Covered California

Posts on the development and implementation of the California health insurance market place, application, account, enrollment, termination.

Covered California Bait and Switch Health Insurance Websites

June 3, 2022 By Kevin Knauss 3 Comments

Most of the links will take you to insurance agencies that can enroll you in a Covered California health plan. Unfortunately, some of the agents push indemnity and health care sharing ministry plans, not Covered California. Why do they do this? The commissions are higher for these plans. Once the consumer is enrolled in some of these plans, and subsequently want to terminate the coverage because they realize they did not enroll in real a real health plan, there is no support from the agency or the carrier.

Does Medi-Cal Have A Right To Tamper With Your Covered California Account?

May 16, 2022 By Kevin Knauss 2 Comments

Santa Barbara County sent a letter saying the couple did not qualify for Medi-Cal. They then received a letter from Covered California stating that they no longer qualified for any subsidy. When I accessed the couple’s Covered California account, all of their income information had been erased. When I looked at the transaction history on the Covered California account, Santa Barbara County Medi-Cal office had accessed the account and submitted changes.

How To Select A Health Insurance Plan

April 27, 2022 By Kevin Knauss 0 Comments

Health insurance, at a basic level, is asset protection similar to car, life, and home insurance. Most health plans have an annual maximum out-of-pocket amount that limits your liability to outrageous health care bills in the event of an accident or sudden illness. Once the maximum out-of-pocket amount is met, the health plan covers all in-network health care expenses for the rest of the year.

Retirement Income and Covered California

April 4, 2022 By Kevin Knauss 2 Comments

The income section of the Covered California application is very date sensitive. If your application does not show any income in the month you are applying, you will be determined eligible for Medi-Cal. This is because Covered California screens for Medi-Cal eligibility based on your monthly income, regardless of how much income you earned prior to applying for Covered California.

Do You Need To Report Your Inheritance To Medi-Cal and Covered California?

March 10, 2022 By Kevin Knauss 41 Comments

When you receive an inheritance of money, that cash is an asset, no different than a savings account. The inheritance is not counted as monthly income. It is generally considered a one-time lump sum distribution. Consequently, an inheritance of money should not impact your MAGI Medi-Cal eligibility.

Covered California Updated 2022 Income Table and New Enrollment Events

March 3, 2022 By Kevin Knauss 0 Comments

The minimum annual income in order to become eligible for the Covered California health insurance subsidies for a single adult is $18,756 for 2022. That is $980 higher than the minimum annual income for 2021, approximately a 6 percent increase. The minimum amount for 2 adults is $25,269 annual income. Estimated income amounts below 138 percent of the federal poverty level on the Covered California application will make the household eligible for Medi-Cal.

How To Adjust Your Covered California Subsidy

February 21, 2022 By Kevin Knauss 2 Comments

You are first offered the chance to adjust the APTC subsidy from 100 percent to a lower percentage when you first enroll in a Covered California health plan. After the enrollment has been completed you must fish around in your account to find the APTC slider. The APTC slider allows you to reduce or dial back how much of the monthly APTC subsidy you are receiving from 100 percent down to 0.

Blue Cross Removes UC Hospitals From EPO Health Plans

February 17, 2022 By Kevin Knauss 2 Comments

Neither Covered California nor the sample Blue Cross letter being sent to members explains why the UC hospitals are no longer in-network. Someone, Blue Cross or UC, pulled the plug retroactively to January 1. Fortunately, Blue Cross expanded their EPO network to include Sutter doctors and hospitals for 2022.

Big Increase for the 2022 Medi-Cal Income Amounts

February 16, 2022 By Kevin Knauss 111 Comments

For a single adult, the monthly Medi-Cal income was $1,482. In 2022, the monthly income will increase to $1,564. In other words, an adult can earn up to $1,564 per month and still qualify for no cost Medi-Cal. MAGI Medi-Cal annual amounts for a single adult increased to $18,755, from $17,775 in 2021, for a single adult.

2021 California Health Insurance Premium Assistance Repayment

January 25, 2022 By Kevin Knauss 5 Comments

Fortunately, for most California taxpayers, the amount of the California premium assistance subsidy (CPAS) they received was relatively small. For some Covered California households who received large monthly amounts of the CPAS, the repayment could significantly add to their California income tax liability for 2021.

« Previous Page

Menu

Covered California