{"id":488,"date":"2014-10-27T09:00:49","date_gmt":"2014-10-27T09:00:49","guid":{"rendered":"https:\/\/www.sweeneyins.com\/?p=488"},"modified":"2014-10-27T09:00:49","modified_gmt":"2014-10-27T09:00:49","slug":"expect-enrolling-covered-california","status":"publish","type":"post","link":"https:\/\/www.sweeneyins.com\/2014\/10\/27\/expect-enrolling-covered-california\/","title":{"rendered":"What to Expect When Enrolling in Covered California"},"content":{"rendered":"<p>If you\u2019re reading this you\u2019re likely interested in signing up for health insurance through Covered California, but probably have some questions. Don\u2019t worry. We know it can be a bit confusing. Here at Sweeney and Sweeney we are ready and waiting to help you choose the perfect plan for you and your family.<\/p>\n<p><strong>See If You Qualify<\/strong><\/p>\n<p>Covered California offers a variety of coverage options and financial assistance programs. The first step is determining which of these programs you qualify for. Eligibility is based on your annual income and family size. A quick look at the following chart will tell us which options are available to you. Take a look for yourself and see where you fit.<\/p>\n<p><a href=\"https:\/\/www.sweeneyins.com\/files\/2014\/10\/qualifying-chart.png\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-490 aligncenter\" src=\"https:\/\/www.sweeneyins.com\/files\/2014\/10\/qualifying-chart.png\" alt=\"qualifying chart\" width=\"444\" height=\"176\" \/><\/a>Do you qualify for Medi-Cal? If so, this means you are eligible to receive free public health insurance through the county in which you live.<\/p>\n<p>Do you qualify for financial help? If so, this means you are eligible to receive discounted rates on your insurance. In other words, the government will pay your health insurance provider a subsidy so that your monthly bill is lower. Depending on your income level, you may also get discounted rates on your out-of-pocket costs such as doctor\u2019s visits, medication, lab work, etc.<\/p>\n<p>If you don\u2019t qualify for Medi-Cal or Federal Assistance, don\u2019t fret. You can still purchase quality, affordable health insurance through Covered California.<\/p>\n<p><strong>Compare Your Coverage Options<\/strong><\/p>\n<p>This brings us to our next step: Choosing the best coverage option for your needs and budget.\u00a0 If you don\u2019t qualify for, or don\u2019t wish to enroll in Medi-Cal, you will be asked to choose from one of four benefit levels. These levels are explained in the chart below. However, before checking it out, keep these tips in mind.<\/p>\n<ul>\n<li><strong>Platinum or Gold<\/strong> options are best for those who need a higher level of medical care. If you choose one of these levels you will pay more per month and less when you need medical services.<\/li>\n<li><strong>Silver and Bronze<\/strong> options are best for those in good health who require less medical care. If you choose one of these levels you will pay less per month, but more when you need medical services.<\/li>\n<li>The <strong>minimum coverage plan<\/strong> is only available to people under the age of 30 or to individuals experiencing financial hardship. If you choose this plan, you will pay very little each month, but you can\u2019t receive financial assistance to help you out.<\/li>\n<\/ul>\n<p><a href=\"https:\/\/www.sweeneyins.com\/files\/2014\/10\/coverage-levels-chart.png\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-489 size-full\" src=\"https:\/\/www.sweeneyins.com\/files\/2014\/10\/coverage-levels-chart.png\" alt=\"coverage levels chart\" width=\"444\" height=\"168\" \/><\/a><strong>Choose a Provider Network and Plan<\/strong><\/p>\n<p>After choosing which benefit level works best for you, your agent will help you select a provider and plan. Covered California works with a number of private insurance companies who have been selected based on their trustworthiness, quality coverage, and affordability. Regardless of which plan and provider you choose, you will receive the same benefits. Your decision here will be depend on your preference of doctor and hospital networks.<\/p>\n<p>Affordable health insurance is just a few steps away. If you haven\u2019t done so already, give our office a call to set up a meeting with one of our Covered California Certified Agents.<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you\u2019re reading this you\u2019re likely interested in signing up for health insurance through Covered California, but probably have some questions. Don\u2019t worry. We know it can be a bit confusing. Here at Sweeney and Sweeney we are ready and waiting to help you choose the perfect plan for you and your family. See If<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"_links":{"self":[{"href":"https:\/\/www.sweeneyins.com\/wp-json\/wp\/v2\/posts\/488"}],"collection":[{"href":"https:\/\/www.sweeneyins.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.sweeneyins.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.sweeneyins.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.sweeneyins.com\/wp-json\/wp\/v2\/comments?post=488"}],"version-history":[{"count":0,"href":"https:\/\/www.sweeneyins.com\/wp-json\/wp\/v2\/posts\/488\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.sweeneyins.com\/wp-json\/wp\/v2\/media?parent=488"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.sweeneyins.com\/wp-json\/wp\/v2\/categories?post=488"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.sweeneyins.com\/wp-json\/wp\/v2\/tags?post=488"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}