COST BREAKDOWN OF COVERED CALIFORNIA PLANS
When using the cost estimator to find plans that are available to you through Covered California, be sure to look at every detail of the plan. Don’t just look at the low monthly premium and think that is the best plan to go with. It is important to look at every detail of the plan, especially the benefits that plan offers, the network of doctors that the plan has, and one major factor that some people may overlook is the cost breakdown of the plan.
The cost breakdown of a plan lets you view exactly how much it costs for each person to be covered on the plan. What we have been seeing is that most of the time if there are dependents involved (children 18 and under) they are being signed up for Medi-Cal. If you don’t want your child signed up for Medi-Cal, there are ways to get them on the plan you are signing up for.
The first way is to fill out two applications for Covered California. On both applications you will fill out everyone’s information and answer all questions they ask you.
On the first application, when it asks if you would like premium assistance you select YES. Then when you go to list who you want coverage for and the plan that you want, you only put the people 19 and older. This will allow those people to get premium assistance.
On the second application, when it asks if you would like premium assistance you select NO. Then when you go to list who you want coverage for and the plan that you want you only list the people 18 and under. This will put them on the plan that the adults are on and keep them off Medi-Cal.
Now, because you must select NO for premium assistance for the children 18 and under, this means they will not get premium assistance and you will have to pay the child’s full premium, which could range anywhere from $116-135.
A second way of keeping your kids off Medi-Cal would be to send in just one application, wait for approval from the carrier, and then contact that carrier and let them know you would like to add your children, who are 18 and under, onto your plan. The carrier should then be able to tell you what it will cost to add each child onto the plan.
Unfortunately, there is no way to know for certain how much you will have to pay for your children who are 18 and under because Covered California’s cost estimator is not equipped to calculate for this. It will not be until you send the applications in and you get approval that you will find out how much each child costs.
Just remember to look at every detail of the plan you are choosing before signing up for it. You don’t want to be stuck with something that really isn’t going to help you.