Norman Sheehan Insurance Agency is one of Sonoma County’s most experienced and knowledgeable resources for applying to and choosing your best options through Covered California.
Covered California is where Californians can get brand-name health insurance under the Patient Protection and Affordable Care Act. It’s the only place to get federal premium assistance to help you buy health insurance from the companies shown below. That means you may qualify for a discount on a health plan through Covered California, or get health insurance through the state’s Medi-Cal program. Either way, you’ll have great health coverage.
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- Coverage Levels: Most health insurance newly sold to individuals and small businesses must now be classified as one of four levels of coverage: Bronze, Silver, Gold or Platinum. In addition to those four levels of coverage, a minimum coverage plan is available to those who are younger than 30 or can provide certification that they are without affordable coverage or are experiencing hardship.
- Essential Health Benefits: All health insurance plans offered in the individual and small-group markets must provide a comprehensive package of items and services, known as essential health benefits. These benefits fit into 10 categories, and include services like prescription drugs, mental health care, and emergency services.
- Dental Coverage: All Covered California health insurance plans offer embedded pediatric dental coverage. This means that dental insurance for children is included in the price of all health plans purchased in the exchange. In addition, Covered California now offers supplemental dental coverage for adults, through optional family dental plans.
- Vision Coverage: Covered California offers consumers a pathway to quality vision care. Vision care benefits for children are included in all health plans purchased through the exchange. Vision care for adults is not offered in Covered California health plans, but Covered California works with certain vision insurance companies to offer vision coverage directly to consumers.
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I was a self employed, single mother who has a daughter with a serious disability that was very expensive and would have been been a disqualifying pre-existing condition before Covered California gave us a workable solution for her health care. Norman Sheehan helped me navigate applying and choosing coverage through Covered California for me family. His knowledge of the system is extensive and of huge value to the people he guides through it.