How to Quote and Pick Best Covered Ca Plan
insurance is never fun. It's more complicated than ever. There
is a silver lining though.Depending on income and size
of household, you may qualify for
$1000's in tax credits.
You get the tax credit right away.
That still leaves the
question of how to pick the right plan for you.
Again...complicated.Enter the PlanFinder!
We have had
10's of 1000's of conversations with people as they pick the
best plan for their situation and budget.
Hours upon hours
with every possible situation you can imagine.Here's the
We find ourselves asking the same questions through
90% of the conversations. They're the right questions but very
We then took that information with the new
Covered Ca tax credit built in and created the PlanFinder!
The PlanFinder walks you through these key questions to give you
guidance on how a pro looks at the question of picking the best
plan. You can access the PlanFinder above but feel free to
contact us with any questions at 800-320-6269 or by email.
Here's the quick "How To"
How To Pick The Best
Covered California Plan
Here's how to choose the best
Covered Ca plan for your situation:
1. Start the PlanFinder
tool above for detailed help on comparing the plans
your Covered Ca quote in a new window here
3. Determine if
you're eligible for a tax credit (Section 1)
4. Find the best
plan level (bronze,silver, gold, or platinum) for your needs and
budget (Section 2)
5. Make sure your doctors are included and
that you like the type of network (Section 3)
Let's look at
each section in more detail.Start The PlanFinder Tool
It's all there!
All three sections are there and here's the
approach.For certain people, they have very distinct and
definite requirements for a health plan.
For example, they
may just want the lowest priced plan available (catastrophic
health coverage). They don't care about the other aspects...just
monthly cost. Okay then, in the PlanFinder, we direct these
different groups to plans that are appropriate.
everyone else, they continue through the tool as it narrows the
options to ones that best fit their needs.
It takes about 15
minutes at most unless you really want to get into a sub page on
It's a great way for people to research on their own
first. You can always reach out to us for specific questions on
Run The Covered Ca Quote With Tax Credit
You'll be prompted to run a quote as part of the PlanFinder tool
but you can do that at the top of the page.
quote is important since we're comparing plans and their COSTS!
It's a critical piece of the puzzle.
Maybe the most
Section 1 - Tax Credit Eligibility And
Picking A Plan
It's THE deciding factor right now.
rule is to figure out if we're eligible for a tax credit towards
our choice of coverage.
The tax credit is based on income
estimate for the year and size of household. You can find more
information on the tax credit here. The income piece can
get tricky. That's where we can help!
Section 2 -
Comparing The Plan Levels
It's standardized now.We
have the following plan levels:
1. Bronze (one regular and
2. Silver (may have richer versions based on income)
Section 2 deals with comparing these 4
We'll also break out the HSA plan to understand how
This section is usually the most difficult for
people.In fact, it dictates the majority of our
The PlanFinder will go a long way towards
helping you understand but definitelycall us at
800-320-6269 or email us with any questions.
Section 3 -
Choosing A Plan With YOUR Doctors
Once we figured out the
tax credit and plan level piece, we need to make sure we like
the doctors.This is a big deal now since 2014.
networks are smaller and we have to make sure our doctors are in
We also need to like the network type.
are EPO, PPO, and HMO networks.They work very differently and the
PlanFinder walks through how to compare these options against
the premium difference.
It's the final step!
networks are available through the Covered Ca On-Exchange Quote
but we also explain how to ask your doctors if they
PlanFinder Wrap Up
Finally, you'll have
access to the tools you need:
1. Tax credit income calculation
2. Benefit Summary (available through quote)
3. Covered Ca
quote with tax credit
4. Doctor networks (available through
5. Online application of fast enrollment
these tools make the PlanFinder invaluable.
Of course the
biggest resource can be a friendly voice who can discuss your
Our assistance as Certified Covered Ca agents
are 100% free to you.
Call 800-320-6269 or email us.