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Covered California Has Four Plan Tiers
This is the most basic tier. These are high deductible plans which means that the consumer will pay out of pocket for the deductible before the insurance plan will begin to pay.
Silver plans are considered to be the best plans for the price. If you are receiving a subsidy these are the plans that Covered CA will guide you towards. These plans will have the best prices and the best plan designs for your health needs.
These plans are available to those who typically are going to use their health care more than most people. The have no deductible and a $30 co pay for primary care visits.
These plans cover 90 percent of the actuarial value of the costs and health expenses. They will always be the most expensive plans on the Covered California calucator. To get more information either go to the coveredca.com website or call us directly at 855-441-2245.
Who can get Covered California?
Most people under the age of 65 and over the age of 18 and who are citizens or permanent residents of the United States and are residing in California.
You are eligible under age 65 if:You are not receiving or are not eligible to receive Social Security benefits;
- You are not receiving or are not eligible to receive Social Security benefits;
- You are not receiving disability benefits; or
- Your employer is not offering you affordable coverage; or.
Before age 65, you are eligible for free Medicare hospital insurance if:
- You have been entitled to Social Security disability benefits for 24 months; or
- You receive a disability pension from the railroad retirement board and meet certain conditions; or
- You receive Social Security disability benefits because you have Lou Gehrig’s disease (amyotrophic lateral sclerosis); or
- You worked long enough in a government job where Medicare taxes were paid and you have been entitled to Social Security disability benefits for 24 months; or
- You are the child or widow(er) age 50 or older, including a divorced widow(er), of someone who has worked long enough in a government job where Medicare taxes were paid and you meet the requirements of the Social Security disability program; or 7
- You have permanent kidney failure and you receive maintenance dialysis or a kidney transplant and: —You are eligible for or receive monthly benefits under Social Security or the railroad retirement system; or —You have worked long enough in a Medicare-covered government job; or —You are the child or spouse (including a divorced spouse) of a worker (living or deceased) who has worked long enough under Social Security or in a Medicare-covered government job.
Medical insurance (Part B) Anyone who is eligible for free Medicare hospital insurance (Part A) can enroll in Medicare medical insurance (Part B) by paying a monthly premium. Some beneficiaries with higher incomes will pay a higher monthly Part B premium.
If you are not eligible for free hospital insurance, you can buy medical insurance, without having to buy hospital insurance, if you are age 65 or older and you are—
- A U.S. citizen; or
- A lawfully admitted non-citizen who has lived in the United States for at least five years.
Covered California plans include:
- HMO plans (must choose a doctor within the health insurers network)
- PPO plans (must choose a doctor within the network – usually a larger network than HMO)
- EPO – combo between HMO plan design and PPO network
Once the open enrollment period opens you can make changes from November 1st – January 31st. You may change health insurance carriers or you can change your subsidies if your income has changed.
HOW DO I GET STARTED?
California Insurance Providers and BCBIS has contracted with leading health insurance carriers and Covered California to provide you an easy starting place to receive Covered Ca Plans: call us now at 855-441-2245. We DO NOT charge for our services. It is FREE of charge or fees.
We are a certified agent with Covered California and you can find us here or on coveredca.com
We understand there is a lot of valuable and important information shared with us. It is our policy to NOT share any of our clients information with anyone other than ourselves. We are regulated by the California Department of Insurance as well as Covered California. You can find us on both of their websites, and if you are looking for help in finding us, just give us a call and we will walk you through it. We collect all of your information because we are required to do so to process health insurance policies and nothing more. We do not sell any other products besides Covered California Medical policies. Covered California may or may not share your information. This is the clients responsibility to contact and ask Covered California directly (800) 300-1506 for their service department.
Your privacy is very important to BCBIS – we are an insurance agent, and our license depends on taking care of our clients. If you have any concerns regarding your privacy, please call us.
- Information, if any, that we us
- The different health options our clients have
- What it is that we do and who we are
BCBIS is an insurance agency that is a Certified Insurance Agent under Covered California. We offer and have appointments with Kaiser Permanente, Anthem Blue Cross, Health Net, Humana, and Blue Shield of California.
All marketing materials, external communications, or websites which use Covered California Marks or refer to Covered California in any way must be accompanied by the following disclaimer in a conspicuous font: “Covered California,” “California Health Benefit Exchange”, and the Covered California Logo are registered trademarks or service marks of Covered California, in the United States.””
Information we share
We do not share personal information with companies, organizations and individuals outside of BCBIS or www.Californiahealthcare.com unless one of the following circumstances applies:
- With your consent We will not share personal information with companies, organizations or individuals outside of BCBIS even when we have your consent to do so.
- We have no direct affiliates. Our information is uploaded directly in to Covered California’s secure website through our login portal.
- For legal reasonsWe will share personal information with companies, organizations or individuals outside of BCBIS if we have a good-faith belief that access, use, preservation or disclosure of the information is reasonably necessary to:
- Meet any applicable law, regulation, legal process or enforceable governmental request.
- Enforce applicable Terms of Service, including investigation of potential violations.
- Detect, prevent, or otherwise address fraud, security or technical issues.
- Protect against harm to the rights, property or safety of BCBIS, our users or the public as required or permitted by law.
- We restrict employee access to all valuable information
- Information is secure and not shared through email
This website is owned and maintained by Bluefin Corporate Benefits & Insurance Services, which is solely responsible for its content. The email addresses and phone numbers that appear throughout this site belong to Bluefin Corporate Benefits & Insurance Services and cannot be used to contact Covered California. This site is not maintained by or affiliated with Covered California, and Covered California bears no responsibility for its content. DBA Bluefin Corporate Benefits & Insurance Services | License #0F46900. Corporate address: 2033 San Elijo Ave Unit 212 Cardiff CA 92007.