1445 Victor Avenue Suite B Redding, CA 96003 | mike@northstateinsurance.com
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Mike Littau
Owner, North State Insurance
Mike Littau has worked in the insurance field since 2001, building one of the largest insurance agencies in Northern California. People have learned to know and trust Mike Littau’s office for their commitment to excellent service and being there during a crisis. People know Mike Littau in the community for being available in the evenings and weekends, as he finds great pride and joy in being available. When Mike Littau is not available, he is likely on the soccer field coaching kids and investing time and energy back in the community he loves. It’s the relationships with the customers that sets Mike Littau’s office apart from other insurance offices.
Coverage Basics
It can be overwhelming to select a health insurance plan from the many options available. Before getting started, it is important to understand the big changes that have happened in health insurance recently:
Coverage Levels
Most health insurance newly sold to individuals and small businesses must now be classified as one of four levels of coverage: Bronze, Silver, Gold or Platinum. In addition to those four levels of coverage, a minimum coverage plan is available to those who are younger than 30 or can provide certification that they are without affordable coverage or are experiencing hardship.
Dental Coverage
All Covered California health insurance plans offer embedded pediatric dental coverage. This means that dental insurance for children is included in the price of all health plans purchased in the exchange. In addition, Covered California now offers supplemental dental coverage for adults, through optional family dental plans.
Essential Health Benefits
All health insurance plans offered in the individual and small-group markets must provide a comprehensive package of items and services, known as essential health benefits. These benefits fit into 10 categories, and include services like prescription drugs, mental health care, and emergency services.
Vision Coverage
Covered California offers consumers a pathway to quality vision care. Vision care benefits for children are included in all health plans purchased through the exchange. Vision care for adults is not offered in Covered California health plans, but Covered California works with certain vision insurance companies to offer vision coverage directly to consumers.
Take care of your family
Covered California is a free service that connects Californians with brand-name health insurance under the Patient Protection and Affordable Care Act. It’s the only place where you can get financial help when you buy health insurance from well-known companies. That means when you apply, you may qualify for a discount on a health plan through Covered California, or get health insurance through the state’s Medi-Cal program. Either way, you’ll have great health coverage.
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