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Obtaining life insurance is among the most important purchases you’ll ever make to protect your family. A Life insurance policy provides your beneficiary with a lump-sum cash payment when the insured party passes away.  It may also pay out after a specific period of time has passed. Life insurance provides financial security by replacing lost income and covering  final expenses. Now comparing life insurance plans and obtaining affordable insurance quotes and information has never been easier. Apply now or contact us toll free direct at 866-936-3831 to speak with a licensed agent.
COMPARE QUOTES AND GET LIFE INSURANCE COVERAGE TODAY.

[/vc_column_text][/vc_column][/vc_row][vc_row][vc_column][vc_custom_heading text=”Covered California Open Enrollment” font_container=”tag:h2|font_size:32|text_align:left|color:%23091f5e|line_height:47px” use_theme_fonts=”yes”][vc_column_text]The short answer is “not anymore”. You’re free to choose whether or not to purchase health insurance. Recall that under the original Obamacare or Affordable Care Act, the law required most persons to have “minimum essential coverage” through either an employer, a government health insurance program or a individual/family health plan that you purchased. Those that did not have a qualifying health insurance program that met the minimum essential coverage requirements were subject to a tax penalty.  In order to provide affordable insurance, the Affordable Care Act provided subsidies based on your family income to help lower the cost of premiums, deductibles and out-of-pocket costs for individuals with qualifying income. For some this made for more affordable insurance and Covered California enrollment skyrocketed. However the individual mandate has been eliminated as part of the sweeping changes to the federal tax code beginning in the 2019 coverage year. No longer will individuals be penalized for not having health insurance. For more information about the individual mandate or questions about health insurance requirements please contact us. Although we are not the official website for the Covered California login member portal or find the Covered California phone number, we are however, Certified Agents of Covered California and our assistance is free of charge.  We’re here to help you find cheap health insurance. You may contact us Monday – Friday 8AM to 6PM at our Covered California Enrollment Helpline at 866-936-3831.[/vc_column_text][/vc_column][/vc_row][vc_row][vc_column][vc_custom_heading text=”WILL COVERED CALIFORNIA STILL HELP PAY MY HEALTH INSURANCE PREMIUMS?” font_container=”tag:h2|font_size:32|text_align:left|color:%23091f5e|line_height:47px” use_theme_fonts=”yes”][vc_column_text]Yes and you can still find affordable insurance to meet your healthcare needs and budget during the Covered California Open Enrollment. You can shop online, in person or by phone and compare the different health insurance plans. Our shop online tool allows you find out if you qualify for any financial assistance paying for your insurance premiums, such as federal tax credits to reduce the monthly amount you pay for your health plan.

Covered California insurance rates are based the enrollee’s age, where they live (your Zip code), the size of their household, their projected total household income, and the selected health plan and benefit level (FPL) to determine your eligibility for financial assistance and government programs such as Medi-CAL as a safety net. These levels are set by the federal government and are subject to change each year. In order to receive a Covered California quote online that includes federal assistance you must supply your annual household income and household size. After you view your quotes online you may apply for Covered California and start the process by completing some basic contact information you’re on your way to getting affordable insurance. One of our Certified Covered California insurance agents will receive your contact information and will contact you by phone. Although this is not the official site for the Covered California login or Covered California phone number, you may contact our Covered California enrollment helpline number at 866-936-3831. Whether you call us or we call you our goal is to provide you with cheap health insurance. The whole process is free, simple and completed by phone.[/vc_column_text][/vc_column][/vc_row][vc_row][vc_column][vc_custom_heading text=”WILL COVERED CALIFORNIA STILL HELP PAY MY HEALTH INSURANCE PREMIUMS?” font_container=”tag:h2|font_size:32|text_align:left|color:%23091f5e|line_height:47px” use_theme_fonts=”yes”][vc_column_text]Yes and you can still find affordable insurance to meet your healthcare needs and budget during the Covered CA Open Enrollment. You can shop online, in person or by phone and compare the different health insurance plans. Our shop online tool allows you find out if you qualify for any financial assistance paying for your insurance premiums, such as federal tax credits to reduce the monthly amount you pay for your health plan.

Covered California insurance rates are based the enrollee’s age, where they live (your Zip code), the size of their household, their projected total household income, and the selected health plan and benefit level (FPL) to determine your eligibility for financial assistance and government programs such as Medi-CAL as a safety net. These levels are set by the federal government and are subject to change each year. In order to receive a Covered California quote online that includes federal assistance you must supply your annual household income and household size. After you view your quotes online you may apply for Covered California and start the process by completing some basic contact information. One of our Certified Covered California insurance agents will receive your contact information and will contact you by phone. Or you may choose to reach out to us at our Covered California Enrollment Helpline by calling 866-936-3831. Whether you call us or we call you, the whole process is free, simple and completed by phone.

Although we are not the official website where you can access the Covered California login member portal or find the Covered California phone number, as Certified Agents of Covered California we provide free assistance to all.  You may contact us Monday – Friday 8AM to 6PM at our Covered California Enrollment Helpline at 866-936-3831.[/vc_column_text][/vc_column][/vc_row][vc_row][vc_column][vc_custom_heading text=”COVERED CALIFORNIA PHONE NUMBER” font_container=”tag:h2|font_size:32|text_align:left|color:%23091f5e|line_height:47px” use_theme_fonts=”yes”][vc_column_text]We are licensed by the California Department of Insurance and a Certified Agent for Covered California. We provide free expert advice to determine your eligibility, complete the application and help you enroll. If you have questions about your Covered California login member portal, feel free to call. Although this is not the official website or Covered California phone number, you may Call Covered California’s Enrollment Helpline for free assistance from a Certified Agent during open enrollment at 866-936-3831.[/vc_column_text][/vc_column][/vc_row][vc_row][vc_column][vc_custom_heading text=”COVERED CALIFORNIA LOGIN AND MEMBER PORTAL” font_container=”tag:h2|font_size:32|text_align:left|color:%23091f5e|line_height:47px” use_theme_fonts=”yes”][vc_column_text]Many people rarely use their Covered California login to access the member portal and may not remember their covered ca login details. We’re here to help you except during the Covered California Open enrollment season and thus need some assistance with their sign in. Although we are not the official website, we are Certified Agents for Covered California and can help you through our Covered California Enrollment Helpline at 866-936-3831. Contact us to change your broker of record to our agency and we can access your account information and help with your renewal, download a copy of your 1095a, help you access our Covered California cost calculator, shop and compare rates and benefits, all for no charge![/vc_column_text][/vc_column][/vc_row][vc_row][vc_column][vc_custom_heading text=”Health Care Costs and Getting Help to Pay for Coverage” font_container=”tag:h2|font_size:32|text_align:left|color:%23091f5e|line_height:47px” use_theme_fonts=”yes”][vc_column_text]Individual health plans vary in how much they pay for your health costs. No longer are health plans required to meet certain minimum essential coverage. And when you apply for Covered California during Open Enrollment no one can be denied coverage for any pre-existing medical conditions.

Covered California insurance rates are classified under five major categories to make comparing them easier. The categories are divided according to the percentage of health care costs they pay, and they include the following:

  • Platinum – Plan pays 90% of your health costs. You pay 10%.
  • Gold – Plan pays 80% of your health costs. You pay 20%.
  • Silver – Plan pays 70% of your health costs. You pay 30%.
  • Bronze – Plan pays 60% of your health costs. You pay 40%.
  • Catastrophic – These plans are only for people under 30 years or those experiencing financial hardship. These plans pay less than 60% of your health care costs.

[/vc_column_text][/vc_column][/vc_row][vc_row][vc_column][vc_custom_heading text=”Affordable Insurance – Covered California’s Open Enrollment” font_container=”tag:h2|font_size:32|text_align:left|color:%23091f5e|line_height:47px” use_theme_fonts=”yes”][vc_column_text]Before purchasing individual health insurance, you need to think about your health care needs and budget. Use our Covered California insurance calculator to compare various plans to find affordable insurance to fit your budget. You may also contact a Covered California Agent at 866-936-3831 to get free personal advice to help you analyze all the factors that go into your plan selection. Here are some questions you’ll want to get answers to:

  • How is the plan structured?
  • Which providers are in the network?
  • What is covered by the plan?
  • How much out-of-pocket costs do you pay?
  • How much does the plan pay for your coverage?

Think about your budget as well as your health care needs, and find out how much it will cost you in insurance premiums and out-of-pocket costs for every plan you consider. Covered California makes it easier to compare different plans and choose the one that fits your individual health needs and budget.

Making a smart choice in health insurance isn’t easy, but the research you do now will pay off later when you need health care for yourself and your family. Take advantage of our online services for free, instant Covered California quotes, on individual, and family health insurance plans and get affordable insurance today. Although this is not the official site for the Covered California login or Covered California phone number, you may contact our Covered California enrollment helpline number at 866-936-3831. Start Here Now.[/vc_column_text][/vc_column][/vc_row][vc_row][vc_column][vc_custom_heading text=”HEALTH INSURANCE PLANS OUTSIDE THE MARKETPLACE” font_container=”tag:h2|font_size:32|text_align:left|color:%23091f5e|line_height:47px” use_theme_fonts=”yes”][vc_column_text]As brokers we also sell health insurance plans that are non Obamacare health insurance or non-Covered California insurance healthcare plans. These plans are called off exchange health insurance plans. These plan were originally designed to meet all the requirements of the health care law, including covering pre-existing conditions, providing free preventive care, and not capping annual benefits.

  • The Covered California member portal doesn’t list or offer these plans. You can find these plans through our online health quote engine where you can compare and find affordable insurance plans. If you buy a plan “off exchange health insurance” then , you can’t get premium tax credits or other savings based on your income.
  • Off-exchange health insurance plans give you different choices than on exchange plans through Covered California. With off exchange health plans you’ll have a choice of a different insurance carrier, provider network and prescription drug list. Choices that you can’t find access to through the exchange plans offered by Covered California. If you’re shopping for a new health insurance plan during open enrollment you can find off exchange health insurance options here or by calling our health insurance enrollment helpline at 866-936-3831.

As independent insurance brokers we can also help you protect your family with life insurance. Find out about Transamerica and what Transpremier Life can do for you. 

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