Are you looking for a Covered California agent that can provide significant savings for you and your family? At Skyline Benefit, our AHIP-certified team is dedicated to helping you get excellent deals through Covered California. Open Enrollment is available now through January 31st, 2020, with minimal rate increases as well as better access to a variety of service providers. If you’ve been on the fence about applying, now is the perfect time.
If you’re new to Covered California coverage, there are four main tiers denoted by metals, with one category that has several sub-tiers of enhanced coverage. Keep in mind that the figures shown are averages and can vary based on your health care needs, location, and income. These include:
Bronze-level coverage is a 60/40 split between the plan and you in terms of cost.
Silver coverage offers 70% coverage, while the enrollee pays 30%. Those who meet the qualifications can get an Enhanced Silver plan, which can provide even more out-of-pocket savings with lower co-pays, coinsurance, and deductibles.
Enhanced Silver plans can cover 73%, 87%, or 94% of healthcare costs, with the enrollee taking care of the rest.
Gold plans pay 80% of expenses, while you pay 20%.
Platinum-tier plans cover 90%, while you pay 10%.
For more in-depth information about Covered California and which tier best fits your income and healthcare needs, our team members are happy to provide guidance.
You may also be eligible for a minimum coverage plan if you are under the age of 30. These are additional plans with lower premiums that are designed to protect you from worst-case scenarios. If you have minimum coverage, you may not qualify for premium assistance (also known as the Advanced Premium Tax Credit).
Minimum coverage includes:
- Three doctor visits or urgent care visits, including outpatient mental health and substance use visits, with no out-of-pocket cost
- Free preventive benefits
All services are full negotiated in-network price until you spend $8,150. After that, you are 100% covered.
If you are looking for a Covered California agent, Skyline Benefit can provide you with the care that best suits your needs and budget. For more information about California healthcare services, or to learn more about how you can benefit from Covered California, contact our Covered California team today at (714) 888-5112.