Project Inform and several other community partners today released the guide, “How to Choose a Health Plan in Covered California”, for people living with HIV and/or hepatitis C (HCV) and individuals considering pre-exposure prophylaxis (PrEP). The guide explains important things to consider when choosing a plan and includes information about additional benefits that might be available to help pay for the cost of health insurance.
A second publication called “Covered California’s 2015 Formularies” includes an analysis of the availability of HIV, HCV and PrEP drugs on each of the 10 plans’ drug formularies and how to estimate the amounts people will have to pay for their medications.
Covered California open enrollment began November 15, 2014 and ends February 15, 2015. However, if you would like your coverage to start January 1, 2015, you will need to enroll by December 15, 2014, and make your first premium payment by the due date to start coverage.
After open enrollment, you can only enroll through a special enrollment period, which occurs if you have a “qualifying life event” such as loss of a job, birth of a child, divorce, or loss of insurance. If you choose not to enroll and don’t have other comprehensive health insurance, you may be required to pay a tax penalty.
If you’re living with HIV and/or HCV or considering PrEP, it is extremely important to understand all your options before enrolling in a new health insurance plan through Covered California. This guide will help you choose a plan that best meets your individual health needs and budget. Whenever possible, you should talk with a Covered California certified enrollment counselor who understands your individual health care needs before enrolling in a new health insurance plan.
The coalition partners who helped in the production of these publications include: AIDS Services Foundation Orange County, APLA Health & Wellness, CNE Media, Los Angeles LGBT Center, Public Law Center, San Francisco AIDS Foundation, San Luis Obispo County AIDS Support Network and The Thrive Tribe Foundation.
These publications are free. Feedback and corrections are encouraged.