What is Covered California?
Covered California is the name of California's Health Insurance Marketplace. Covered California will make it simple and affordable to purchase high-quality health insurance and access financial assistance to pay for coverage. You can shop online, over the phone, or in person to find the right health insurance option for you. Insurance companies can no longer charge more or deny coverage based upon a pre-existing condition (i.e. asthma, diabetes, cancer).
In the Sacramento area, 4 medical carriers will be participating in the exchange:
For specific questions regarding enrollment, eligibility, and/or costs please visit www.coveredca.com or call Covered California at 1-800-300-1506 Anthem Blue Cross of California Blue Shield of California Kaiser Permanente Western Health Advantage
Covered California has four levels of coverage: Bronze, Silver, Gold, and Platinum. Through Covered California, you can see if you are eligible for Medi-Cal or financial assistance to help cover the monthly premium cost for a Covered California health insurance plan. You can choose a Platinum or Gold plan with a higher monthly premium but pay less when you need medical coverage. Or you could choose a Silver or Bronze plan and pay a lower monthly premium but pay more when you seek medical coverage. You can choose the plan that best meets your health needs and financial situation. To shop and compare Covered California plans, please visit www.coveredca.com/shopandcompare
How much does health insurance cost?
Insurance may be less than you think and options are based solely on your age, zip code, and household income. Individuals and/or families seeking health insurance coverage may get help to afford health insurance through Covered California in three different ways:
Medi-Cal assistance: California has expanded its Medicaid program (Medi-Cal in California) and covers individuals under the age of 65, including individuals with disabilities, with an annual household income for a single individual with incomes of $15,856 or less. Families may also be eligible for Medi-Cal depending on their annual household income.
Premium Assistance: This helps consumers pay health insurance premiums and to help reduce the cost of health coverage for individuals and/or families who meet certain income requirements. To learn more about premium assistance and sliding-scale benefits work based upon your income, try the Shop & Compare Tool at www.coveredca.com/shopandcompare
Cost-Sharing Subsidies: This helps to reduce out-of-pocket amount of health care expenses and individual and/or families may have to pay. These expenses might include the cost you pay when you receive services or copayments for health care services. To learn more about cost-sharing subsidies, visit www.coveredca.com/individuals-and-families
Reference Source: https://www.coveredca.com/shopandcompare/2016/
What does Health Insurance Cover?
A serious illness or simple accident can leave you with devastating bills. A simple visit to the Emergency Room can cost $3,000 or more. Insurance can help with hospital care, prescriptions, emergencies, and more.
The Patient Protection and Affordable Care Act requires that all health plans offered in the individual and small-group markets provide essential health benefits in the following categories:
- Emergency Services
- Maternity & newborn care
- Prescription drugs
- Rehabilitative & habilitative services and devices
- Laboratory services
- Preventative & wellness services and chronic disease management
- Dental and vision care for children
- Ambulatory patient services
- Mental health & substance abuse disorder services
Associated Students Inc. offers insurance to students; for more information visit: www.csuhealthlink.com
Students are financially responsible for all medical services rendered outside of Student Health & Counseling Services. This includes care at local hospitals and/or urgent care centers.
To learn more about enrollment, eligibility, and/or costs, please contact:
- Covered California www.coveredca.com or call at 1-800-300-1506
- Sacramento County Department of Human Assistance dha.saccounty.net or call 916-875-6091
- Sacramento Covered 916-414-8333 or 1-866-850-4321
For more information about Medi-Cal and pending Medi-Cal applications, please contact My Benefits Cal Win at 916-874-3100 or 209-744-0499 or click link below:
CSU Health Insurance Education Project
The CSU Health Insurance Education Project (HIEP) is a joint CSU/CSULA project to educate CSU students, their families and campus staffs about the new health insurance law and the opportunity it offers many in the CSU community to get affordable health insurance. The CSU Health Insurance Education Project has representatives on 15 CSU campuses. To connect with a representative on your campus email the CSU Health Insurance Education Project.
What can I do if I forgot my username and password for Covered California?
You can reset your password by clicking "Account Login" and then clicking the "Forgot Your Password?" link. Enter your user name. After you correctly answer your security questions, you will be able to enter a new password. If you do not remember the answers to your security questions, it is best to leave them unanswered and call the Covered California Service Center at (800) 300-1506. A Service Center representative can help reset your password. A Covered California Service Center representative can help you reset your user name, but it will take a day or two to fix. Unfortunately, a representative cannot reset it immediately.
I want to keep my doctor. How do I know which health insurance company to pick to keep my doctor?
You can find a list of doctors for each health insurance company by clicking on the “Apply Now” button at www.CoveredCA.com and selecting “Preview Plans.” After entering some basic information, you can pick a health insurance company and click “View Directory.” Next you will be routed to the health insurance company’s online list of doctors. You can also contact the health insurance company directly to find out if your doctor is in the health plan’s network.
I applied for Medi-Cal but have not received any information from the county. What should I do?
You can read more about Medi-Cal and applying for coverage through Covered California here: www.CoveredCA.com/faqs/PDFs/Medi-Cal_FAQ.pdf and www.dhcs.ca.gov/services/medi-cal/eligibility/pages/InfoPendingMedi-calApps.aspx.
Medi-Cal has received many new applications, and proof of certain information is often required in order to complete each application. The California Department of Health Care Services gave temporary Medi-Cal coverage to many people who applied in December while their information was processed. If you have a specific question about your application, contact the Medi-Cal office in your county. You can find a list of those offices at this link: http://www.dhcs.ca.gov/services/medi-cal/Pages/CountyOffices.aspx.
I have questions about medications, accessing doctors, or specialists, who do I call?
If you have questions about your coverage under Medi-Cal managed care, you can call your health plan’s customer service line, just as you would under any other health coverage plan. Below is the directory of Medi-Cal managed care health plans, listed by county: Medical Directory