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Covered California Q&A

Covered California and Obamacare related questions from consumers, employers and agents are answered by Phil Daigle with the best information available at the time. Archived entries may no longer be accurate as the Covered California and Obamacare knowledge-base is evolving quickly. TO REQUEST A PERSONAL RESPONSE INCLUDE EMAIL ADDRESS.


Which Plan Should I buy?

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Question: When I ran a quote on the website it wasn't clear about bills that the insurance company would pay and what bills I pay . What happened the last time I had insurance was I went for some blood work and I ended up paying for the whole thing! The plan I was looking at was the Unicare performance 2000 in Texas. I can afford it ok. but does it cover the things I need?

Answer: One of the most prevalent issues in health insurance is that the consumer has not received sufficient education about the plan they have purchased. The responsibility for this education lies very much with the broker who sells the policy in the first place. The consumer also needs to ask a number of different questions, similar to the one you are asking here, to make sure they understand their plan at the point of purchase. Also, as questions crop up once the policy is in place, ideally the consumer would be able to contact their broker with questions or for help with any issues they struggling with. My advice to you would be to speak to an educated broker who cares that you get a plan that both fits your budget and meets your needs.

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