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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.
An accident can leave your head spinning, no matter how minor it is. The actions that you take in the moments following a collision are important for ensuring that the situation is resolved as quickly and as soon as possible. In some cases, filing a police report is an essential part of settling a claim, especially if you or the other driver will be seeking compensation for damage to a vehicle.
You may assume that since you have a preexisting condition, you’ll pay a higher premium than someone who is in perfect health. However, an insurer cannot reject you, refuse to pay for health benefits pertaining to your illness or injury, or charge you a higher premium because of your condition.
Debunking Common Auto Insurance Myths. The auto insurance industry can be confusing, and a lot of misinformation gets passed around. Not only can this make it difficult to understand your insurance coverage, but it can also end up costing you money.
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Late last year, Friday Health Plans announced that it was expanding to Nevada and would sell policies on Nevada Health Link, the state’s online Marketplace. These plans may be a good fit for you if you are working within a budget and really like the flexibility of seeing a specialist without having to get a referral from a primary doctor.
Whether your summer style is to lounge by the pool and stay in the air conditioning or to take advantage of warm temperatures and sunny skies with cookouts, hikes and camping trips, healthy habits are the key to getting the most of your summer.
The American Rescue Plan Act provided direct relief to working Americans to help the country recover from the economic effects of COVID-19. It included a wide range of benefits for the individuals who met the income qualifications, including direct checks, extended unemployment insurance and support for small businesses.
If you have recently signed up for dental insurance, you may notice that your plan has a waiting period. Understanding what services are covered right away and what services you must pay for entirely out of pocket can help you make informed decisions about getting necessary work done.