Financial Assistance

As a member of L.A. Care Covered™ not only will you be able to take advantage of L.A. Care’s competitive rates, you may also qualify for financial assistance to help pay for your coverage. As a matter of fact, ninety percent of people enrolled in Covered California™ receive financial assistance to help them pay for their health coverage. Below are the two main types of financial assistance offered through Covered California™.

Help with monthly premiums

Get help with paying your monthly premiums with premiums tax credits, also known as Advance Premium Tax Credits (APTC). To be eligible for premium tax credits, your income must be at or below four times the Federal Poverty Level. To find out if you are eligible for premium tax credits, please review the income guidelines.

Help with Deductibles, Copays, and Coinsurance

In addition to premium tax credits, you may also be eligible for cost-sharing reductions (CSR) to help pay for out-of pocket costs. Out-of-pocket costs include deductibles, co-insurance, and co-pays which are fees charged when you get care. CSRs are special in that they are only available at the Silver Plan metal level. To find out if you are eligible for cost-sharing reductions, review the income guidelines.

L.A. Care Covered Direct™ Plan 

If you do not qualify for financial assistance or prefer to purchase health coverage from us, you can apply for coverage directly with L.A. Care Health Plan. We offer the same benefits and services through our five (5) L.A. Care Covered Direct™ plans.  For help selecting the best L.A. Care Covered Direct™ plan or information about enrollment, call us at 1-855-222-4239 (TTY/TDD 711). If you are ready to apply, you may download and complete the application.