Health Insurance for Families
Get your family the best health insurance protection through Covered California
Health Insurance for Families
Get your family the best health insurance protection through Covered California
Family Health Insurance
You know how important it is to have health insurance, but it can be challenging to find a plan that fits your whole family. From your newest addition on up, you want a healthcare plan that keeps everyone safe and healthy, and that fits your budget.
Not having health insurance can put your loved ones at risk as health events can happen anytime, and the associated healthcare costs can be devastating. Selecting the right insurance plan for your family helps to safeguard your loved ones and ensure they can get the care they need when they need it.
You might be surprised at how affordable quality healthcare coverage can be for your family. But navigating the many plans and options available can be a challenge. Tezana Insurance understands these challenges and our goal is to help families, like yours, find the healthcare plan that fits their needs and budget.
Insure your family through Covered California
Covered California assists with connecting families to name brand health insurance plans through the Affordable Care Act. This program allows families and individuals with low resources to receive financial aid towards insurance premiums. Depending on income, you might qualify to receive a discount on health care coverage plans or be eligible to receive insurance through your state’s Medi-Cal program.
At Tezana Insurance, we think it’s essential that you understand all your options. We’re here to support you every step of the way. The various combinations of insurance plans and health coverage types might seem a bit intimidating or perhaps overwhelming at first glance. However, Tezana’s Covered California Certified Agents are ready to assist you in making the right choice for you and your family. Health insurance plans are generally divided into four levels: Bronze, Silver, Gold, and Platinum. Let’s take a look at these levels in
more detail.
(Note that the following is an overview to be used as a guide. The actual percentage of coverage will vary depending on your individual and/or family’s unique situation. As a rule of thumb, the higher the percentage covered by the healthcare insurance plan the higher the monthly premiums.)
Covered California insurance plan tiers for your family:
Bronze level
Health care insurance plan covers 60% of health-care costs leaving the consumer to pay the remaining 40%
Coverage:
You Pay:
Silver level
Health care insurance plan covers 70% of health-care costs leaving the consumer to pay the remaining 30%
Coverage:
You Pay:
Gold level
Health care insurance plan covers 80% of health-care costs leaving the consumer to pay the remaining 20%
Coverage:
You Pay:
Platinum level
Health care insurance plan covers 90% of health-care costs leaving the consumer to pay the remaining 10%
Coverage:
You Pay:
Minimum coverage plan – This plan is available for those who are under the age of 30 that cannot afford any of the aforementioned health insurance plans. The minimum coverage plan covers three medical visits with no out-of-pocket costs and offers free preventative benefits. Note: Those insured through this plan will need to cover a certain amount before medical services are completely covered by the health plan.
Essential Health Benefits for Families
Due to Covered California being part of the Affordable Care Act, listed below are some essential benefits that health insurance companies must offer to their customers.
- Ambulatory services
- Emergency/urgent care
- Hospital care services
- Maternity and newborn care
- Mental health and substance abuse services
- Prescription medication
- Rehabilitation services
- Laboratory services
- Preventative and wellness care
- Pediatric services
Dental Care Coverage for Families
While dental care coverage is not required in the health plan, all Covered California health insurance plans provide pediatric dental care. Adults are given the option to add supplemental dental care services to their individual plans.
Vision Care Coverage for Families
While vision care coverage is not required in the health plan, Covered California provides vision care for children. Covered California does not currently offer any coverage for adults. However, Covered California will work with certain companies to offer adults vision care.
“We’ll get you the best health insurance at the best price for your family!”
Getting you the best health coverage is our mission