As a resident of California, you have several ways of obtaining health insurance and have access to proper medical health services for you and your family. It’s unfortunate that not everyone in the state has sufficient California health insurance coverage, but it’s part of the mission of HealthQuoteInfo to help every resident to overcome this challenge.
One way to obtain affordable health insurance is to purchase a plan from a private carrier. You can enter your zip code in the search bar, and you’ll find health insurance plans from companies such as Kaiser, Cigna, Blue Shield, and Anthem. Find out about the details of these plans so that you can determine which one fits your needs and budget best.
Small Business Health Insurance California
Many residents of the state obtain their insurance from their employer, who gets a small group plan for their entire workforce. This type of policy provides coverage for every employee. However, the premium rates may be affected by the medical health history of the employees.
This plan simplifies the process of finding adequate health insurance for employees. It’s also often more affordable, as employers may pay a portion of the premium to cover the expense. The business needs to meet specific requirements such has to have at least two employees working at least 30 hours a week.
COBRA Coverage and Cal-COBRA
If you’re the employee and you move to another company, it may take some time for the health insurance from the new company to take effect. You may also be in between jobs for an extended period. In such cases, it doesn’t have to mean that during this time you’re without insurance.
The COBRA program ensures that you can continue to have that same health insurance plan as long as you pay for the premiums yourself. The federal COBRA program applies to companies with 20 employees or more, but the Cal-COBRA program applies to small businesses with just two to 19 employees.
It’s possible that private insurance carriers may reject your application for health insurance because you have a preexisting medical condition that may be too expensive to treat. If this applies to you, you still have an alternative option with the state’s Major Risk Medical Insurance Program. If you qualify for this program, you can get the coverage you need, and a percentage of the premium will be paid for by the state.
Medi-Cal & Low Income Health Insurance California
In many cases, families are unable to secure proper health insurance coverage from the private market due to the expensive premiums. This is why California offers Medi-Cal, which is the state’s version of the Medicaid program. It’s designed to help make sure that even low-income families can get proper health insurance coverage. It is also meant to support various other groups, such as senior citizens over the age of 65, children under 21, pregnant women, and people with disabilities.
To qualify, you will need to meet the yearly income ceiling, which is based on the poverty level. Individuals must have a yearly income that’s less than $16,395, which is 138% of the poverty level. The ceiling rises by an additional $5,741 for every extra person in the household.
The benefits are numerous, and it covers various types of medical services including hospitalization, disease prevention, and management of chronic ailments. It also includes laboratory services and even prescription drugs. Dental benefits are available for both adults and children, and there are also benefits for mental health and substance abuse disorder services.
This is a charitable program that enables children to get medical and dental insurance for a low cost per month. It also provides coverage for behavioral health services and can also cover the cost of prescription drugs.
California Healthy Families Program
The federal Children’s Health Insurance Program is meant to make sure that the children of low-income families who also don’t qualify for Medicaid get the California health insurance coverage they need as they grow up. In California, it’s called the Healthy Families program. As its name suggests, this started out for the adults and children of these low-income families. However, a budget deal in 2013 moved almost 900,000 children from the HFP into Medi-Cal.
With this program, families only need to pay a low premium for their health insurance. While it’s not like the no-cost Medi-Cal, it’s still much more affordable than typical private health insurance plans.
This is the Medi-Cal Access Program designed to provide comprehensive California health insurance coverage to the pregnant women in the state, at low or no cost. This program is also for those families whose incomes aren’t enough to comfortably afford private insurance, but which still exceed the ceilings mandated in the Medi-Cal guidelines. It’s also for pregnant women whose current health insurance plans don’t offer maternity services or which require payment (co-payment or deductible) of more than $500.
Once they give birth, their newborn babies can then be entered into the Medi-Cal Access Infant Program. They can then stay in the program for two years. This can last until they’re in an employer-sponsored insurance plan, your income makes you eligible for Medi-Cal, or your income increases and it exceeds the MCAP ceilings..
California Open Enrollment 2019 & California Obamacare Insurance
The California Open Enrollment period for health insurance in 2019 will run from November 1st, 2018 to December 15th, 2019.
For all your other questions regarding health insurance in California, please do not hesitate to give us a call at 1-855-614-5057. We stand ready to guide you so that you can get the health & medical insurance coverage you need and deserve.