calhealth.net, one of the first online
California insurance quoting and enrollment sites since
1999. You can find everything you need here to make an
informed decision when shopping for health coverage.
Are you confused about
health plan options available to you?
Who isn't these days. Health insurance was
tricky before and now with Covered California, it just
added a whole level of tax form with a dash of
government rules and process.
But there is a Silver Lining to this new
The Federal Government might help you pay for
your health insurance! Some of our clients are
receiving $18-20K annually towards their families health
insurance. That's right. $20,000 towards the premium.
One client's premium for he and his spouse is
$3/monthly. On a Platinum PPO plan.
Now that's not the case for everyone but it does mean
something to anyone:
You MUST re-evaluate
your health insurance against the options available on
The market has completely been turned upside down
since Jan 1st 2014. All the old plans/rates go out the
door for most people and it's incredibly important to
have the guidance of a professional to run the numbers
for you. Ummm...that's us by the way.
So how do you begin researching health plan
It depends on who "you" are. The
California health insurance market is really broken into
three separate markets with different plans, rates,
networks and ways of doing things.
Let's first figure out which one is appropriate for you
and then we'll give you our Top Shopping Tips for free.
Well...actually our services are completely FREE
to you whether you purchase a Covered California plan or
off-exchange plan. There is NO difference in cost. So
now that we have that out of the way...who are you??
Seniors with Medicare
California (Individual or Business)
An Individual or
Family who purchases your own health insurance.
You may be offered health insurance by an employer
but want to compare your options on the individual
market. Cobra definitely falls in this category
since Cobra can be so expensive.
Do not shop Individual
Family Coverage before reading this:
TAX CREDIT IS KING!
There are two worlds out there now. If you receive a
tax credit based on income, you'll be okay if not
actually happy about your health insurance cost and
Otherwise health insurance is very expensive.
It's that simple. You'll either come out of the process
okay (maybe even happy) or frustrated (and quite a bit
For this reason, call us at 800-320-6269.
Most of the people who submitted their own apps to
Covered Ca and then called us for help (which we can do
after the fact) had vastly incorrect information in the
system which meant their tax credit amount would be
WRONG. You don't want that for a few reasons.
In 5 minutes, we can quickly establish:
- what income amount to use
- how many members to spread this among
- what your subsidy will be and most importantly;
- what your monthly premium will be across the
main carriers (we're contracted with all of them and
a certified Covered Ca agent).
We'll walk you through the whole process and save
you hours of time and potentially a great deal of money.
Again, no cost to you since we are certified Covered
You have complete access to countless articles on the
Individual Family Market here:
Individual and Family Center page;
Quote Covered Ca (Exchange) and
Employer who offers (or wished to add) group health
Start-ups fall in this category as well. The
IRS is actually cracking down on employer's paying for
individual employee health plans so be careful.
We'll discuss this more fully in the group section.
Do not shop California Group
Employer Benefits before reading this:
FIXED BUDGET CAFETERIA
OPTIONS ARE THE ONLY WAY TO GO
What does this mean? Basically, the major
carriers allow you to cap your monthly premium to a
budget and then the employees can pick from multiple
options (even across PPO and HMO) and pay the
(what a concept with employee health benefits!)
- You have a hard-line budget to pay for health
- your employees can pick a plan according to
their needs and budget.
It's the only way to go.
We can also look to see if you might be eligible for
Employer Tax Credits to help pay the monthly premium
through Covered Ca.
Group Health Benefits Center page
Quote Group health
benefits for California Companies
Californians with Medicare
Medicare is great but there are some important gaps
to fill in. That's where Medicare supplements or "medigap"
plans come into effect. You can quote and compare
these with the new Advantage plans as well. All from
Do not shop California
Supplements for Medicare before reading this:
85% OF ENROLLING SENIORS OPT
FOR THE F PLAN SUPPLEMENT
It's really the best option unless your budget
dictates moving to an Advantage plan. You'll also need
a Part D for medication.
The key concern going forward is "Excess" or what a
doctor can charge above Medicare's allotted rate. This
will become a bigger and bigger issue. The F plan
covers that while most other supplements do not.
Depending on what your Part B Medicare premium costs, a
65 year old can expect about $300/monthly (Part B
Premium, F plan, Part D) for a total package.
You can find plenty more detail and insight here:
California Medicare Supplement
Center page; or
Run your Medicare
supplement and Advantage plan Quote
Interested in Covered
California options and quotes
Covered Ca isn't a separate market like Individual,
Group, or Senior but it's a MARKETPLACE.
It's a way to purchase individual and Group plans
with possible tax credits that can pay a share of your
insurance premium. It really is the big change in the
market and most of our applications (especially
for individual/family) go through Covered Ca.
Do not Shop Covered Ca
before reading this:
10 MINUTES WITH AN
EXPERIENCED CERTIFIED AGENT CAN SAVE YOU TIME, MONEY,
We're not exaggerating. Take it from someone
who scrambled to get people enrolled till midnight every
night prior to the deadlines. And yes, we got 100% of
our applications processed. 100's of accounts. You can
read the reviews above and hear the desperation.
Since when did health insurance agents get praise like
that? Since Health Reform!
We're here to help you during the process and during
the year. We had accounts with issues right up till
September which we got fixed.
There are three main ways to proceed:
- Run your own instant quote. We make
this available to everyone for free. Instantly.
You can quote three main markets and even Covered Ca
plans. These are best rates available. There is no
fee for our service.
- Email us for a quote. We just need dates
of birth, zip code, and best estimate for current
year (2015 if you're looking at next open
enrollment) income. We can help you narrow what
means since the definition is ridiculously specific
- Call us! This really is the best way
and we're not saying that to try and lure you into
some sales push. That's not our style and if you
so much as detect a hint of it, please say good bye
and hang up! Seriously. Since there's
no cost to you for our
services (even in Covered Ca), we're here
to address your questions, quote/explain the
options, and enroll if you need help. If not, we
can at least answer your question!
Given a choice, #3 is the fastest but feel free to
research on your own with #1 or #2.
We really do prefer #3 for the actually Covered Ca
enrollment since there are so many pitfalls and hiccups
for a person enrolling themselves.
It's so much easier with the Covered Ca system to enroll
correctly up front than to try to clean up an account
after the fact.
It can be done, but it's tricky!
Again, most of the self-applying individuals we came
across had wrong information in Covered Ca resulting in:
- crashing their account
- preventing them from getting a tax credit
- and worse!
Enrollment over the phone generally takes about 10
minutes. That's it!
Quote, Email, or Call. Either way, you have found a
valuable resource with 30 years combined:
- California (very important since each
state is different)
- Health (equally important since health is
quite different than other insurances)
- Insurance (licensed, Covered Ca
certified, with Continuing Education and Ethics
Experience. How can we help you?
You'll be pleasantly surprised.
In fact, we'll bet that not only can we help you
navigate the incredibly complicated health insurance
market but you'll refer us to your friends!
Seriously. We're that good!
Covered Ca Enrollment Center page
California Plans (select "Exchange")
or email at