Covered California Fresno Office
8 Reasons Why You Should Visit a Covered California Enrollment Center
Are you a California resident in need of healthcare? Here are 8 reasons why you should choose a Covered California Enrollment Center for your healthcare needs.
There has been so much going on in the news regarding the Patient Protection and Affordable Care Act that is hard for California residents seeking healthcare to know where to turn.
The fastest and most efficient way to get the information you need is by visiting a Covered California Enrollment Center.
Here are 8 reasons you should choose a Covered Calfornia Enrollment Center to help you through this process.
1. A Covered California Enrollment Center Won't Cost You A Dime!
When you visit an Enrollment Center, you will meet with a certified health insurance agent whose main objective is to help you.
You will speak with someone specially trained to ask you the right questions and respond to your inquiries. He or she is totally focused on helping you.
Any consultation you receive at one of these Centers is absolutely free. The brokers are there to provide information to help you make the right decision: they are not focused on selling you anything.
2. Enrollment Centers Can Advise Everyone in California Who Needs Assistance
The brokers at these Enrollment Centers are prepared to assist people from all walks of life with questions about signing up for health insurance.
Maybe you have just moved into the state, or have just lost your job. Maybe you have not had insurance previously, and you are afraid of the tax penalty you have heard about.
Or, maybe you are a small business owner, and you are unclear about your obligations to your employees. Maybe you want to insure your adult children or your dependent parents.
The people at Covered California Enrollment Centers can help you.
3. Enrollment Centers Can Help Any Time of Year
The period when you can enroll in a California healthcare plan is during open enrollment: between November 1st and January 21st.
However, there are exceptions to this rule. The Affordable Care Act allows special enrollment when there has been a qualifying life event.
Some events which might qualify you to enroll outside of the regular open enrollment period include:
- Losing your job (and the healthcare coverage it provided)
- Marriage or divorce
- Having a child
- Becoming a US citizen
- Getting out of jail
When you visit an Enrollment Center, you can receive all the information you need about the timing and circumstances around your enrollment.
4. Covered California Enrollment Centers Can Assist with MediCal
If your income falls below the poverty level, you may qualify for MediCal.
MediCal is California's Medicaid program, which serves low-income individuals and families.
The program offers a wide range of services for people who are unable to afford health insurance, including mental health support, substance abuse programs, emergency, dental and eye care, to name a few.
There are special benefits available for pregnant women as well (see below).
If you have concerns about your ability to pay, visit an Enrollment Center and speak to one of the brokers there about the options available to you.
5. Enrollment Centers Can Provide Guidance for Pregnant Women
Becoming pregnant allows a woman to become eligible for special services in California.
It is important that pregnant women be able to access prenatal care right away.
If you are expecting a child, speak to someone at a Covered California Enrollment Center about which services you might be eligible for.
There are special MediCal programs available for pregnant women covering a range of services including medically necessary tests, labor delivery, and pregnancy loss.
If your income is too high to qualify for MediCal, you might be eligible for tax credits to help lower the monthly premiums.
6. Covered California Works With Most Major Insurance Plans
When you come to a Covered California Enrollment Center, you won't get the hard sell from someone who has a financial stake in selling you something.
The representatives are there to give you information only.
Covered California Enrollment Centers work with most major insurance companies. They can explain to you the different options available to you depending upon your particular circumstances.
Some of the insurers Covered California works with include:
- Anthem Blue Cross
- Blue Shield Of California
- CCHP Health Plan
- Health Net
- Kaiser Permanente
- L.A. Care Health Plan
- Molina Healthcare
- Sharp Health Plan
- Valley Health Plan
- Western Health Advantage
All insurers are licensed and reputable. You can trust that you will receive information on any and all plans which might be right for you.
7. Small Business Owners Can Get Help, Too
Some of the biggest anxiety over the Affordable Health Plan arose over its impact on small business owners.
Many worried that they would be required to provide health insurance to all of their employees and might not be able to afford the high premiums.
A visit to a Covered California Enrollment Center can help alleviate these anxieties.
Come in and talk to one of the experts: they can tell you what your obligations are, depending on the size and nature of your business.
They can also give advice on which plans might be right for you.
8. Immigration Status Is Irrelevant
A Covered California Enrollment Center can assist immigrants regardless of their legal status.
These centers can provide guidance on MediCal, which may be available to immigrants who are not lawfully present in the United States.
They can also advise lawfully present immigrants, who are required to carry health insurance.
Lawfully present immigrants can include students, guest workers, U.S. nationals, green card holders, refugees, and others.
Members of these groups may be eligible for government assistance as well.
Brokers at enrollment centers can advise immigrants of all statuses of what they need to do to apply and which plans might be appropriate.
Visit a Covered California Enrollment Center Today
If you have any questions about your eligibility, application, premiums, coverage, or anything pertaining to your health insurance in California, visit a Covered California Enrollment Center.
The process may seem overwhelming and confusing, but there are people who are able to help and who have the knowledge you need. They will be able to explain it all to you and even help you through the application process.
Rest assured: you will get the guidance you are looking for.
If you need further help, we're here for you.