Covered California

This isn't even insurance. It's a fleecing scam. Worthless policies that benefit everyone EXCEPT the public. You'll get better healthcare from Walmart or by going to Tijuana nowadays.

Health Insurance through CoveredCA should had never been approved base on a person's gross income. Since all patients monthly premiums are paid directly to their health insurance plans and not Covered California. Also people whose income is low that should be optional if they want to apply for Medi-cal benefits.

It's only useful for not getting screwed on your taxes.
Weeks and weeks to book an appointment.
At the end of the year make sure they aren't sneaking your premiums up.
Last year blue shield tried to charge me 300$ a month for their non existent coverage.
Parasites

One of the worst insurance experiences. Would give zero stars if possible. Site and account errors, including an unauthorized adjustment by the county to my account that resulted in pricing errors and future tax implications. Covered Ca could not fix, and when county finally addressed, Covered Ca retroactively increased my payment amount. Absolute nightmare, hours on phone. Forget Covered California and either go to the insurance directly, or forgo altogether. Expensive, exhausting, and coverage is bottom level.

No one can help, I can't enroll at all They will not help at all. I'm so frustrated. Lots of case numbers to reference ZERO help. I don't know why these people are there.

Covered California does not work for us living in the ******* Needles area an unincorporated area of San Bernardino. We have to drive 4 hours to see a specialist at Loma Linda. We are closer to Arizona, but oh no, it can't be used there. I have become a cash paying customer. If you go In to edit your income, it won't retain what you entered, it will use the old amount. I got Blue shield instead, what a mistake. I was bounced back and forth between covered California and blue shield

Covered CA... where you can also get toothpaste, deodorant, and laundry detergent out of someone's trunk. How the hell is this POS still being hired by our tax dollars to service customers? The idiots that work here are prime examples of what happens when you only take half the abortion pill.

No one knows their butthole from their mouth here. My account was deleted 6 times and every time I had to go back in and reenroll and go an entire month with no coverage. No one has any idea why my account keeps getting deleted either. A bunch of drool cup idiots!

Trying to figure out how CC determines what's actually affordable for us plebs, so... I have been divorced for 3 years now and a month away from 62 yrs old. I purchased a condo (couldn't afford an actual house) with what money I was left with after the divorce so my mortgage is $2,000 a month (in California this is cheaper than rent, yes, seriously). So far I don't have a car payment but I will soon enough because my vehicle (Honda) has 147,000+ miles into it and not doing well. Continuing... auto insurance is about $450 a month. Home insurance is $250 a month. Utilities are roughly $200 a month. Gas to/from work is about $225 a month. So far that's $3,125 a month in expenses. Now keep in mind there's no mention of expenses for food here yet. State & federal taxes for me is 25%, removed from my pay check. After these lovely taxes my take home pay totals about $4,000 a month (give or take). Now, that leaves me with $875 a month for CC health insurance, food and other essentials but somehow Covered California thinks that I can afford $750 a month in health insurance. I know that others are worse off than I am but seriously how can you (corporate personal) in good conscience charge these outrageous rates to everyone and still consider them affordable? I attached only two of the "quotes" (they are a moving target once you actually press the button to sign up) which range from $649 (Kaiser) to over $1,000 (Blue Shield). This is very sad because my insurance (with my husband at the time) was only $289 a month (yes, total for both of us) in 2008. This current "affordable care act" and the (2) insurance companies (why only 2) are taking advantage of everyone :(

Below is a list of my discoveries while insured under CoveredCA.
-Website is more vague than helpful. I found this out the hard way during tax time.
-The plans are horrible. High premiums, Low coverage.
-If you don't report any changes to your salary during the first 6 months you obtain insurance, they will drop your coverage; and it may effect your taxes for the following year.
-If you get a salary increase, the premium triples. Even if you are the sole income earner in your family.
-If you make too much (ie $1 over poverty level), you won't get the credit.
-Calling in to get any support is a joke. Don't bother.

After having insurance throughout 2020, which I later found I could have saved a lot more on, I applied for 2021, ended up with two accounts instead of one, both useless, both took over a month to sort out to make just into one. Then I log in to choose a plan and had to figure it out. So a few days later just a day prior to an expire date, I go to log in, and the page cannot be found! A 404 error, on the signin page! WTF?!? It's one thing after another and I'll probably get penalized for not having insurance when they were the ones that caused the foulups in the first place. Fx$k! Covered CA!

Tried to figure out how to cancel a plan. Could not find it on the web site. Googled for it, and found doc saying, "If you need to cancel your health or dental plan, you can do so by logging into your Covered California account." Logged in, and then could NOT in any way shape or form find any way to cancel. Every action was a dead end. This web site has no functionality for the most basic things and/or no way to discover how to do anything. It's amazingly bad, one of the worst.

Biggest mistake ever getting this insurance! Don't do it!
They don't allow going out of state, even if an exception needs to be made because the nearest "in state specialist" is 5 hours each way (so it's an $$$ overnight trip) The Gastroenterologists who are in CA an hour away, won't accept new pts and/or won't accept covered CA! If I cross into the next state I only have a hour drive and can get an appt within days. So that's what I'll do- I'm going to have to pay out of pocket!
The way this health insurance works is completely unacceptable.
The customer support was also horrible- the woman kept looking up providers in counties I've never heard of- 6 hours away. She didn't seem to be using by zip code or town name. A nightmare all around.
Write your congressman/woman!

The service CaCovered offers overall is great. But the website creates real problems for the information that is entered. The CaCovered helpline is good, but they do not have the power to change or revert data that needs fixing. The data entry functions for changing income is really problematic, especially the dates field. Changing plans is also convoluted and site navigation loops around. The plan comparison webpages are good. Physician search is also pretty good. But the rest of this portal needs to re-beta test some new programming.

Initially when I filed with this company, even though I am low income, they could not offer me a program that actually addressed my medical needs. Then, after filing for insurance and paying out of pocket for my plan, they canceled my insurance without telling me due to a system glitch. When they tried to fix the issue, they misfiled my case and sent it to the wrong processing center. I had to delay a medically necessary appointment for two weeks now due to their incompetency, and there was ZERO compensation. I am beyond disgusted by this company and recommend to avoid using them at all cost.

If you want to have the worst time and spend hours dealing with them, this is the service to use! They always make trouble.
I have been trying to have my insurance through their service, but they canceled it at the beginning of the month, in the middle of the month, and are not even giving me a refund! I made the payment, and they said everything was alright, then without any notice, they canceled my insurance. They are not trustworthy and are awful.
They do not care about people and do not even know what they are doing. Each agent is saying the other agent did something wrong, and even the supervisors cannot figure out the case. The agent is saying one thing, the Covered California supervisor says a different thing! Total mess! Try not to deal with them and not to apply for an insurance through them!

If you have no other choice for health coverage, at least now you know "what's in it". Thank's a lot!

Thank heaven we hit retirement age and got Medicare! We will no longer have to deal with this scam outfit (*after* they suck thousands out of our savings next year, to cover our 3 months of tax credits during 2021)! - We've been ruined by Covered California! Try paying back $15,000.00 in health care credits to the IRS in a year like 2020, with nearly no income due to the pandemic. It's pretty difficult! - We lost our meager life savings because of these thieves! I will go to my grave *praying* that all the evil people responsible for Covered California burn for eternity in hell.

I don't even know why I need insurance when most won't take Covered California plans. Granted I'm paying a dollar a month so beggars can't be choosers but at least offer something that actually is useable. Don't go around parading health insurance for all if it's insurance in name only and no one accepts it. Done looking for doctors who will actually take this crap. I guess I'll keep it till I'm making enough money to afford real insurance so I can not get penalized for not having health insurance cause that's all this seems to be good for.

They said I re enrolled for 2022 and that is a straight up lie! They sure collected those Federal premium assistance payments I bet!

I enrolled in January and was told to pick a plan by 2/15/22. I went to pick a plan and my information would not properly input. I called to see what the problem was and I was told by a rep that I missed the deadline and now needed a "Qualifying Event" to enroll. I did not miss the 2/15/22 deadline as I am writing this on 2/14/22. I do not have a "Qualifying Event" and therefore cannot sign up. I am being told I will not have healthcare in the middle of a global health crisis even though I chose a plan prior to the deadline Covered California gave me. DO NOT GO THROUGH THEM. I would give negative stars if I could.

The county and the agencies waste peoples time. Take you in circles, change your income in their system, cause too many errors and on top of that you end up paying fraudulent cost and its their fault or on purpose they cause you many problems so you dont be able to use your health plan but just pay them monthly high prjces that at some point you end up paying late but they block you from usong the health insurance until you pay them what they want. And to make it cute.You dont pay for insurance then IRS or California government punishes you with a fine that will be charged as a penalty fron your taxes. FRAUD simply as that and no one cares to help us.

Bureaucratic nightmare! This is not affordable at all. Plans are horrible. Middle-age people are screwed. Too young for Medicare. Too old for Medi-Cal. Medi-Cal is also awful.Deductibles are extremely high. No real choices. This is fake insurance. Just get a PPO with the highest deductible. Save your money and pay cash out-of-pocket to the doctors. Don't even bother with the scam insurance unless it's an emergency situation and even then it's a bureaucratic nightmare. We get a lot worse care and pay a lot more money. Thank you Obama care thank you governor Newsom. Thank you for screwing people who really need help. You all should be ashamed of yourselves.

I despise Blue Shield of CA Covered California. Very few doctors accept Covered California because they pay insultingly low fees to doctors. I have 2 good doctors who accept this insurance and I feel ashamed that they lose money accepting me and my crap insurance. One doctor complains bitterly about it and I suspect I will be losing his services soon. Blue Shield of CA Covered Calif has collected over 100k in premiums for me over the years & paid out almost nothing. Now that I have a severe health issue, I am finding there are no good specialists who accept Covered California policies. I am paying high premiums yet paying out of pocket for almost everything. As a newly disabled person, I can't afford to pay out of pocket yet I must if I want care. Blue Shield must think doctors order MRIs just for fun. Why does Blue Shield have to approve a doctor ordered test? Why should doctors answer to pencil pushers? This prior authorization policy for anything that costs over $100 ishould be illegal. Doctors know what is medically necessary, insurance companies know what costs them money. The only one benefitting from Blue Shield insurance is their CEO who makes 3.6 million. I guess that is their reward for denying health care to people who are suffering and who truly need help. I need help so badly and no way is Blue Shield Covered California going to do anything except call necessary procedures investigational and deny healthcare. I don't blame doctors for refusing to be paid crap by Covered California policies. Seriously, my plumber and a/c repairman make more money than Blue Shield Coveref Calif pays my doctors. Get rid of insurance companies, they have ruined healthcare.