This document provides information about health insurance plans offered through Covered California, including the insurers participating, typical benefits included, and details about hospital and physician networks. It lists the major insurers such as Anthem Blue Cross, Blue Shield of California, Kaiser Permanente, and compares some of their network sizes and locations. Statewide average premium rates for the lowest cost silver plans are provided, ranging from $304 to $335 per month. Important notes are that exchange plans have narrower networks and carriers cannot sell non-exchange plans through the exchange.

1. BENEFITS PACKAGES
Covered California
http://www.benefitpackages.com

2. Plans Offered
• Alameda Alliance for Health, Anthem Blue Cross of
California, Blue Shield of California, Chinese Community
Health Plan, Contra Costa Health Plan, Health Net, Kaiser
Permanante
• L.A. Care Health Plan, Molina Healthcare, Sharp Health
Plan, Valley Health Plan, Ventura County Health Care
Plan, Western Health Advantage

3. Benefits Included in Plans
• Ambulatory patient services, emergency services,
hospitalization, maternity and newborn care, mental
health and substance use disorder services
• Prescription drugs, rehabilitative services, laboratory
services, preventative and wellness services, pediatric
services

4. Comparing Insurers
Alameda Alliance for Health
• Network has 12 hospitals
with 3,100 physicians
Anthem Blue Cross of California
• Approximately 300
hospitals with 30,3000
physicians

5. Comparing Insurers
Blue Shield of California
• 223 hospitals with 22,048
physicians
Chinese Community Health Plan
• Serving with 9 hospitals
and 315 physicians

6. Comparing Insurers
Contra Costa Health Plan
• 10 hospitals with
approximately 5,000
physicians
Health Net
• Hospitals serving are
2040 with approximately
44,000 physicians

7. Comparing Insurers
Kaiser Permanente
• 35 hospitals with 14,219
physicians
L.A. Care Health Plan
• 35 hospitals with 1,005
physicians

8. Comparing Insurers
Molina Healthcare
• Serving you with 29
hospitals and 4,568
physicians
Sharp Health Plan
• Serving with 7 hospitals
and 2,600 physicians

9. Comparing Insurers
Valley Health Plan
• 4 hospitals with 933
physicians
Ventura County Health Care Plan
• 6 hospitals with 176
physicians

10. Statewide Average Premium Rates
Western Health Advantage
• 15 hospitals with 3,000
physicians
• Lowest Silver plan is
$304, second lowest
silver plan at $325, third
lowest silver plan is $335,
average of the three plans
is $321

11. Important Points to Remember
• Important point is that if the
consumer goes through the
exchange directly they can’t
look at the plans out of the
exchange.
• The plans within the
exchange will have “skinner
networks”
• If they call the carrier
directly they can’t sell them
their own plan within the
exchange let alone other
carriers.