Covered California health insurance plans — and all health plans in the individual and small-group markets — are sold in four levels of coverage: Bronze, Silver, Gold and Platinum. As the metal category increases in value, so does the percentage of medical expenses that a health insurance plan covers compared with what you are expected to pay in co-pays and deductibles. Plans in higher metal categories have higher monthly premiums, but when you need medical care, you pay less. Alternatively, you can choose to pay a lower monthly premium, and when you need medical care, you pay more. You can choose the level of coverage that best meets your health needs and budget.
Minimum coverage plan: If you’re under 30, you may be able to buy an additional health insurance plan option called minimum coverage plan. These plans usually have lower premiums and mostly protect you from worst-case scenarios. Minimum coverage plans through Covered California cover three doctor visits or urgent care visits, including outpatient mental health/substance use visits, with no out-of-pocket costs, and free preventive benefits. All other services will be full price but at the negotiated in-network price, until you spend $6,350, after which all in-network services are covered at 100 percent.
- Bronze: On average, your health plan pays 60 percent and you pay 40 percent.
- Silver: On average, your health plan pays 70 percent and you pay 30 percent.
- Gold: On average, your health plan pays 80 percent and you pay 20 percent.
- Platinum: On average, your health plan pays 90 percent and you pay 10 percent.
Below is the list of the providers that are available in the local coverage area. Give us a call today or use our contact form and we will be happy to assist you with any questions you may have.
- Anthem Blue Cross
- Blue Shield
- Health Net
- L.A Care *Los Angeles County Only