Health Insurance Plans
Medi-Cal is a State run program and it is California’s version of Medicaid. This is a public health insurance program which provides needed health care services for low-income individuals including families with children, adults, seniors, persons with disabilities, foster care, pregnant women, and low income people with specific diseases such as tuberculosis, breast cancer or HIV/AIDS. An individual has access to full services for medical, dental, vision and mental health.
Covered California is the health insurance marketplace in the U.S. state of California. Because of the Patient Protection and Affordable Care Act (ACA), the exchange enables individuals and small businesses to purchase health insurance at federally subsidized rates. Individuals that are eligible are required to have health insurance as part of this federal law. Also recognized as “Obamacare”. This marketplace enables individuals to shop for health insurance and pick a plan that best suits their needs.
Private Insurance is purchased directly from the Health Insurance Company. There are no subsidies provided so any person can apply for this type of coverage.
Medicare is the federal health insurance program for people who are 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD).
Private medical, dental and vision plans individuals can enroll without any eligibility requirements during certain time periods throughout the year. These plans can offer additional benefits and premiums are based on gender, age and zip code only.
Other county based insurance programs vary county by county.