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L.A. Care has one of the largest provider networks among Covered California™ plans.

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L.A. Care Covered ™ plans offer the same basic benefits across all coverage levels.

Bronze, Silver, Gold and Platinum are the four levels, which are also called metal tiers. The main difference between metal tiers is the monthly premium amount and out-of-pocket costs when services are used.

If you don’t qualify for Covered California, you can buy health coverage directly from L.A. Care. Affordable premiums, as well as access to quality services and our wide network of dedicated health care providers are offered by L.A. Care Covered Direct ™ plans.

L.A. Care Covered ™ Plans at a Glance 2020
L.A. Care Covered ™ Plans at a Glance 2019
L.A. Care Covered Direct ™ Plans at a Glance 2020
L.A. Care Covered Direct ™ Plans at a Glance 2019

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The Difference Between Metal Tiers

 

Bronze Medal Icon Bronze Plans Bronze Medal Icon Silver Plans Bronze Medal Icon Gold Plans Bronze Medal Icon Platinum Plans
  • Lowest monthly premiums
  • Highest out-of-pocket cost
  • Access to urgent care before deductible
  • Free preventive care
  • Physician office visits and urgent care before deductible
  • Generic Rx available before deductible
  • No deductibles
  • Free preventive care
  • Affordable office visit co-pays
  • Highest monthly premiums
  • Lowest out-of-pocket cost
  • Low office visit and prescription drug co-pays

L.A. Care Covered
BRONZE 60 HMO

L.A. Care Covered Direct
BRONZE 60 HMO

L.A. Care Covered
SILVER 70 HMO
SILVER 73 HMO
SILVER 87 HMO
SILVER 94 HMO

L.A. Care Covered
GOLD 80 HMO

L.A. Care Covered Direct
GOLD 80 HMO

L.A. Care Covered
PLATINUM 90 HMO

L.A. Care Covered Direct
PLATINUM 90 HMO

Bronze Medal Icon Bronze Plans

  • Lowest monthly premiums
  • Highest out-of-pocket cost
  • Access to urgent care before deductible

L.A. Care Covered
BRONZE 60 HMO

L.A. Care Covered Direct
BRONZE 60 HMO

Silver Medal Icon Silver Plans

  • Free preventive care
  • Physician office visits and urgent care before deductible
  • Generic Rx available before deductible

L.A. Care Covered
SILVER 70 HMO
SILVER 73 HMO
SILVER 87 HMO
SILVER 94 HMO

Gold Medal Icon Gold Plans

  • No deductibles
  • Free preventive care
  • Affordable office visit co-pays

L.A. Care Covered
GOLD 80 HMO

L.A. Care Covered Direct
GOLD 80 HMO

Platinum Medal Icon Platinum Plans

  • Highest monthly premiums
  • Lowest out-of-pocket cost
  • Low office visit and prescription drug co-pays

L.A. Care Covered
PLATINUM 90 HMO

L.A. Care Covered Direct
PLATINUM 90 HMO

Plain-Language Rate Filing Description

Which Is Right for Me?

When you're choosing a plan, think about how often you see a doctor and use services. It may work out better for you to pay a higher monthly premium so that you spend less on your co-pays.


  • How many times did you see a doctor this past year?
  • Did you fill any prescriptions on a regular basis?
  • Do you think your use of health care will increase, decrease, or remain the same in 2020?
  • Did you have more out-of-pocket expenses than you expected?

L.A. Care also offers a Minimum Coverage plan for people under 30. This is known as a “Catastrophic Plan” and has no co-pays. It is the least expensive premium with the highest deductible. In case of a medical emergency it provides protection and offers three primary visits before you have to meet a deductible. You can apply for a Hardship Waiver from Covered California, if you’re over 30 and need this lower cost option.

L.A. Care Covered
MINIMUM COVERAGE HMO

L.A. Care Covered Direct
MINIMUM COVERAGE HMO

Your premium is based on age, ZIP code, household size, projected household income, the type of plan you select and the health insurer you choose.

Use our Get a Quote tool to see an estimated premium and suggested plans.

Get a Quote

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Contact us. We're here to help.

Talk to an L.A. Care representative at 1-855-222-4239 (TTY 711) or message us for help choosing a health plan.

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