Individual & Family
Group health
Medicare Supplement

Best rates GUARANTEED

Free Assistance 800-320-6269

California health insurance  -  Articles for California health market  -  California maternity law  

July 2012 will bring maternity coverage to most individual California health plans

You can quote all the new plans with Maternity here

We just had a major taste of what is coming with the full Health Reform bill. On July 1st, 2012, A California law that mandates maternity coverage on all plans went into effect. This is a big change as we have lost most of our maternity plans since the Health Reform bill was passed. We'll look at the pro's and con's of this legislation and how it impacts the individual California health insurance market.

Things To Come Nationally

The law is actually another example of California front-running national health reform changes.

There's a little know law called Knox Keene which was passed in 1975. It required that all individual health plans on the California market cover maternity. There are a few plans that are not affected by it such as temporary health, hospital plans, Medicare, and a few other specific types but the bulk of plans available will now cover maternity. We view this with mixed blessings. We used to have a few dozen plans that covered maternity just a two years ago.

When health reform was passed, most of them were closed and the remaining plans became very expensive.

By expensive, we mean almost double what non-maternity plans were costing. This posed quite a problem for a female in her 20's or 30's (and 40's) in terms of choosing a plan. You really needed a crystal ball that foretold the future or you were stuck with a much more expensive plan.

The new bill is interesting in that it applies to all plans even the so-called "Grandfathered" plans from before 3/23/2010. Most of the other mandated benefits such as preventative only applied to new plans going forward but the origin of this maternity bill is not really a Health Reform specific mandate so much as a California law being re-interpreted. So what can we expect from the implementation of this bill?

New Maternity Rule Applies to Almost All Plans

All plans now available on the standard Individual health insurance market cover maternity as a core benefit (similar to other main benefits). It's that simple. There may be some preventative benefits associated with maternity (well baby, neo natal, etc) that now fall under the preventative benefit at 100% coverage. Of course, there will be a cost impact to this mandate. It will fall more heavily on those in the child-baring age...let's say age 19-39. This age band will see the biggest impact since maternity is a very expensive medical expense (ranging from low of $10K up to $100's of thousands).

We'll likely see these rate increases over the next two years although everything will reshuffle Jan 1st, 2014 so it might be tough to tell what's actually driving the rate increases with guaranteed issue coming onto the market.

The maternity plans were roughly double those with similar benefits but without maternity so we're guessing that we'll see a doubling of premium for all plans especially since so many of the popular plans were priced based on a pre-maternity era. Many of those plans have already been closed. Our concern of course is whether people will be able to afford California health insurance as it is. Most of the health reform bill was around getting people coverage as opposed to affordability regardless of what is said politically. We'll have to watch how this unfolds but for now, all (or most) California individual health insurance plans cover maternity. Group health plans already covered maternity so that's not an issue.
 

You can run your Covered California Plan Quote here to view rates and plans side by side from the major carriers...Free.

Again, there is absolutely no cost to you for our services.  Call 800-320-6269 Today!

YOU MAY STILL BE
ABLE TO ENROLL

In just 15 minutes:

  • - Get the most tax credit available
  • - Find the best plan for your needs
  • - Enroll right over the phone!




Call 800-320-6269

Our Services are FREE to You!

Need Help
With Existing Account

We can help you:

  • -Get required docs to covered Ca.
  • -Make changes to income and other info
  • -Choose and finalize plan enrollment
  • -Make sure you get right tax credit
  • -Payment/membership issues with carriers

Call to Enroll over the Phone in 15 Minutes

If Your Income
Is In This Range

Current Years Estimate; All those that file together on one 1040:


Single Person: $16k - $47k
2 People $22k - $64k
3 People $27k - $80k
4 People $33k - $97k

Call 800-320-6269
Anthem Blue Cross California
Blue Shield of California under Covered California
Kaiser of California
Health Net of California
Aetna
and more
Thousands of Californians
Hundreds of California Companies
SUCCESSFULLY
ENROLLED
Thousands of Californians
Hundreds of California Companies

from SC

"My sincere thanks for making a miracle happen- 2014 health insurance !! Many thanks for your expertise and advice yesterday !!"

from SD

"Thanks again for your help - I had absolutely no idea how to get this done when I got up this morning. You've made it remarkably easier than I expected. I hope you're not stuck at the office all night..."

from KV

"Anyway, I hope you got some time off this past week! Thank you again for your help and efforts on my behalf! I was very lucky to find you."

from EK

"I thank you very much for the time that you have invested in handling everything

from SR

"I truly appreciate the quick response and will think of you in the future if I need to make any changes to my insurance plans."

from VH

"You are awesome... takes a huge worry off my back, thank you for your kind. thanks for your time and kindness. !!"

from SA

"Wow, I can't thank you guys enough for your help...I couldn't imagine trying to tackle this on my own!"

from LM

"You are my new best friend. A HUGE thank you again.

SUCCESSFULLY
ENROLLED
Find out what customers are saying about our services
About Calhealth.net

20 years of experience in the California health insurance market has taught us one thing...Competent and experienced guidance is Invaluable

We can quickly (very important) size up your health insurance needs and clearly explain the options available to you. Our focus is finding the most coverage at the best cost to you.

We are licensed Covered Ca agents with in-depth knowledge of their plans, process, and tax credits.

Call us...you will be Pleasantly Surprised.  800-320-6269

Request a 10 Minute Health Plan Check-up

We'll quickly see if you have the best priced plan available and if you qualify for a tax credit

800-320-6269
calhealth website

Our Services are FREE to You

Calhealth.net is a Goodacre Insurance Services Website

This website is owned and operated by Goodacre Insurance Services, which is solely responsible for its content. This site is not maintained by or associated with Covered California, and Covered California bears no responsibility for its content. The email address and phone numbers that appear throughout the site belong to Goodacre Insurance Services, and cannot be used to contact Covered California.