Individual Health Insurance: How will Covered California make it easier for me to compare different health plans?

Covered California is a health insurance marketplace, which will make it easier individuals to compare an array of qualified health plans from private insurance companies. The marketplace will allow you to shop for individual health insurance through Covered California exchanges online, over the phone or in person to select the perfect insurance option for your budget and health needs.

How will Covered California allow me to compare individual health insurance plans?

There will be four levels of coverage offered:

  • Bronze
  • Silver
  • Gold
  • Platinum

With the increase in ranking, the medical expenses covered in each category go up, with platinum being the highest ranked, making it compare plans in the same category or across categories.

For expenses happening at the time of receiving health care services – doctor visits or emergency room trips, for example, the health plans covering more medical expenses tend to have lower costs when receiving care but a higher monthly payment.

You can choose to pay a lower monthly cost and pay more when you need medical care, or a higher monthly cost so that when medical care is needed, you pay less. You are able to choose the level of coverage that best suits your personal budget and needs.

Finding the perfect individual health care insurance plan can be confusing. For more information about how individual insurance through Covered California can benefit you and your family, contact the Redlands insurance experts at Bernardini & Donovan Insurance Services.

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