Picking A Health Insurance Plan
Picking a health insurance plan can feel like an overwhelming task. There are many different health insurance companies to pick from and most of them offer the same plans. So why are their rates different? What makes one company better than the other? When you work with Bethany Johansing Insurance Services we walk you through the process and will educate on the differences between the plans so that you can rest assured that you enrolled in the best plan for your needs.
Health Insurance Basics
At Bethany Johansing Insurance we specialize in health insurance. If you have a question, we have an answer.
Individual & Family Medicare Solutions Employee Benefits
We walk you through the process and will educate on the differences between the plans so that you can rest assured that you enrolled in the best plan for your needs.
Coverage Levels
There are four levels of coverage offered to consumers since the Affordable Care Act took effect. They are Bronze, Silver, Gold, and Platinum. Each metal level offers different coverage. The higher the metal, the better the coverage that is offered
Bronze- 60% Coverage Level
Silver- 70% Coverage Level
Gold- 80% Coverage Level
Platinum- 90% Coverage Level
Essential Health Benefits
The Affordable Care Act mandated that every new health insurance plan cover the ten essential health benefits. This means that you can rest assured that your health insurance plan will be there to take care of you when you need it most. The ten benefits are:
1. Ambulatory patient services
2. Emergency Services
3. Hospitalization
4. Maternity and Newborn Care
5. Mental health and substance use disorder services, including behavioral health treatment (to comply with federal mental health parity)
6. Prescription Drugs
7. Rehabilitative and Habilitative services and devices
8. Laboratory Services
9. Preventative Care
10. Pediatric Services, including dental and vision care