Business Details
13 Years
experience
Your Trusted Covered California Insurance Agency
Cover Health CA is a certified Covered California insurance agency dedicated to helping California residents navigate health insurance options. Since 2013, we have provided free, expert guidance to individuals, families, and small businesses seeking affordable coverage through Covered California. Our team specializes in subsidy calculations, plan comparisons, and enrollment assistance, ensuring clients maximize savings and select plans tailored to their needs.We maintain partnerships with major carriers like Blue Shield of California, Kaiser Permanente, and Health Net, while offering ongoing support for claims and coverage changes. Our services are fully compliant with state and federal regulations, and we operate with transparency, charging no fees or markups. With licensed enrollment counselors serving all 58 California counties, we combine local expertise with comprehensive resources to simplify health insurance access.
Services
Health Insurance Plans
Subsidy Calculations
Provider Network Search
Enrollment Assistance
Medicare Plan Comparisons
Dental Coverage Options
Vision Insurance Plans
Special Enrollment Support
Carrier Network Verification
Affordable Care Act Compliance
Details
- Year established: 2013
Highlights and features
- We offer 100% free services with no hidden fees or markups
- Our agency is officially certified by Covered California
- We provide personalized plan recommendations based on your needs
- Our team has over a decade of experience in health insurance
- We offer ongoing support throughout your coverage period
Associations and certifications
- Covered California
Services
Health Insurance Plans
We help California residents compare and enroll in health insurance plans through Covered California. Our services include analyzing Bronze, Silver, Gold, and Platinum tier options to find the right balance of premiums and out-of-pocket costs. We ensure clients understand network coverage and prescription drug benefits before enrollment.
Subsidy Calculations
Our advanced subsidy calculator helps determine eligibility for premium tax credits and cost-sharing reductions. We assist households earning 138-600% of the Federal Poverty Level to maximize savings. Our certified agents verify income documentation and apply subsidies directly during enrollment.
Enrollment Assistance
We guide clients through the complete enrollment process for Covered California and Medicare plans. Our team handles special enrollment applications for life events like marriage or job loss. We verify eligibility, complete applications accurately, and ensure timely submission during open enrollment periods.
Provider Network Search
We help confirm that preferred doctors and hospitals are in-network before enrollment. Our tools compare provider networks across carriers like Kaiser Permanente and Blue Shield of California. We ensure continuity of care by verifying specialist availability in clients' geographic areas.
Medicare Plans
We specialize in Medicare Advantage, Medigap, and Part D prescription drug plans. Our agents compare all available options during annual enrollment periods. We help seniors evaluate coverage gaps in Original Medicare and select supplemental plans that meet their specific healthcare needs.
Questions
What is Covered California?
Covered California is the state's official health insurance marketplace where residents can compare and purchase ACA-compliant plans with potential subsidies.
How do subsidies work?
Premium tax credits lower monthly payments for households earning 138-600% of the Federal Poverty Level through the American Rescue Plan.
Can I enroll outside open enrollment?
Special enrollment requires qualifying life events like marriage, birth, or job loss documentation to qualify for coverage changes.
What plan types are available?
We offer Bronze, Silver, Gold, and Platinum tier plans with varying premiums, deductibles, and out-of-pocket costs to meet different needs.
Is your service really free?
Yes, we receive compensation from insurance carriers so you pay the same price whether you enroll through us or directly.
Do you help with Medicare plans?
Yes, we provide free assistance with Medicare Advantage, Medigap, and Part D prescription drug plan comparisons and enrollment.
Reviews (6)
Lou C.
Jan 11, 2022
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Karim was awesome! He helped me get the best coverage available. He was kind, knowledgeable, and thorough. I would recommend his services for anyone in need!
Chelsea E.
Oct 04, 2021
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Call Karim Hemani. NOW! You will be SO glad you did. He is caring, knowledgeable, cheerful and extremely helpful!!! He took the confusion and stress out of the 'health care' maze/process. I only wish I had found him sooner and saved myself earlier challenges. I will gladly and wholeheartedly refer anyone seeking health coverage via Covered CA to Karim Hemani.
Binny M.
Sep 01, 2021
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Karim is by far the best agent I've ever worked with. He is thorough, kind, and extremely knowledgeable! Our previous agent did not seem to care about our needs and did not give us all of our options. Karim explained to us that me, my wife, and the kid could all have our own health coverage so we could go to our preferred hospital. Not only that, he made sure we received our credits, thus reducing our expenses even further. Thank you so much for helping us!
I. M.
Jun 23, 2021
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This is definitely a 5 star review and here's why. I was having trouble with the coveredCA website -- I think it was glitching because I had an outstanding profile like 5 years old-- simultaneously I was looking up all kinds of plans and had resigned myself to a platinum HMO for great healthcare (although it looked overpriced and not that great-- every review I found of every plan made the plans sound lousy!)
Eventually I realized I needed a person to help me with the website and I found Karim and it was a total godsend because a) he walked me through things easily and clearly and b) he
Eventually I realized I needed a person to help me with the website and I found Karim and it was a total godsend because a) he walked me through things easily and clearly and b) he
Sophie W.
May 29, 2021
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This is an overdue review. Karim helped me with my mom's application back in March. When I called the Covered California service number, no one answered, and I hung up without leaving a voice message. About 1 hour later, Karim called me back! He was very responsive and always there to help. He spent time explaining the basics to me as I'm new to Covered California and gave me very helpful advice. After hearing about my mom's situation, although my mom turned out to be qualified for Medi-Cal instead, he helped me to complete my mom's online application within half an hour! He
Peter B.
May 05, 2021
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Starting completely from scratch with no knowledge of traversing the insurance hell, Karim Hemani was very friendly and made everything from getting health/dental insurance a breeze . Highly recommend his assistance!
