As the pioneering state to pass legislation within the framework of the Affordable Care Act, California must ensure that its strategies and plans through Covered California are successfully implemented. Covered California holds the responsibility to provide high quality and affordable health coverage to millions of Californians without any prejudice and discrimination, and it must fulfill this responsibility by working together with community partners, state and federal government. As more and more residents of California get the opportunity of affordable health care, our families, neighbors and the State will have better health choices to benefit us all.
Affordable health care is the national priority.
The Patient Protection and Affordable Care Act were passed in 2010 by the federal government to provide compulsory medical care to every American in need and reduce the overall cost of the health cover. The enacted law tried to reduce the cost of health coverage by making it compulsory and encouraged the uninsured people to get insured through a number of health benefits, including financial assistance. The provisions related to the financial assistance is extremely important for Californians as it ensures that individual as well as the small business can afford to pay for health insurance. The federal law also includes penalty provisions and any person more than 18 years of age will have to pay the penalty for not getting insured, starting from the year 2014. However, unless your coverage status has changed, you don’t need to buy any additional insurance if you feel that your existing affordable health insurance is enough to meet your requirements.
The Affordable Care Act requires that every state should either set up their health insurance marketplace for offering health coverage to those who still don’t have any health insurance or let the federal government set up such marketplace for them. The marketplaces are meant to provide an accessible place to let you compare different health plans and decide the best insurance plan for your family and budget. The State of California decided to set up its own marketplace named Covered California, which is going to serve as your doorways to affordable health care.
Getting California covered
As already mentioned, California has become the pioneering state to pass legislation under the Affordable Care Act. Covered California™ was launched as an organized marketplace for health insurance where the legal residents of California can buy health cover that cannot be denied irrespective of their sickness and pre existing health conditions. According to an estimate, about 2.6 million legal residents of California would qualify for financial assistance from the federal government, and the remaining 2.7 million Californians are going to benefit from guaranteed insurance coverage through Covered California and other insurance companies in the individual insurance market. According to an estimate, by 2017, around 2.3 million legal residents of California will be enrolling for health cover through Covered California. We offer a range of services covered under Essential Health Benefits to all the insurance plans covered through Covered California. The Essential Health Benefits include doctor visit, prescriptions, medical tests, pediatrics, maternity care, mental health care, and many more. The plans essentially include many preventive care services such as colonoscopies and mammograms without any additional cost to the customers. These are the basic guidelines for providing health cover and all new plans, whether offered by Covered California or other insurance agencies include these services.
Covered California offers equally high-quality health insurance as being marketed by other private companies, and thus you don’t have to compromise anything on quality grounds. Instead, you get the advantage of easily comparing different plans when buying insurance from Covered California. We have designed the new standard benefits considering our esteemed customers rather than the insurance companies and thus, we are proud to become the pioneers in providing apples-to-apples comparisons between various health plans. Not only this, you can drastically cut your health care costs by opting insurance cover from Covered California as we are the only insurance provider that allows you to easily use your cost-sharing subsidies and tax credits from the federal government. Thus, Covered California allows small entrepreneurs and businesses to provide affordable health coverage to their employees. Business owners with less than 25 full-time employees can explore the possibilities of tax credits by looking at the eligibility criteria while the business owners having less than 50 full-time employees can buy health insurance from Covered California. The Covered California is also planning to provide insurance cover to business owners with 100 full-time equivalent employees from October 2015. Covered California is completely dedicated to ensure that our valued customers choose the right health plan for them by becoming fully aware of available health coverage plans and easily comparing them. We provide complete help as we understand that choosing the right plan can be quite difficult and confusing for you. Our support service is available by phone, online and in person. We have launched an awareness campaign where we are training people in various local communities across the state so that our esteemed customers can learn the health cover options available to them. These trained professionals are going to help you in many different languages as well. Later this year, Covered California is planning to launch the insurance marketplace, beginning from January 2014, for enrolling eligible Californians and provide them health cover. Covered California offers health coverage to all the legal residents of California and such legal residents who are not covered by any government program or employers can purchase their health insurance from Covered California. Covered California is not only the online marketplace for high-quality insurance cover without any hassle, but steps ahead to provide affordable purchase with financial assistance.