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Silver Coverage

Go to the doctor or take medication regularly? A Silver plan could be your best option. You might even qualify for an Enhanced Silver plan with lower deductibles and lower costs when you see your doctor.

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for pre-existing conditions


of costs paid by your insurance company


preventive care

No limits

on what your plan pays for covered services


children’s dental and vision

Choose Your Household Type

(2022 prices)

an individual
a family smiling together

$800 to $8,200

Out-of-Pocket Maximum

$75 to $3,700

Medical Deductible

$0 to $10

Pharmacy Deductible

$1,600 to $16,400

Out-of-Pocket Maximum

$150 to $7,400

Medical Deductible

$0 to $20

Pharmacy Deductible

Three Types of Plans to Choose From

(depending on location and company)

a doctor holding a patients hands

HMO Plans

Get coordinated care from doctors and hospitals in the same network. Out-of-network services are only covered for urgent or emergency care.

a mom, dad, and child smiling into the camera

PPO Plans

Enjoy flexibility in selecting your doctors and hospitals in your plan's network. Out-of-network services are covered, usually at a higher cost.

a woman smiling into her phone

EPO Plans

See in-network specialists without getting a referral first, with monthly premiums that are usually lower than those of PPO plans. Restrictions apply to out-of-network services.

Every Plan Comes With

Free Preventive Care

Your health plan isn’t just there for you when you’re sick. Stay healthy with annual checkups, vaccines, screenings and more — all at no extra cost to you.


From the first day you enroll


All insurance companies offer the same preventive services


Well-woman visits


Free preventive care tailored to every age.

Exclusive Discounts on Even Better Benefits

Every plan in the Silver level has the same comprehensive benefits.

a heart monitor beat inside of a stethescope

Preventive Care

Enjoy free services, like wellness visits and screenings.

a bear with a stethescope on it's shoulders

Pediatric Care

Free vision care and preventive dental care for children.

a clipboard with a shield next to it and a medical cross inside of the shield

Follow-Up Care

Ensure you’re on the path back to good health.

a person with a stethescope around their shoulders

Doctor Visits

No surprises: set prices every time you visit the doctor.

an ambulance

Emergency Services

Care when you need it most — that you won’t go into debt over.

a pill bottle with a pill next to it


Silvers 70 and 73 have low drug deductibles; Silvers 87 and 94 have none.

Frequently asked questions about Covered CA

Is Silver right for me?

Silver plans have moderate monthly costs, and when you receive care, your costs will also fall somewhere in the middle. They are a good fit for people who are moderate users of health services. While Silver plans are a great value for many people, if you’re a heavy medical user, you may consider a Gold or Platinum plan instead.

Free preventive services in all Silver plans include annual checkups, certain screenings, immunizations, prenatal care, children’s vision care and preventive and diagnostic children’s dental care.

What are copays, deductibles and coinsurance?

Copays are the set amount you pay for a covered health care service. For a Silver 94 plan, a doctor visit costs $5.

Deductible is the name for the amount of money you have to pay in one year before your plan starts to pick up the costs for certain services. Many services aren’t subject to a deductible. For Silver 94, that amount for medical services is $75 for an individual and $150 for a family. There is no deductible for prescriptions or dental care.

Coinsurance is your share of costs for a covered health care service. It’s calculated as a percentage. For example, under a Silver 94 plan, you would pay 10 percent of the total cost of a wheelchair or oxygen tank after meeting your deductible, and your plan would pay for the remaining 90 percent.

What if I want to schedule a Wellness Checkup?

Be sure the doctor or provider you want to see is participating in your health plan network. If you visit the provider before you receive your membership ID card, you may be asked to sign a statement agreeing to pay for the services if you can’t prove you have health insurance.

The provider may later send you a bill for the care. By the time you get a bill or claim from your provider, you will most likely already be entered into your health insurance company’s system. Once you have your membership ID card, simply contact your provider, provide them your membership ID card number and ask to have the bill resubmitted directly to your health insurance company.

Do I need to select a Primary Care Doctor?

Your plan may require you to have a primary care clinician. Your primary care clinician will help you navigate the health care system when you need assistance with specialty care, coordinating your care with other providers and helping you understand your treatment options. You can change your primary care clinician at any time.

What if I need to change my health insurance while getting treatment?

If your new health insurance does not work with your doctor, but you are getting treatment for a serious condition, call your new health insurance company to let them know about your treatment. Depending on what illness or condition you are receiving treatment for, your new health insurance company may be able to work with your current doctor while you finish treatment. Be sure to tell your current doctor that you have new health insurance.

How do I get prescriptions filled?

For questions about medications and getting your prescriptions filled, the first step is to contact your health insurance company to see if it has received your first payment and can issue you a membership ID card or a plan identification number. Ask which pharmacies you can use in order to get the pharmacy benefits of your health insurance plan.

What should I do if my income changes?

When the information that you put on your application changes during the year, you must report it. Changes to things like your address, family size and income can affect whether you qualify for Medi-Cal or get help paying for your health insurance through Covered California.

People with Medi-Cal must report changes to their local county office within 10 days of the change. If you have health insurance through Covered California, you must report changes within 30 days.

How do I make sure my preventative care is free?

Preventive care doctor visits are free, but if you bring up a health concern during the appointment, the visit may turn into a traditional doctor visit. That means you would have to pay a copay. The same could go for any tests that lead to more treatment or follow-up visits.

When can I start using services?

Services covered by your health insurance plan are ready to be used starting the next month after you make your first payment, even before your membership ID card has arrived.

Put a little Joy in your insurance experience.

Joy Olivier Insurance Agency Inc. has been helping Californians find the right health insurance. We love what we do and it shows. Come see why California is switching to Joy.

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