Covered California Silver 70 Plan

The Silver 70 plan offered through Covered California is a plan that benefits from reduced costs for copays, deductibles and out of pocket maximums. It is the most popular level of plan offered by Covered California . 

The Silver 70 plan offers a good balance between out of pocket costs for normal day-to-day medical services and monthly premium. This would include things like doctors visits which are only a $40 copay or specialist doctors visits that are a $65 copay. It does have a Medical Deductible of $4,000. This cost really only comes into play in the case of larger medical costs. Additionally, generic medications are set to a $16 copay and lab work is a set $40 copay while the cost for X-rays are $85. Aside from the copays, the most important aspect of the Silver 70 plan is that maximum money somebody can spend per year if something awfully 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 Silver 70  plan though, your yearly cost is limited to $8,200 for a single person and $16,400 for a family. This is compared to the higher priced plans like Platinum or Gold which have out of pocket maximums as high as $4500 for a single person or $9000 for a family.  If you are interested in seeing if you qualify for the Silver 70 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 Silver 70 Plan?

A majority of people applying for health insurance through Covered California are eligible for a Silver 70 plan. First you must apply through Covered California, the Silver 70 plan is available through Covered California, as well as, plans outside of Covered California. But if you apply outside of Covered California you will not be eligible for any premium assistance. To be eligible for subsidy it will be based on your household size, age, income, and zip code which all factor into your subsidy eligibility. The income range for eligibility into the Silver 70 plan is between 250% of the Federal Poverty level (FPL) and up, there is no top limit to income for the silver 70 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 may  be eligible for the Silver plan depending on your income. For children specifically, your household must have above 266% of FPL or otherwise they will be eligible for free health insurance through Medi-Cal. We can assist with Medi-Cal enrollments as well.

Is the Silver 70 plan good for you?

If you are somebody who qualifies for the silver 70 plan, you should consider enrolling in it but also look at the other plan levels that are available. This is because if your medical usage is low, it may be better to choose a plan like a Bronze 60 or Catastrophic plan, because it will save you more monthly. This is a good plan if you have regular healthcare usage,  but don’t need the higher-level Gold or Platinum plans. It will allow you to offset some of your monthly premium by accepting a higher deductible. Which is useful if your healthcare needs are routine.

Extra Considerations

One thing to keep in mind with the Silver 70 plan is that eligibility for the plan is based on income. So, if your income decreases throughout the year you may be eligible for a better version of the Silver plan. Even a few dollars up or down could change your eligibility. If you have an income that fluctuates then your eligibility for the Silver 70 plan may change through the year. 

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.