Best Health Insurance Agencies in Riverside

Frequently Asked Questions

• Introduction

  If you're looking for health insurance for yourself or your family, an agent can help you save time, understand your options, and manage your costs. Insurance agents must be licensed in the state where they operate. They can provide information about on- and off-exchange plans to help you weigh all of your options, and they can see if you qualify for tax credits that can lower your monthly premiums. There's no cost to work with an agent, and they can help you save quite a bit by recommending the best plan for your needs. Here's what you should know before you get started.
  

• What happens if you qualify for both Medicaid and Medicare in Riverside?

  For individuals in Riverside who are "dual eligible," meaning they qualify for both Medicaid and Medicare, the coordination of Medicaid and Medicare plans ensures comprehensive coverage tailored to their needs. Here, Medicare would be the primary plan, covering most healthcare services. Meanwhile, Medicaid complements by covering services and benefits not included in Medicare.

• What documents do you need when applying for Medi-Cal in Riverside?

  To apply for Medi-Cal in Riverside, you'll need the following documents:

  • Social Security card.
  • Photo ID.
  • Birth certificate or naturalization certificate, USA passport, or green card.
  • Evidence of child support received (letter or statement).
  • Proof of California residency (e.g., CA ID, driver's license, or utility bill).
  • Your income tax return, the three latest pay stubs, or a signed letter from your employer.

• Which services and benefits does Medicaid include in Riverside?

  In Riverside, Medicare provides coverage for vital health services, encompassing the following:

  • Emergency care.
  • Stays in the hospital.
  • Outpatient (ambulatory) services.
  • Treatment for substance abuse and mental health.
  • Maternity and infant care.
  • Prescription drugs.
  • Preventive and wellness services, along with chronic illness management.
  • Vision and dental care.
  • Physical and occupational therapy (rehabilitative and habilitative services).

• Is it possible to apply for health insurance in Riverside that provides coverage during pregnancy?

  Yes. Be sure to answer "yes" when asked about pregnancy while completing the health insurance application in Riverside, or communicate this to the person assisting you. You can seek health insurance that includes prenatal care, labor, childbirth, and postpartum care. Pregnancy-related exclusions are no longer permitted by health insurance companies.

• What is Covered California in Riverside?

  Covered California is the health insurance marketplace for those without Medi-Cal or workplace insurance in Riverside. If you're a U.S. citizen or permanent resident and your income ranges between $16,105 to $46,680 (individual) or $32,913 to $95,400 (family of four), you could receive federal financial assistance for premium payments. If not, you can still get insurance through Covered California, but federal financial aid won't be available.

• How can you find affordable health insurance? 

  Affordable insurance is available through employers, Medicare, Medicaid, and the federal Health Insurance Marketplace, which offers subsidies in the form of tax credits. You can also purchase coverage through private insurance companies and independent agents. Nearly half of all Americans have employer-sponsored health insurance, and about 10% of the population is uninsured.