OBAMACARE COVERED CALIFORNIA

Healthcare in America is constantly changing and the highly experienced team at Ultra Care Concepts wants to make sure you are fully aware and knowledgeable about the best coverage for you, your family and your employees. The Patient Protection and Affordable Care Act (PPACA), aka Obamacare, was signed into law by President Barack Obama on March 23, 2010. As of October 1, 2014, open enrolments will begin with effective dates January 1, 2014. Larry D. Brown, with over 30 years as an insurance professional, is able to help guide you through the maze of affordable Health Insurance as it has become more complex than ever before. However, NOT TO WORRY there are still Tax credits for qualifying businesses, along with tax credits and subsidies available for individuals through the California health insurance exchanges, called "Covered California".

Health Insurance is a necessity and starting in January 2014 there will be a federal mandate policy ensuring those to meet a minimum coverage requirement and penalties to all those who do not have active coverage. This coverage can include, but is not limited to, MediCal, Medicare, employer-provided insurance or coverage you can purchase on your own. Coverage purchased on your own can either be provided through California's regular health insurance market or through the exchanges "Covered California".

Ultra Care Concepts provides to customers from San Diego to Los Angeles, San Francisco inland to Merced and/or North Sacramento to Redlands or Eureka. In other words Health Insurance in California is our specialty. Our company can serve your health, dental, vision and life insurance needs. To all those including small businesses, individuals even family coverage’s, we are here to serve you! The biggest news is that no one can be declined coverage for pre-existing medical conditions! Everyone qualifies for coverage and Ultra Care Concepts is here to assist you.

More about Covered California, this is the state of California’s health insurance exchange and will be the primary individual health insurance marketplace starting in 2014 for those qualifying for subsidies. Those who are not qualifying will continue to buy their coverage in the open market; again, the big difference is you cannot be declined for prior health issues in either market. These subsidies are based on individual and/or family income levels. Eligibility and subsidies amounts are determined by income from 133% to 400% of the federal poverty level on a sliding scale. Allow us to help you navigate THE PLANS for all: California businesses, individuals and families.

The plans in Covered California will be divided into several categories called "The Medal Plans": PLATINUM, GOLD, SILVER & BRONZE.

The percentage of expenses paid by the health plan is as followed: PLATINUM 90%, GOLD 80%, SILVER 70% & BRONZE 60%. This combines the cost to the policy holder of deductibles, co-pays, co-insurance and other costs. The percentage of expenses on average, are paid by the carrier based on an ACA formula. The patient’s portion, represented by PLATINUM 10%, GOLD 20%, Silver 30% & BRONZE 40%, uses an averaging formula developed under ACA.

In California, if your health insurance coverage is currently provided by your employer, meets federal minimal coverage levels and is affordable, you do not need to change anything.

Under ACA, being affordable in the group market is defined as your premium no more than 9.5% of your annual income.

President and founder of Ultra Care Concepts, Inc. and licensed broker of over 30 years, Larry D. Brown himself has established partnership enrolment offices based in San Diego, Orange County, Riverside, San Bernardino, Los Angeles, Ventura, Fresno, San Francisco and the Sacramento area providing premium information, benefits, enrolment materials and guidance to all Californians.

As a resident in California, if you have any further questions in regards to your health insurance necessities, feel free to give us a call, and with open arms, we will ensure you get the best answers and information available.


Health insurance is a necessity in today‘s uncertain world. We need it to protect ourselves and our families. Unfortunately, with so many choices and even more requirements, it can be confusing and even intimidating when you’re not sure what you‘re looking for. For many people, insurance is overwhelming and it’s almost impossible to know where to begin. Ultra Care Concepts Health Insurance Agency can help you find the best individual or group health insurance plan by taking the uncertainty out of shopping for insurance.

Whether you are a recent college graduate looking for an inexpensive individual health insurance Laguna Niguel or a business owner looking into group health insurance Mission Viejo for your employees, there is a solution to fit your needs. Need dental health insurance Irvine, but not sure what type of policy you need? That’s no problem either.

Ultra Care Concepts Health Insurance Agency is an insurance brokerage company that provides you with free quotes- both online and in person- for your individual or group health insurance Lake Forest needs. Only major California health insurance carriers such as Anthem Blue Cross, Blue Shield, Blue Cross - Blue Shield are represented and presented to you by highly trained, licensed and bonded insurance advisors. Your questions are our main concern. In fact, advisers can be reached easily by toll free phone, email or fax, making the process super simple and stress free.

As a reputable health insurance brokerage company owned by President Larry Brown, Ultra Care Concepts provides unbiased advice to consumers. This is because the business operates independently of any insurance company and not owned by an insurance company. As a result, customers can be confident that advisers provide only balanced information that is not persuaded by any particular company. The result? You can make well researched, informed decisions regarding your health insurance Orange County needs.

Choosing group health insurance Orange County for your small business has never been easier. Ultra Care Concepts has hundreds of group insurance plans in a statewide database. With this kind of availability, it is possible to find the best, most efficient plan for you and your employees. This includes not only health, but also, dental, life, vision and more.

Choosing life insurance should never be a hassle. In fact, this decision should be made with the utmost confidence that the plan you have chosen is the perfect plan for providing your loved ones the security they need. After all, life insurance is one of the most important decisions you will ever make. Ultra Care Concepts gives you the information you need to make certain that this decision is absolutely the right one. Health insurance in San Clemente is now affordable and accessible for everyone!

Whether you need individual or group health insurance San Juan Capistrano, international medical insurance, small business health insurance Rancho Santa Margarita, dental insurance or Medicare supplements Laguna Hills, Ultra Care Concepts can help. Online or in person, questions are answered by licensed and bonded insurance advisers. Place your trust in Ultra Care Concepts and rest assured that a reputable team of health insurance specialists is working hard to answer your health insurance questions and get you the plan you deserve.

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