Obama Care (Thời Hạn Ghi Danh 11/01/2015-01/31/2016)

Ghi Danh 11/01-01/31/2015

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The official name for “ObamaCare” is the Patient Protection and Affordable Care Act (PPACA), or Affordable Care Act (ACA) for short. The ACA was signed into law to reform the health care industry by President Barack Obama on March 23, 2010 and upheld by the Supreme Court on June 28, 2012.

 (Thời Hạn Ghi Danh 11/01/2015-01/31/2016)

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What is ObamaCare?

The official name for “ObamaCare” is the Patient Protection and Affordable Care Act (PPACA), or Affordable Care Act (ACA) for short.

• The ACA was signed into law to reform the health care industry by President Barack Obama on March 23, 2010 and upheld by the Supreme Court on June 28, 2012.

• ObamaCare’s goal is to give more Americans access to affordable, quality health insurance and to reduce the growth in U.S. health care spending.

• The Affordable Care Act expands the affordability, quality, and availability of private and public health insurance through consumer protections, regulations, subsidies, taxes, insurance exchanges, and other reforms.

The Good News About Obamacare:

Before Obamacare, healthcare premiums were too expensive for many families to afford. And even if you could afford it, insurance companies would deny coverage to anyone who had a preexisting medical condition, making it near impossible to get coverage if you weren't 100% healthy. Obamacare, officially known as the "Affordable Care Act," changed all of that. Now, by law, healthcare has become much more affordable and universally available. You don't need a high income or perfect health to get insured.

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Four Standard Benefit Levels Covered California has affordable insurance options for Californians at all income levels and family sizes. The new marketplace offers quality health insurance plans with four levels of coverage: Bronze, Silver, Gold and Platinum. At each level, all insurance plans offer the same benefits, allowing consumers to determine which level is best for them based on their expected use of medical services. Platinum plans have the highest monthly premium, but they also pay 90% of covered health expenses. Bronze plans have the lowest monthly premium but only pay 60% of covered health expenses. All health insurance plans were selected by Covered California based on their quality, provider networks and affordability. They all cover essential health benefits such as doctor visits; hospital care; emergency care; care for pregnant women, infants and children; and prescription drugs.

ObamaCare là gì?

• Là chương trình giúp cho những công dân Hoa Kỳ có được bảo hiểm y tế chất lượng với giá cả phải chăng và giảm tăng trong các chi tiêu chăm sóc sức khỏe của Hoa Kỳ

• Chương trình này đã được ký thành luật,để cải tổ ngành chăm sóc sức khỏe của Tổng thống Barack Obama vào ngày 23 tháng 3 2010 và duy trì bởi Tòa án Tối cao vào ngày 28 Tháng Sáu năm 2012

• Luật này mở rộng khả năng chi trả, chất lượng, và sự sẵn có của bảo hiểm y tế tư nhân và công cộng thông qua sự bảo vệ người tiêu dùng, các quy định, các khoản trợ cấp, thuế, trao đổi bảo hiểm, và các cải cách khác.

Tin tốt khi có Obamacare:

Trước khi có Obamacare, phí bảo hiểm y tế là quá đắt đối với nhiều gia đình để mua được. Và thậm chí nếu bạn có thể đủ khả năng đó, các công ty bảo hiểm sẽ từ chối bảo hiểm cho bất cứ ai có một vấn đề về sức khỏe từ trước, làm cho nó gần như không thể để có được bảo hiểm nếu bạn không phải là 100% khỏe mạnh. Obamacare, chính thức được gọi là "Đạo luật Chăm sóc y tế với giá cả phù hợp" thay đổi tất cả. Bây giờ, theo luật, chăm sóc sức khỏe đã trở nên phổ cập và phù hợp hơn với khả năng của công dân Hoa Kỳ. Bạn không cần phải có thu nhập cao hoặc sức khỏe hoàn hảo để có được bảo hiểm.

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You may be eligible for Medi-Cal or Low-Income Health Plan.

Whether you qualify for financial assistance depends on your household income and family size. See the charts below to help determine if you qualify for financial help.

This chart is the Federal Poverty Level Guidelines for the 2015 Benefit Year. See the charts below to help determine if you qualify.

Program Eligibility by Federal Poverty Level
Household Size Cost Sharing Reduction Eligible for Income-Based Medi-Cal Eligible for Premium Assistance (PA)
Medi-Cal Access Program (No PA)
formerly AIM (Access for Infants & Mothers)
 
(> 213% to ≤ 322%)
Silver Cost Sharing Reductions (CSR)
94% 
(≥100 to ≤150% FPL)
87% 
(>150 to ≤200% FPL)
73% 
(>200 to ≤250% FPL)
MAGI Medi-Cal (kids 0-18 yrs.) up to 266% FPL
100% ≤ 138% > 138% 150% 200% ≥ 213% 250% ≥ 266% 300% 322% 400%
1 $11,770 $16,243 $16,244 $17,655 $23,540 $25,070 $29,425 $31,308 $35,310 $37,899 $47,080
2 $15,930 $21,983 $21,984 $23,895 $31,860 $33,931 $39,825 $42,374 $47,790 $51,295 $63,720
3 $20,090 $27,724 $27,725 $30,135 $40,180 $42,792 $50,225 $53,439 $60,270 $64,690 $80,360
4 $24,250 $33,465 $33,466 $36,375 $48,500 $51,653 $60,625 $64,505 $72,750 $78,085 $97,000
5 $28,410 $39,206 $39,207 $42,615 $56,820 $60,513 $71,025 $75,571 $85,230 $91,480 $113,640
6 $32,570 $44,947 $44,948 $48,855 $65,140 $69,374 $81,425 $86,636 $97,710 $104,875 $130,280
7 $36,730 $50,687 $50,688 $55,095 $73,460 $78,235 $91,825 $97,702 $110,190 $118,271 $146,920
8 $40,890 $56,428 $56,429 $61,335 $81,780 $87,096 $102,225 $108,767 $122,670 $131,666 $163,560
For each additional person, add $4,160 $5,741 $6,240 $8,320 $8,861 $10,400 $11,066 $12,480 $13,395 $16,640

Individual Hourly Income Subsidy Table
 40 hrs. per wk36 hrs. per wk30 hrs. per wk25 hrs. per wk20 hrs. per wk
Minimum Wage $16,640 $14,976 $12,480 $10,400 $8,320
$9 per hour $18,720 $16,848 $14,040 $11,700 $9,360
$10 per hour $20,800 $18,720 $15,600 $13,000 $10,400
$11 per hour $22,880 $20,592 $17,160 $14,300 $11,440
$12 per hour $24,960 $22,464 $18,720 $15,600 $12,480
$13 per hour $27,040 $24,336 $20,280 $16,900 $13,520
$14 per hour $29,120 $26,208 $21,840 $18,200 $14,560
$15 per hour $31,200 $28,080 $23,400 $19,500 $15,600
$16 per hour $33,280 $29,952 $24,960 $20,800 $16,640
$17 per hour $35,360 $31,824 $26,520 $22,100 $17,680
$18 per hour $37,440 $33,696 $28,080 $23,400 $18,720
$19 per hour $39,520 $35,568 $29,640 $24,700 $19,760
$20 per hour $41,600 $37,440 $31,200 $26,000 $20,800
Legend
Premium assistance through Covered California Medi-Cal

Health Plan Websites

Questions about premium bills, payment due dates and costs associated with doctor visits or other services should be directed to your health insurance plan or dental plan. They can also answer questions about doctor and hospital networks and options and help you choose a provider. The phone numbers and websites of the health insurance companies and dental companies working with Covered California are listed below.

Visit the page to see contact information for Covered California and to get links to other resources, such as a list of county human services offices offering Medi-Cal help and lists of Certified Insurance Agents and Certified Enrollment Counselors in your area who can provide in-person assistance with the health coverage application process.

Covered California Health Insurance Company Contacts for 2015 Coverage

Anthem Blue Cross of California
www.anthem.com/ca
(877) 702-3074
Kaiser Permanente
www.kp.org
(800) 464-4000
Valley Health Plan
www.valleyhealthplan.org
(408) 885-5780
Blue Shield of California
www.blueshieldca.com
(855) 836-9705
L.A. Care Health Plan
www.lacare.org
(888) 452-2273
Western Health Advantage
www.westernhealth.com
(888) 563-2250
Chinese Community Health Plan
www.cchphealthplan.com
(888) 775-7888
Molina Healthcare
www.molinahealthcare.com
(888) 562-5442
 
Health Net
www.healthnet.com
(877) 288-9082
Sharp Health Plan
www.sharphealthplan.com
(800) 359-2002
 

Pediatric dental coverage for 2015 is embedded within health insurance plans, so questions about pediatric dental coverage should be directed to the appropriate health insurance company above.

Small Business Health Options Program Health Insurance Company Contacts for 2014 and 2015 Coverage

Blue Shield of California
www.blueshieldca.com
(800) 325-5166
Health Net
www.healthnet.com
(888) 926-5122
Sharp Health Plan
www.sharphealthplan.com
(800) 827-4277
Chinese Community Health Plan
www.cchphealthplan.com
(415) 834-2118
Kaiser Permanente
www.kp.org
(800) 464-4000
Western Health Advantage
www.westernhealth.com
(888) 563-2250

 

Small Business Health Options Program Dental Company Contacts for 2014 and 2015 Coverage

Access Dental Plan
www.premierlife.com
(877)-702-8800
Dental Health Services
www.dentalhealthservices.com/CA
(800) 637-6453
Managed Dental Care of California
www.guardiananytime.com
(800) 541-7846
Blue Shield of California 
(pediatric dental only)
www.yourdentalplan.com/bsca 
(800) 286-7401
Guardian
www.guardiananytime.com
(800) 541-7846 
MetLife
(pediatric dental only)
www.metlife.com/dental
(855) 638-3940
Delta Dental of California
www.deltadentalins.com
DPPO: (800) 471-0287
DMHO: (800) 471-7583
Liberty Dental Plan
www.libertydentalplan.com/coveredca
(888) 844-3344
SafeGuard Health Plans Inc.
www.metlife.com/dental
(855) 638-3940

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Obama Care (Thời Hạn Ghi Danh 11/01/2015-01/31/2016)

Obama Care (Thời Hạn Ghi Danh 11/01/2015-01/31/2016)

The official name for “ObamaCare” is the Patient Protection and Affordable Care Act (PPACA), or Affordable Care Act (ACA) for short. The ACA was signed into law to reform the health care industry by President Barack Obama on March 23, 2010 and upheld by the Supreme Court on June 28, 2012.

 (Thời Hạn Ghi Danh 11/01/2015-01/31/2016)

Sign up for Medical is year round