There are several items that must be covered under the new insurance laws, and all of our policies meet these requirements. The minimum coverage must be able to help you afford basic medical services and provide assistance with specific items, such as the following:
- Maternity care and infant care
- Pediatric services for children, including dental and vision
- Hospitalization insurance
- Lab work, such as blood work or urine testing
- Ambulatory services that include wheelchair and walker assistance
- Emergency room visits for unexpected health emergencies
- Prescriptions, both maintenance medications and one time use drugs
- Wellness services, to include preventative care and help with chronic diseases
- Assistance with mental health issues or problems with substance abuse
- Rehabilitative services that would include assistance with using devices and services for people who have debilitating disorders
How Do I Pay for the California Health Insurance Coverage?
There are a few different programs available to help you defray the overall cost of the new insurance programs. The first are tax credits that are applied to your monthly premium. These are credits that are allowed for people who have an income under a certain level. These credits are applied every month, instead of once a year, which prevents you from paying out of pocket, and then waiting 12 months for a refund.
There is also Medi-Cal assistance, which is aimed at people who are under 65 and who make under a specific amount. The amount is currently set at $31,180 for a family of four, or $15,000 for an individual. It also covers people who are on disability and who require additional medical coverage.