Even those who are healthy today benefit from having health insurance. It's impossible to predict whether someone will get sick or have an accident, and with the average cost of a three-day hospital stay priced at $30,000, it doesn't make sense to take the gamble of going without health insurance — particularly if it can be found at an affordable price.
Covered California makes it simple and more affordable for millions of Californians to get quality health insurance, including Medi-Cal, that can't be canceled or denied because of a pre-existing medical condition or if someone gets sick. Covered California offers a range of plans so a consumer can choose the one that best meets their health needs and financial situation, and can be attained easily online, in person or by phone.
If a consumer has health insurance through their job already, coverage will only get better as a result of the Patient Protection and Affordable Care Act, the federal health care law that created health insurance exchanges such as Covered California. And, should someone decide to leave his/her job tomorrow, the Affordable Care Act provides a sense of security and protection when it comes to health coverage.
All newly purchased insurance plans— even those sold outside of Covered California — must cover essential health benefits such as doctor visits, hospitalization, emergency care, maternity care, pediatric care for children, and prescriptions. This legislation also provides sliding-scale financial help, so almost all Americans can get quality health coverage at a fair price.
Purchasing health insurance through Covered California has many advantages. Covered California is the only place where an individual can learn about and use federal financial assistance that can help reduce health care costs. Consumers can also learn if they are eligible for low-cost or no-cost Medi-Cal.
Covered California can help consumers find out if they are eligible for sliding-scale financial assistance that could help reduce health care costs. If income is very limited, consumers may be eligible for free coverage through Medi-Cal.