What are the differences between Covered California, health insurance companies, and Medi-Cal?

Oh, I must warn you this treatment's alittle rugged. Of course, if you think you can't stand it. I can stand anything! What's that humming? Honey bees! Honey bees?! Health care has come a long way but choosingthe right health insurance can still be confusing. Let's break down the key differences betweenCovered California, the health insurance companies they work with, and Medi-Cal. So, what is Covered California? Established by the Affordable Care Act, CoveredCalifornia is a marketplace where eligible Californian's can enroll in a health planthrough brand-name health insurance companies. It's the only place you can apply to qualifyfor financial help.

This financial help lowers the monthly premium, and for those who qualify, can also help lowerout of pocket costs. Covered California offers multiple insurancecompanies, plans and coverage levels to choose from and has online tools available to helpyou compare plans and costs and find the best fit for you. Okay, so how are health insurance companiesdifferent than Covered California? Health insurance companies, also known ascarriers, are private companies that partner with Covered California to offer access tocare through a variety of doctors, hospitals, and plans across the state.

All health plans offered by health insurancecompanies and available through Covered California, provide 10 Essential Health Benefits, whichare guaranteed by the Affordable Care Act. These include free preventive care such ashealth screenings, and flu shots. Now, how is Medi-Cal different from CoveredCalifornia? Medi-Cal is California's free or low-costhealth coverage option for qualifying adults and children. Medi-Cal covers low-income adults, familieswith children, seniors, persons with disabilities, pregnant women, children in foster care, andformer foster youth up to age 26. Enrollment for Medi-Cal is available year-round.

It's important to note that Medi-Cal is aseparate organization from Covered California. If you have any questions or need assistanceabout Medi-Cal, please contact your local Medi-Cal county office. Hopefully, I've made the differences betweenCovered California, health insurance companies, and Medi-Cal a bit clearer, but if you stillhave questions, no problem. You can find even more helpful informationat CoveredCA.com.

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