Covered California - Health Care Costs and Getting Help Paying for Coverage
加州全保-醫療費用和獲得醫療保險的費用
Covered California uses the federal poverty level (FPL) to determine eligibility for financial help and programs such as Medi-Cal. These levels, set each year by the federal government, take into account the individual’s annual household income and household size.
涵蓋加州使用聯邦貧窮標線（FPL）來確定是否有資格獲得財務幫助和計劃，例如Medi-Cal。這些級別由聯邦政府每年設定，並考慮了個人的年家庭收入和家庭規模。
Financial Help: Premium Assistance and Cost-Sharing Reductions
財務幫助：高級的協助和減少費用分擔
Covered California offers two main types of help to pay for coverage: premium assistance and cost-sharing subsidies.
• Premium assistance is a tax credit (formally called the Advanced Premium Tax Credit, or APTC) to reduce a person’s monthly premium cost.
• Cost-sharing reductions are subsidies to reduce an individual’s out-of-pocket costs (their copays, coinsurance, deductible, and out-of-pocket maximum).
承保範圍加州提供兩種主要的支付服務費用：保費協助和費用分攤補貼。
加州全保提供兩種主要的支付服務費用：預繳保費稅收抵免和減少費用分擔。
•預繳保費稅收抵免是一種稅收抵免（以前稱為高級保費稅收抵免，簡稱APTC），用於減少一個人每月的保費成本。
•減少費用分擔是對個人自付費用（其共付額，共同保險，自付額和自付費用的最高限額）的補貼。
Medi-Cal and Income Changes
醫療和收入變化
If you have an income that qualifies for a Covered California health plan with premium assistance, and then later your income is lower and you become eligible for Medi-Cal, you will not have to repay the premium assistance you received, as long as you report the income change within 30 days. However, it is your responsibility to report this change to Covered California so that you can get help to switch programs.
如果您的收入有資格獲得高級加州全保的保費補助，但後來您的收入較低，並且有資格獲得Medi-Cal，則只要您回報，就不必償還收到的保費補助，只要您回報收入在30天內有發生變化。但是，您有責任將此更改報告給加州全保，以便您可以獲得轉換程序的幫助。
If you have more questions about insurance, feel free to contact us!
若您有更多關於保險的相關問題，歡迎諮詢！
電話 Phone: 626-912-1988
Email: info@epiagroup.com
文章來源 (Source): https://www.coveredca.com/individuals-and-families/getting-covered/health-care-costs/#
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