Buying health insurance probably isn’t among the more exciting purchases you’ll ever make. But like it or not, it’s one of the most important. So, we want to help you get it right.
Here are a few things you need to know:
Learn more about how to estimate what you’ll need and how to tally how much you’ll pay here.
Understand more about plan types and what they offer here. And see more about Community Health Options’ network here.
That is, Bronze levels have the lowest monthly premiums but the highest deductibles, while Silver, Gold and Platinum levels cost more up front, but have lower deductibles. It might seem as if Bronze is the way to go if you want to save money, but that’s not necessarily true. Depending on your income, you may be eligible for premium tax credits or cost-sharing reductions. And if you’re 30 years old or younger. you can buy a simple Catastrophic plan.
Learn more about those levels here and how to determine whether you might be eligible to save money on higher levels than you think you can afford.
Here’s a crash course on the words you’ll see over and over again as you choose your health plan.
Want to talk with someone about which plan to choose for you and your family? Call us at (855) 624-6463 from 8 a.m. to 6 p.m., Monday through Friday, or email us and we’ll get back to you.
Follow @communityhealthoptions on TikTok for quick tips and tricks on how to buy and use a health plan. And don’t forget to follow Community Health Options on LinkedIn, Facebook or Instagram.
Earlier this year, a Community Health Options Member gave birth to a premature baby. Thankfully, the newborn received the best possible care at a big city hospital, but Mom and Dad lived two hours away with two more children to care for, putting incredible strain on the whole family, on top of having a new baby with complex medical needs.
Our care managers began looking for a solution to end the family’s four-hour commute. Once the baby was stabilized and doing well, we worked with the family, the hospital and their pediatrician to move the newborn closer to home, transferring his care to the same pediatrician who would hopefully care for him the rest of his long and healthy childhood.