Getting Health Insurance for You and Your Family

• Effective 1/1/2014, health plans during open enrollment are guaranteed issue.				• Rates are calculated based on the age of each family member, family size and region.
• 2016 Open Enrollment is from November 1, 2015 thru January 31, 2016				• California has 19 rating regions.
• California has set up an exchange called “Covered California”.				• If you are eligible for coverage through your employer or your spouse’s employer you may not be eligible for tax credits.
• There are four standardized plan levels: Platinum, Gold, Silver and Bronze.				• If you do not qualify for tax credits through Covered CA, those same plans are also available directly through the carriers.
• There are three financial assistance programs available to those who qualify.				• Certified Insurance Agents and Certified Enrollment Counselors can assist you with your Covered CA enrollment. See chart on back.
• Premium Assistance (Tax Credits) reduces the cost of your premium.				• The price you pay for your plan is identical whether purchased directly from Covered CA or with the help of a Certified Insurance Agent.
• Cost Sharing Reduction reduces costs of covered services.				• In 2016 the penalty for not obtaining minimum essential coverage is $695 per adult or 2.5% of household income, whichever is greater.
• Medi-Cal is a program that may be at no cost to those who qualify. Thresholds were expanded in 2014. See chart on back.				• Special Enrollment Periods (outside of open enrollment) are available. See chart on back.
• Premium assistance and cost sharing reduction programs are only available through Covered California.				• In Los Angeles, participating carriers with Covered California are: Anthem Blue Cross, Blue Shield, Health Net, Kaiser, Oscar Health, L.A. Care Health Plan and Molina Healthcare.
• Premium assistance (tax credits) can be applied towards monthly premium or at tax filing for those who qualify.				• We partner with all above mentioned carriers including CIGNA and United Healthcare in the private market as well.
				Alberta Bellisario CA License #0A02225 818.888.0880 ext. 202 alberta@pdinsure.com				Paul Davis CA License #0669770 818.888.0880 ext. 201 paul@pdinsure.com
Our trusted partners:		PAB Insurance Solutions,  CA License #0178979
www.pdinsure.com
Northridge, CA 91324 & Sherwood Forest, CA 91325
Call for Appointment!
Services and Market Segments					Certified Insurance Agents		Certified Enrollment Counselors
Assist in completing enrollment application					•		•
CA Insurance License provided by CA Department of Insurance					•
Services offered at no cost to consumer					•		•
SHOP Marketplace (Covered CA – Small Business Health Options Program)					•
Employee Applications					•
Private Marketplace (carrier plan options outside of Covered CA)					•
Individual Marketplace (Covered CA – Individual/Family plans)					•		•
Offer consultative approach and/or recommend plans					•

Program Eligibility by Federal Poverty Level (FPL) for 2015 OEP for Coverage Effective after 1/1/16

Paul Davis is a Certified Insurance Agent

Enhanced Silver Plans 94, 87 & 73 are cost sharing reduction plans which reduce the cost of your health plan benefits.