Eligibility check
Four questions. No personal information.
This is a rough guide, not a decision. It points you at the program most likely to fit, and then a person checks it properly with you.
Medicare, and the choices inside it
At 65 or older, Medicare is usually the starting point — but the parts, the drug coverage, and the supplement choices are where people get lost. We walk through it with you before anything is signed.
Enrollment windows and late penalties- Prescription (Part D) coverage for your medications
- Whether a supplement or an Advantage plan fits your doctors
Free or very low-cost coverage
Based on what you told us, there's a strong chance the household qualifies for no-cost or very low-cost coverage. Many California programs cover people regardless of immigration status.
- We check eligibility for every household member separately
- Kids and pregnant members often qualify when adults don't
- We handle the application and the renewal reminders
A marketplace plan with financial help
At this income level most households qualify for monthly financial help toward a private plan. The trick is picking one that actually includes your doctors and your prescriptions.
- We compare plans by your doctors, not by the headline price
- We check your medications against each plan's drug list
- We explain deductibles before you commit
Let's make the plan you already have work
You're covered — the problem is the plan, not the paperwork. We help you get into your portal, read your benefits, and find doctors who take your card.
- Portal and ID card access
- In-network doctors and clinics near you
- Prescription coverage and prior authorizations
Coverage that doesn't need a permanent address
Staying in a shelter or transitional housing does not disqualify you. We work directly with shelter staff and can meet you where you're staying.
- No permanent address required to apply
- We coordinate with your case worker if you want
- Immediate referrals to community clinics while the application processes
This is an estimate for orientation only, not an eligibility determination. Final eligibility is decided by the program or carrier. Cielo Assurance is not affiliated with any government agency.