COVERED CALIFORNIA INSURANCE
What is Covered California?
- Get Help With Costs: Covered California is the only place to get financial help to pay for your Health Insurance.
- Brand-Name Insurance: Quality HEALTH, DENTAL & VISION Insurance are available, when applying for Insurance via Covered California.
Who MAY apply for Covered California Insurance?
- Individuals and Families may apply to see if they qualify for financial help to cover the cost of Health and Dental Insurance via Covered California.
- Covered California helps our Golden State Residents secure FInancial Support for Health & Dental Insurance, Under the Affordable Care Act.
Covered California Facts
Which Insurance Carriers are available via Covered California?
- You may choose Health Insurance from more than 11 Insurance Companies.
- You may also choose quality Dental & Vision Insurance.
What is the Annual Rate Increase?
- Please keep in mind that premiums will increase due to age, each year.
What is the California Mandate?
- Effective January 1, 2020, a new state law requires California residents to maintain qualified health insurance throughout the year.
- Individuals who fail to maintain qualified health insurance will owe a penalty, unless they qualify for an exemption.
What is the penalty for not having Health Insurance in California?
- Please refer to the Penalty Calculator towards the bottom of this page.
What are Subsidies?
- Put simply, a Health Insurance Subsidy helps you pay for your Health Insurance Premiums.
- Subsidies lower your monthly premium, which is the amount you pay for Health Insurance Coverage every month.
- Some subsidies also help by lowering other costs, like your co-pays, deductible and max-out-of-pocket.
- A Subsidy is not a loan. You will not have to pay them back.
- We Provide Qualified Guidance at No Cost to Our Clients
covered California insurance for small BUSINESS
Covered California May Help Small Businesses Save on Health & Dental Insurance
How CCSB Can Help You Business?
- Covered California for Small Business (CCSB) helps you find Health Insurance for your employees that fit 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, to OSCAR, Health Net, KAISER, and more...
- CCSB provides access to the broadest network of physicians and hospitals in California.
Benefits for Your Business
- WE help you complete the initial enrollment process all online.
- And you may also manage your account, make plan changes, update employee information, renew your coverage, and more, on your own, or with our help throughout the year!
- 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 is available to qualifying small businesses.
Benefits for Your Employees
- Peace of mind and financial protection in case of a major illness, or accident.
- Compare and choose Health Insurance plans, costs, doctors, and hospitals.
- Control costs by choosing the plan that fits your employees’ needs and your budget.
- We Provide Qualified Guidance at No Cost to Our Clients
Why get help from a Certified INSURANCE Agent?
- A licensed agent who wishes to sell Covered California Plans on the State Health Insurance Marketplace must receive an additional Certification as a Covered California Agent.
- To obtain Covered California Certification, an agent must complete online courses, pass initial, and annual exams, submit an agent agreement, and must hold a valid California State Health & Life Insurance License, which is renewed every 2 years.
- With all of the uncertainty created by the Healthcare Reform Law, it is important to work with a Licensed Professional who understands the law and knows which options for coverage will work with your local Providers, Medical Groups, and Hospitals.
Would you like us to HELP you apply for Covered California Health Insurance Coverage?
- If you need Health Insurance coverage, rely on us here at Marina Del Rey Insurance Services Incorporated for expert help.
- We have been honored to be a part of the Trusted Covered California Team, to support those applying for Affordable Health & Dental Insurance, since 2014.
- We are qualified to answer any insurance-related questions you might have.
- Schedule your appointment today by clicking on this link, or call us at (424) 272-5074.
- We Provide Qualified Guidance at No Cost to Our Clients
shop Covered California VISION insurance BY Eye-med
DO YOU NEED VISION INSURANCE?
- What are the biggest benefits of Vision Insurance?
- Vision insurance may help reduce the cost of Eye Exams, eyeglasses, contact lenses, or Vision Correction Surgery like LASIK.
- We Provide Qualified Guidance at No Cost to Our Clients
NEW CALIFORNIA STATE LAW AS OF JANUARY 1, 2020
EFFECTIVE JANUARY 1, 2020, ALL CALIFORNIA RESIDENTS ARE REQUIRED TO EITHER:
- Obtain and keep qualifying health insurance coverage
- Or request and prove exemption from the requirement to have coverage
- Or be required by law to pay a penalty when filing their state tax return
WHAT IS REQUIRED TO AVOID A PENALTY?
Beginning on January 1, 2020, to avoid a penalty, you must have qualifying health coverage for each month of the year for:
- Yourself
- Your spouse or domestic partner
- Your dependents
Many people may already have qualifying health insurance coverage, for example through:
- Employer-sponsored plans
- Coverage purchased through Covered California or directly from insurers
- Medicare
- Most Medicaid plans
INDIVIDUAL SHARED RESPONSIBILITY PENALTY ESTIMATOR CALCULATOR
The State of California Franchise Tax Board created a Penalty Estimator Calculator, which is a tool for you to estimate the penalty you may owe if you do not have health care coverage. To get an accurate penalty amount you may click the button below here: