The reality from which we cannot escape and accept: ‘Life Happens!’ People get injured or sick, and that’s why health insurance is there. Some people buy health insurance from their employers, while others need to shop and pay for medical health insurance policies on their own. But, this process can get intimidating.
What type of coverage do you need for your family? Multiple options are there, like Covered California, MediCal, Obamacare, and more. And, you can’t purchase these items without knowing their benefits. But, California strives to make medical health insurance policies affordable and accessible.
Learn about three different low-cost health insurance options in California and decide which one is preferable for you.
What Is Covered California?
Covered California is a state-run insurance exchange where the residents can buy and compare multiple health insurance plans. Take a look at different Covered California plans and get started!
1. Plan Options
All plans offered through Covered California deliver significant health benefits. It includes:
- Ambulatory patient services
- Hospitalization
- Behavioral health treatment
- Emergency services
- Maternity and newborn care
- Laboratory services
- Preventative care
- Rehabilitation services
- Pediatric care
- Prescription drugs
2. Cost
The price of Covered California depends on multiple factors. You can select a metal tier for understanding your financial responsibility. The monthly premium cost for a Bronze plan will be the least expensive. If you face any issue, you can take our help. Our health insurance brokers will help you from the beginning till the end.
What Is Obamacare?
Obamacare is a popular name for the Patient Protection and Affordable Care Act (PPACA). President Obama signed this law in 2010. The federally mandated law is designed to reform health care and provide access to medical health insurance.
The independent medical health insurance agency suggests buying Obamacare because it offers “individuals and families financial assistance for purchasing health insurance, and the legislation expanded the Medicaid program to offer more coverage for low-income adults.”
1. Obamacare Plan Options
Obamacare health plans are available through the federally run health insurance exchange websites. If you live in other states like California, you can get Obamacare health insurance plans through state-run exchanges.
Covered California also falls under the state’s Obamacare exchange policy. It means Obamacare plan policies and rules are similar to Covered California options.
2. Cost
Obamacare plans are another term for the plans that Covered California offers. It means you can buy it using the same method. If you want to gather more information, you can follow us on Facebook.
Whether you buy Obamacare or Covered California, you have the option for financial assistance. We will help you during the application process. We will also enter all the essential information and requirements.
What Is Medi-Cal?
Medi-cal is another California health insurance program. It helps adults, children, and seniors with minimum and limited income low-cost health insurance.
1. Medi-cal Plan Options
You can buy Medi-cal plans through the Covered California health insurance marketplace. Like all plans submitted through Covered California, Medi-cal health plans also offer the same benefits like behavioral health treatment, emergency services, hospitalization, pediatric care, rehabilitation services, and more.
2. Cost
Medi-cal plans are reasonable for people with minimal income. It means the procedures are either low-cost or free. “Medi-Cal plans may have no out-of-pocket costs, such as copayments and monthly premiums.” – says the professional. Individuals covered under Medi-Cal will receive the same level of advantages through Covered California health insurance plans.
Which One Is Best for You?
Following all the provided information, which one you would like to buy; depends on you. Now that you know the difference between California health insurance options, you can decide as per your preferences.
1. Covered California
Covered California insurance plans are excellent options for individuals or families. It’s available to U.S citizens, U.S nationals, and permanent residents. Even the immigrants can apply for it.
2. Obamacare
Obamacare health insurance plans are available through the Covered California insurance marketplace. If you have already signed up for Covered California, you are covered by Obamacare.
3. Medi-Cal
If you think you can’t pay for Covered California health coverage, we would suggest you buy Medi-cal plans.
Our professionals from Skyline Benefit will help you determine all the procedures of Covered California. If you have any questions, you can consult our professionals.