You Pay: 10% A Little More To Think About Hospital: $250 per day up to 5 days (HMO) In comparing other metal plans ask yourself, “Does the premium justify the amount of times I would use the coverage?” If not, it may be to your interest to take a little more risk, pay less for either a Silver or Gold plan, and put the premium savings to use by saving it for unexpected events that may require a little extra money up front. So keep this in mind as you plan.įor other people it is enough that the Platinum level of coverage offers peace of mind that you just can’t put a price tag on.
The open enrollment typically takes place at the end of the calendar year and lasts 1-2 months. Once you utilize the plan for your coverage needs, you can always switch to another level of coverage if desired, during the next year’s open enrollment. This plan may also be a good fit if you have a planned event, such as having a baby or if you know you will need a particular surgery or procedure that will be expensive. You have health needs that require a lot of services.You don’t want a deductible, and you want the lowest out-of-pocket maximum in the event of a worst case scenario.
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To compare your previous plan to this one, feel free to contact our agency so we can compare apples to apples for you. If you want benefits similar to what you had through an employer. The only exception to this would be if you qualify for the Silver 87 or Silver 94 plans. This is the best of any plan offered on the Covered California Exchange. And to top it off, if the worst should happen, the most you would have to pay in a year for covered services would be $4,500 for an individual or $9,000 for a family. This plan features an attractive $0 deductible with minimal copays of $15-$30 for common services. in exchange for a higher premium per month. The Platinum plan offers a much smaller out of pocket expense when it comes time for doctor’s visits, labs, prescriptions, etc. Think the “Rolls-Royce” of the Covered California Metal Plan Portfolio.
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