Your guide to coverage & care

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. 

Health insurance talk can feel like another language. And even for those of us who are fluent in it, there’s still room for confusion! Read on for a crash course in translating health insurance lingo into language you can better understand.