California's state-based health exchange since 2013
Get a QuoteFind answers to common questions about Covered California health insurance plans, enrollment, and coverage options.
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There are two main considerations when selecting a health insurance plan:
Would you rather pay the insurance company or your doctor? With a lower deductible plan, you pay more to the insurance company monthly but less when you need care. With a higher deductible plan, you save on monthly premiums but pay more out-of-pocket when you receive medical services.
Check if your preferred doctors are in-network with the plan you're considering. This is crucial for managing your healthcare costs, as out-of-network care can be significantly more expensive or not covered at all, depending on your plan type.
Preferred Provider Organization plans offer maximum flexibility in choosing healthcare providers.
Best for: Those who want flexibility and don't mind paying more for it.
Health Maintenance Organization plans focus on coordinated care and cost savings.
Best for: Those who want lower costs and don't mind network restrictions.
An HSA (Health Savings Account) medical plan combines a high-deductible health plan with a tax-advantaged savings account, offering a unique approach to healthcare coverage and savings.
Tax-deductible contributions, tax-free growth, and tax-free withdrawals for medical expenses
Money rolls over year to year with no "use it or lose it" rule
Account stays with you even if you change jobs or retire
Understanding network status is crucial for managing your healthcare costs. The difference can mean thousands of dollars in out-of-pocket expenses.
Doctors and hospitals that have contracted with your insurance company to provide services at negotiated rates.
Doctors and hospitals that have not contracted with your insurance company.
Providers may choose to leave insurance networks due to payment disputes, administrative burden, or disagreements over treatment approvals. This is becoming more common as insurance companies try to control costs.
Dental insurance helps cover the cost of dental care, from routine cleanings to major procedures. Understanding coverage levels helps you choose the right plan.
| Type of Care | Coverage | Examples | Your Cost |
|---|---|---|---|
| Preventive | 80-100% | Cleanings, X-rays, exams | $0-20 |
| Basic | 70-80% | Fillings, extractions | 20-30% |
| Major | 50% | Crowns, bridges, dentures | 50% |
| Orthodontics | 50% | Braces, aligners | 50% (if covered) |
Can't find the answer you're looking for? Our certified agents are here to help you understand your coverage options and find the best plan for your needs.