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Covered California
As certified Covered California brokers, we are contracted with all the available carriers in your area. If you already have coverage, or are looking for coverage for the first time, we would love to help you compare all your options so you get what you need at the most affordable cost.
What is Covered California?
Covered California is the health insurance marketplace in the U.S. state of California established under the federal Patient Protection and Affordable Care Act. The exchange enables eligible individuals and small businesses to purchase private health insurance coverage at federally subsidized rates.
When you apply, you may qualify for a discount on a health plan through Covered California, or get health insurance through the state's Medi-Cal program.
Individuals & Families
It’s impossible to predict when or whether someone will get sick or have an accident, which makes purchasing health insurance a wise decision for anyone.
Covered California is the only place where an individual can learn about and use federal financial assistance that can help reduce health care costs. Consumers can also learn if they are eligible for low-cost or no-cost Medi-Cal.
Covered California makes it simple and more affordable for millions of Californians to get affordable, quality health insurance, including Medi-Cal, that can’t be canceled or denied because of a pre-existing medical condition or if someone gets sick. Covered California offers a range of plans so consumers can choose the one that best meets their health needs and financial situation.
Coverage Basics
It can be overwhelming to select a health insurance plan from the many options available. Before getting started, it is important to understand the big changes that have happened in health insurance recently:
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Coverage Levels: Most health insurance newly sold to individuals and small businesses must now be classified as one of four levels of coverage: Bronze, Silver, Gold or Platinum. In addition to those four levels of coverage, a minimum coverage plan is available to those who are younger than 30 or can provide certification that they are without affordable coverage or are experiencing hardship.
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Essential Health Benefits: All health insurance plans offered in the individual and small-group markets must provide a comprehensive package of items and services, known as essential health benefits. These benefits fit into 10 categories, and include services like prescription drugs, mental health care, and emergency services.
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Dental Coverage: All Covered California health insurance plans offer embedded pediatric dental coverage. This means that dental insurance for children is included in the price of all health plans purchased in the exchange. In addition, Covered California now offers supplemental dental coverage for adults, through optional family dental plans.
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Vision Coverage: Covered California offers consumers a pathway to quality vision care. Vision care benefits for children are included in all health plans purchased through the exchange. Vision care for adults is not offered in Covered California health plans, but Covered California works with certain vision insurance companies to offer vision coverage directly to consumers.
Consumers are encouraged to explore the plans that include these new features by visiting the Covered California Health Plans page. Consumers can find plans organized by region, coverage level and coverage type.
Documents to Confirm Eligibility
Covered California compares the information you enter on your application with government data sources or information you have provided before. If the data is inconsistent, we ask you to submit documents to confirm the new information.
Small Businesses
Covered California for Small Business (CCSB) has a fresh approach to offering health insurance to your employees. CCSB is designed with your business needs in mind. CCSB enables employers to remain in control of their health care budget while employees have the freedom to choose a health plan that has the doctors and hospitals that best meet their needs.
How CCSB Can Help Your Business
Covered California for Small Business (CCSB) helps you find health insurance for your employees that fits your budget and theirs.
You decide the level of coverage and how much to contribute toward your employees’ health insurance premiums. Then you and your employees select the plan that fits your budget.
Choose from HMO and PPO plans from Blue Shield of California, Health Net, Kaiser Permanente, Oscar and Sharp Health Plan for 2020. CCSB provides access to the broadest network of physicians and hospitals in California.
Benefits for Your Business
MyCCSB portal enables you to complete the initial enrollment process all online. You can manage your account, make plan changes, update employee information, renew your coverage and more!
Billing is simple with all health insurance premiums on one consolidated monthly invoice. Pay online using MyCCSB for added convenience.
Federal tax credits to lower the cost of coverage are available to qualifying small businesses.
Benefits for Your Employees
Peace of mind and financial protection in case of a major accident or illness.
Compare and choose health insurance plans, costs, doctors and hospitals.
Control costs by choosing the plan that fits your employees’ needs and your budget.
Eligibility Guidelines
You are eligible for Covered California for Small Business if:
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You have at least one but no more than 100 eligible employees and meet certain contribution and participation requirements.
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You have at least one employee who receives a W-2.
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The majority of your eligible employees live in California.
You are eligible for Covered California for Small Business if you have 100 or fewer full-time-equivalent employees.
If you are a sole proprietor, with no W-2-receiving employees, you may be eligible to purchase coverage through Covered California’s individual marketplace.
These health insurance companies meet all the state and federal requirements for plans as well as additional standards established by Covered California. They represent a mix of major insurers and smaller companies, regional and statewide doctor and hospital networks, and for-profit and nonprofit plans. They deliver exceptional value and choice with affordable premiums, a wide choice of benefit levels and good access to doctors and hospitals in all areas of the state.
For more information about the health insurance companies Covered California works with, visit the Contact Your Health Insurance Company page.
Californians with limited incomes may be eligible for Medi-Cal. For information about the Medi-Cal program, visit the California Department of Health Care Services website.
This website is owned and maintained by Set Sail Insurance Group, which is solely responsible for its content. This site is not maintained by or affiliated with Covered California, and Covered California bears no responsibility for its content. The e-mail addresses and telephone number that appears throughout this site belong to Set Sail Insurance Group and cannot be used to contact Covered California.