to provide no cost assistance with enrollment, renewal, and account assistance all year round.

How can you Qualify for a Bronze 60 Plan?

More often than not, people who apply for the Bronze 60 plan are looking for a plan that has low monthly premiums and are willing to pay more for their medical services and yearly deductible. You may apply through Covered California for the Bronze 60 plan or may be able to apply outside of Covered California directly with the insurance carrier. But if you apply outside of Covered California you will not be eligible for any premium assistance. The income range for eligibility into the Bronze 60 is between 138% of the Federal Poverty level (FPL) and up, there is no top limit to your income for the Bronze 60 plan.  But if your income is above 600% FPL you will not be eligible for either state or federal subsidy. If you are a child or have children under the age of 18 then they will not be eligible for the Bronze 60 unless the household income is above 266% of FPL. If the income is below 266% FPL then the children will be eligible for free health insurance through Medi-cal. We can assist with Medi-Cal enrollments as well.

Is the Bronze 60 plan good for you?

If you are somebody who prefers to have higher copays and deductibles but want lower monthly premiums the Bronze 60 plan will work well for you. It is a plan that has the lowest monthly premium but higher than average costs for medical services. It is  well suited for people who plan to have lower than usual medical services during the year, and only anticipate a few doctor visits, check ups and prescription usage.  

Extra Considerations

One thing to keep in mind with the Bronze 60 plan is that the plan is designed for people who have below average healthcare costs. But it also means you have to pay more when you go see the doctor. So, if you are relatively healthy and just need health coverage to avoid the California Health Insurance penalty, or just need it for checkups, the  Bronze 60 is the best option for you. But if you anticipate having to go to the doctor often through the year it may be better to get a higher cost plan that has lower usage costs. Additionally if your income fluctuates and it goes down during the year then you may be able to qualify for an Enhanced Silver plan that may have better benefits than your Bronze 60 plan for a only slightly higher cost. 

Another important consideration is, if you are choosing a PPO plan it is particularly important to understand that there are actually two sets of prices for medical services. The first is if you go to a doctor who is contracted directly with your health insurance company, for the plan you are enrolled into. This doctor is considered “in network”. But if your doctor is not directly contracted with the insurance plan you are enrolled into, they will be considered “out of Network”. In this case you will be charged a higher rate for your medical services.

We are the Covered California Enrollment Center, your place to get free assistance with your health insurance plan. We can assist you to sign up, enroll and update your private health Insurance, Covered California plan, Medi-Cal, Obamacare and Medicare insurances. Our California agency is certified by Covered California, to assist you in-person, over the phone or online in English and Spanish. 

We specialize in individual and family health insurance plans, Medicare, Medicare Advantage plans, Medicare Supplement (MediGap plans), Medicare Prescription Drug plans (Part D), as well as, Dental and Vision coverage. We can help you get enrolled into health insurance plans, compare healthcare options, provide required health coverage tax documents and review the plans that best fit your budget and healthcare needs.  

Call us today at 844-367-6555 for free assistance over the phone, visit our website at www.EnrollSocal.Com to make an appointment at our California Enrollment Centers Serving San Diego County, Los Angeles County and Imperial County.