Health care is hard enough, picking a plan shouldn't have to be confusing.
Here are some questions to think about:
If so, you may want to consider buying a higher premium (monthly cost) plan that will cover more of the costs of your health care needs as they arise throughout the year. A higher premium plan also has lower deductibles.
If so, you may be able to buy a plan with better cost sharing when you receive care. It is important that you have the assurance of accessing your own doctors or choosing from a strong network of providers. You may also want to take advantage of your financial assistance to buy a higher level plan so you will have a lower annual deductible and lower out-of-pocket expenses.
If you prefer to limit
your expenses in the future, you should buy a higher metal level plan (the
highest is Platinum). If you prefer to limit your monthly premium expense now
and plan for health care costs as they arise later, then you should opt for a
lower metal level plan (the lowest is Bronze). Remember that you must select
the Silver plan to access cost sharing government subsidies if your income
level qualifies you. For those who qualify (you must be under 30 or have a
government certified hardship exemption), you may choose to buy the
Catastrophic plan, but the coverage included in this plan is much more limited.
Please be sure to review the Summary of Benefits and Coverage document. The
Catastrophic plan does not have a metal level label.
The network of providers and
pharmacies is a big part of what drives the price you are paying for coverage
between one insurer and another insurer. However, be assured that all Affinity
metal level plans have access to the same Affinity provider and pharmacy
networks. If you want to ensure that your doctors and preferred hospitals and
pharmacies are available to you and you want to have peace of mind that you will
have good provider choices when you need it, then check out our Provider Directory to see who is available
All Affinity Essential plans cover preventive health care services such as
vaccinations, screenings, and preventative care check-ups. These are available
to you at no additional out-of-pocket cost once you have purchased coverage.
Please be sure to review the Summary of Benefits and Coverage document for the
plan you want to purchase.
This Treatment Cost Calculator will help you better understand the potential costs of obtaining health care services when you need treatment. In English | En Español
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