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From 1/1/2014 on, all individual and family health insurance plans will have these “Metallic” names whether you purchase health insurance “On Exchange” or “Off Exchange”. It gives you an easy-to-understand overview of how the plans will share the payment of your medical bills.
Health insurance companies that sell plans on the Health Insurance Marketplace can offer four types of qualified health insurance plans, including Bronze, Silver, Gold, and Platinum. The plan you choose determines not only the premium you pay but also what portion of your health costs you pay.
To make it easier to shop for coverage, health insurance plans have standardized “metals”. The “metal” plan depends on its actuarial value, or the average percentage of health care costs the plan pays vs what the member pays. The more coverage a plan provides, the higher the monthly premium and the fancier the metal level. Gold is better than Silver. Silver is better than Bronze.
This percentage will not go on forever, there is always an “Out of Pocket Maximum” (this is your pocket, not the insurance company), so you’ll only pay your portion of the expenses until you’ve reached your out-of-pocket maximum.
You’ll want to review your “Summary of Benefits and Coverage” to find out what your deductible is, your co-insurance, your out-of-pocket maximum, along with all of the important details of what your plan covers.
Regardless of the plan you choose, it will provide all 10 essential health care benefits guaranteed to policyholders under the Affordable Care Act. The difference among the plans has to do with how much overall out-of-pocket costs you’ll pay up to your out-of-pocket maximum.
Choosing the right metal tier requires evaluating your budget and assessing current and expected health care needs. Our agents guide you in reviewing the options available across the tiers and help you determine which plan best fits your health needs and budget. We can also help you determine whether you qualify for subsidies to lower your premium.
If you move out of state, you’ll need to get coverage in your new state and need to report your move within 30 days and enroll into a plan within 60 days, but each state rules may vary. When you move, if you have insurance now, it would be considered a qualifying life event.
Vision insurance is supplemental health insurance that covers vision-related care. This includes annual visits and emergency care, along with corrective products such as glasses and contacts.
In most cases, dental insurance pays for routine care such as annual x-rays, cleanings and exams, as well as procedures such as fillings, crowns and bridges. Health insurance pays for damage caused by a trauma to the mouth, such as an injury or accident.
By page visits (this month)
By page visits (this month)
Health Insurance Open Enrollment is Here! Open Enrollment for Obamacare health insurance coverage is from November 1st, through January 15th. If you call after January 15th, you will have missed the time frame to receive a Health Insurance Subsidy and a Qualified Health Insurance Plan.
Regardless of your age, headlights that work well can help you stay safe while driving in the dark. Over time, your headlights may lose their intensity. Replacing worn headlights with new ones can help you see better at night. There are three main types of headlights, each with benefits and drawbacks.
If you spend a lot of time in your car, it can feel like a home away from home. In many cases, it makes sense to leave some items in your car in case of an emergency. On the flip side, some things should never be left in your car, especially when it is hot outside.
The special enrollment period is always within 60 days of a life event. A “Life Event” is an event such as the birth of a baby, losing group coverage through an employer, losing coverage due to a move to Nevada, marriage, any many other scenarios.