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 safer and fits your budget.
Not having health insurance can put your loved ones at risk. Health events can happen anytime, and the associated healthcare costs can be devastating. Selecting the right insurance plan for your family helps safeguard your loved ones and ensure they can get the care they need when needed.
You might be surprised 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. Our goal is to help families find the healthcare plan that fits their needs and budget.
Insure your family through Covered California
Covered California assists with connecting families with name brand health insurance plans via the Affordable Care Act. This program allows families and individuals with low resources to receive financial aid towards insurance premiums. Varying 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 Lodel’s Insurance Covered California Certified Agents are waiting to assist you in making the right choice for you and your family.As you learn more about plans, you’ll see they are generally divided into four types: 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 / 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 – An option left as a last resort, if the consumer cannot afford any of the other health plans and is under the age of 30. This plan covers 3 medical visits with no out-of-pocket costs and free preventative benefits. The services will cost full price until the consumer spends over a certain amount in which the remaining balance is 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 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
This is not required in the health plan, however all Covered California health insurance plans provide pediatric dental care. Adults are given the option of choosing supplemental dental care services in their individual plans.
Vision Care Coverage for Families
This is not required in the health plan. Covered California provides vision care for children, but currently does not 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