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Glossary

Affordable Care Act

Often referred to as “Obamacare,” the federal Patient Protection and Affordable Care Act is a law that was created to increase access to health care coverage in the United States. Passed in 2010, the law also improves the quality and decreases the cost of health care services.

Affordable Insurance Exchange

An online market, or “Marketplace,” where you can buy affordable health insurance. Called Covered California in our state, the Affordable Insurance Exchange will cause health plans to compete to offer you lower prices. Covered California will offer different levels of health insurance at different prices.

Annual Household Income

The total amount of money a family earns in a calendar year.

Covered California™

The health insurance marketplace in California where people can get high-quality, affordable health coverage.

Family PACT

California’s Family Planned, Access, Care, and Treatment program that provides family planning and reproductive health services.

Health Insurance

A contract that means an insurance company will pay part or all of your health care costs and you will pay smaller fees. Health insurance protects you from having to pay much higher fees if you have a more severe medical condition, accident, or injury.

Health Insurance Marketplace

Also called the “Affordable Insurance Exchange,” the health insurance marketplace (called Covered California in our state) is an online market where you can buy affordable health insurance. Covered California will cause health plans to compete to offer you lower prices. It will also offer different levels of health insurance at different prices.

Medicaid Expansion

A program that provides free health care services for adults and children with low incomes. It is called “Medi-Cal” in the state of California, and was expanded in 2014 to cover more Californians. The Orange County Social Services Agency decides who can get Medicaid/Medi-Cal in Orange County.

Medi-Cal

The State of California’s Medicaid health care program, which provides free health care services for adults and children with low incomes. The Orange County Social Services Agency decides who can get Medi-Cal/Medicaid in Orange County.

Open Enrollment

A certain time period during which people can choose new health insurance coverage or make changes to health coverage they already have. In 2016, open enrollment will be from November 1, 2015 to January 31, 2016.

Pre-existing Condition

An illness or health condition a person has before applying for health insurance.

Premium

The amount of money a person pays for health insurance. It is usually paid monthly, every three months, or yearly.

Primary Care

Basic health care services for common health conditions. Some examples of common health conditions treated include: allergies, high blood pressure, and minor skin conditions.

Primary Care Doctor/Primary Care Provider

The doctor you see for common health conditions. Also called a “PCP,” this is often the first doctor a person sees for health concerns. Some health insurance plans require you to choose a primary care doctor who will be your main doctor for the length of your insurance plan or until you choose a different doctor.

Subsidy

Cost-cutting methods to lower the cost of monthly and out-of-pocket payments for health care coverage bought through the Affordable Insurance Exchange.

Tax Credit

As of 2014, one of the largest cost-saving programs to help people pay health insurance costs.

 

Information gathered from Covered California’s website, ‘FOR INDIVIDUALS AND FAMILIES’