Whether you are purchasing an insurance plan for you and your family or your small business, it is important to ask the necessary questions to make sure you are choosing a plan that not only provides the appropriate coverage but is within your budget.
With so many insurance programs available in California it is important to understand what your options are for insurance in California. There are four separate levels to choose from which are platinum, gold, silver, and bronze. Each plan offers different levels of coverage including different deductibles, co-pays, and coinsurance. It is important to sit down with your insurance agent to determine which Covered California insurance plans could work for you and your family. Within these plans, providers are required to provide what is referred to as essential health benefits. You should review these ten coverages with your agent to make you are utilizing all of your benefits.
Another important detail not to be overlooked is the subsidies. You will want to check if you are eligible for a tax credit or a cost-sharing plan based on your income level. An agent can review your financials and help you to determine if you qualify. There are many individuals and small businesses that are missing out on these cost saving opportunities because they do not take the time to speak to a licensed insurance expert.
Before deciding on which health care plan to choose if there is a particular healthcare provider you want to go to you will want to confirm they participate in the plan. Even if the provider is listed on the insurer or plans website it is recommended you call to confirm as the information could be outdated.
As a small business owner, navigating the options available through Covered California small business plans can also be overwhelming. An agent can help review your current business needs and help pick a custom plan that is right for your business and employees. Just like the plans offered to individuals and families, the plans for small businesses are also broken down as bronze, platinum, silver, and gold. However, small businesses can offer custom options to their employees. For example, the small business can provide the silver plan to its employees with the possibility to upgrade to the gold plan if they have additional health needs. In addition to health care options, California small businesses can offer employees the opportunity to purchase a dental plan through the Covered California small business plans.
If you are an individual or business looking for additional information on Covered California insurance plans, please feel free to reach out to the experts at Claims Plus Insurance Agency. We proudly serve the residents of California.
With so many insurance programs available in California it is important to understand what your options are for insurance in California. There are four separate levels to choose from which are platinum, gold, silver, and bronze. Each plan offers different levels of coverage including different deductibles, co-pays, and coinsurance. It is important to sit down with your insurance agent to determine which Covered California insurance plans could work for you and your family. Within these plans, providers are required to provide what is referred to as essential health benefits. You should review these ten coverages with your agent to make you are utilizing all of your benefits.
Another important detail not to be overlooked is the subsidies. You will want to check if you are eligible for a tax credit or a cost-sharing plan based on your income level. An agent can review your financials and help you to determine if you qualify. There are many individuals and small businesses that are missing out on these cost saving opportunities because they do not take the time to speak to a licensed insurance expert.
Before deciding on which health care plan to choose if there is a particular healthcare provider you want to go to you will want to confirm they participate in the plan. Even if the provider is listed on the insurer or plans website it is recommended you call to confirm as the information could be outdated.
As a small business owner, navigating the options available through Covered California small business plans can also be overwhelming. An agent can help review your current business needs and help pick a custom plan that is right for your business and employees. Just like the plans offered to individuals and families, the plans for small businesses are also broken down as bronze, platinum, silver, and gold. However, small businesses can offer custom options to their employees. For example, the small business can provide the silver plan to its employees with the possibility to upgrade to the gold plan if they have additional health needs. In addition to health care options, California small businesses can offer employees the opportunity to purchase a dental plan through the Covered California small business plans.
If you are an individual or business looking for additional information on Covered California insurance plans, please feel free to reach out to the experts at Claims Plus Insurance Agency. We proudly serve the residents of California.
