What does the Covered California Health Exchange do?

The Covered California Health Exchange is an entity that assists Californians apply for health insurance and get help paying for health insurance premiums. The exchange was developed because of the Obamacare law. All plans on Covered California include the minimum required benefits for a health plan under the Obamacare law and often exceeds them. Most health insurance companies in California offer plans that can be subsidized by the health insurance exchange, through Covered California. It is also possible to get dental and vision coverage added. These plans usually will have one plan on the exchange, that is eligible for subsidy, and one plan off exchange that is not. Californians who qualify for additional support will be eligible for better rates, and insurance plans that are low cost or no cost plans through the exchange.

In general, for families who have incomes below 600% of the federal poverty level (FPL), Covered California will provide them with both federal and state financial assistance, also called subsidy. This subsidy will reduce the overall cost of a health insurance plan.  If the income is below 250% for the FPL Covered California will provide additional reductions on the cost for doctors, specialists, and deductibles. These extra reductions in cost are called “Cost Sharing Reductions”. The lower your income goes the more reduction benefits you will be eligible for. Even health insurance that is free, if your income is low enough. To be eligible for subsidies you must not be eligible for other health coverage from your employer, Medicare, Medi-Cal, or from your spouse or parents. Also, in order to get these benefits, you must enroll in your health insurance plan through the Covered California health exchange. The best way to do this is through a Certified Covered California agency like Neighborhood Health Insurance Center. 

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.