As if buying health insurance isn’t hard enough, what with all the confusing lingo, it can be a challenge just to figure out what all those initials stand for in the plan names.
Your guide to coverage & care
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.
It might be tempting to buy a health plan based on the lowest monthly premium, but if you do, you might be surprised at your costs at the end of the year. So, when you compare plan prices, it’s important to estimate your total yearly costs so you can find a plan that meets your needs and budget.
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When you buy health insurance, you can choose from four categories called “metal levels”—Bronze, Silver, Gold or Platinum. These have nothing to do with the quality of care. Instead, the differences are based on how much each plan will pay for covered costs, compared to what you’ll pay.
When a Community Health Options Member gave birth ahead of schedule, the premature 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. Community Health Options helped move them to local care so everyone could be together--at home.