Whether you purchase your health insurance through Covered California or off-exchange direct from the carrier, you can use the Covered California Shop and Compare tool to search for doctors and hospitals. The Covered California provider search tool will display the network status of the doctors and hospital you select for all the different plans offered.
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Molina Healthcare Dumped Me as an Appointed Agent
There was no specific cause for the Molina action against me. The letter stated, “Molina has the right to terminate an appointment or revoke a Participating Producer’s authority to Solicit the Molina Marketplace products at any time.” Gosh, what had I ever done to Molina other than represent their products fairly when presenting their Covered California health plans to consumers?
Why is it so Difficult to Get Out of Medi-Cal?
Some people only learn they have been flipped into Medi-Cal when they are at their doctor’s office and the receptionist tells them their health insurance has been cancelled. What follows for many people is a nightmare scenario of trying to learn why their Covered California plan was terminated, who terminated it, why they are in Medi-Cal, and how to get of the Medi-Cal system.
Your Medi-Cal Is Terminated! Now What?
If there is no existing enrollment of any family member into a Covered California health plan, the default plan selection in most cases will be the lowest cost Silver plan. For many people with low incomes, there may be no monthly premium for the lowest cost Silver plan. If you don’t like the plan selection, you can change it.
On-Exchange versus Off-Exchange Health Insurance
There are non-standard benefit design health plans offered by carriers off-exchange. You cannot enroll in a non-standard benefit design plan through Covered California. The off-exchange non-standard benefit design plans are usually in the Bronze and Silver metal tier categories. There are more High Deductible Health Plans (HDHP) that are health savings account compatible offered off-exchange.
Tax Credit or Repayment? Health Insurance Subsidies for 2022
Lines 24 through 26 of Part II of form 8962 determine if the household is eligible for an additional Premium Tax Credit. In this situation, the final household MAGI was slightly lower than estimated income amount of the Covered California application. The result is that the household is eligible for an additional $23 in Premium Tax Credit. They were eligible for an annual subsidy of $16,832, but only received $16,809.
Why Are There Two Delta Dental HMO Plans With Different Rates?
The Covered California plan covers no adult orthodontia unless medically necessary. The direct Delta Dental HMO plan does include adult orthodontia or braces. Neither plan covers dental implants. If you need a whiter smile, the direct Delta Dental HMO plan includes custom trays for the home bleaching process at a $125 fee.
The Importance of Properly Terminating MAGI Medi-Cal
Your children could be flipped into Medi-Cal if you return to Covered California without having properly terminated Medi-Cal earlier. On numerous occasions, children were flipped from Covered California to Medi-Cal, even if the stated estimated income was high enough to make everyone eligible for the subsidies.
Blue Cross Removes UC Hospitals From EPO Health Plans
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.
Blue Cross EPO Expands with Sutter for 2022
The Sutter providers will mostly benefit counties where Blue Cross is expanding their coverage in the North Bay, East Bay, and Central Valley. A few counties in the Central Valley and most of Southern California will only be offered the Blue Cross HMO plans that do not include the Blue Card Program. Of course, Blue Cross offers additional EPO plans off-exchange, direct from Anthem, with a few extra plan designs that are not offered through Covered California.