Covered California Minimum Coverage Plan

Enrolling in the Catastrophic Plan with 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 Catastrophic Plan offers a low monthly premium but higher copays for your normal day-to-day medical services. This would include things like doctors visits or specialist doctors visits for the first three non preventative visits.  Additionally, generic medications are to be paid 100% by you, as well as, your lab work and x-rays,  prior to paying the deductible of $8,550 a year. After the deductible is met the plan will pay the remaining costs 100%. Aside from the lower monthly premiums, the most important aspect of the Catastrophic 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 Catastrophic plan though, there is a high deductible of $8,550 to satisfy and your yearly cost is limited to a total of $8,550 for a single person and $17,100 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  Catastrophic 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 with Covered California to provide no cost assistance with enrollment, renewal, and account assistance all year round.

How can you Qualify for a Catastrophic Plan?

More often than not, people who apply for the Catastrophic Plan 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 Catastrophic Plan plan or may be able to apply outside of Covered California directly with the insurance carrier. There is no income eligibility requirement for the Catastrophic Plan because monthly premium assistance is not available on these plans. 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 Catastrophic Plan plan. If you are a child or have children under the age of 18 then they will not be eligible for the Catastrophic Plan 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 Catastrophic Plan plan good for you?

If you are somebody who prefers to have higher copays and deductibles in exchange for  lower monthly premiums the Catastrophic Plan 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 no prescription usage.  

Extra Considerations

One thing to keep in mind with the Catastrophic Plan 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  Catastrophic Plan is the best option for you. But if you anticipate having to go to the doctor often then 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 Catastrophic 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.