Community Health Options will soon expand its virtual health services and provide Members access to virtual primary care providers, giving them consistent care when they need it anytime, anywhere. The new service can help make it easier for Members struggling to find a nearby provider accepting new patients, whether they need preventive and routine care or help managing more complex issues.
Firefly Virtual Primary Care, available in January 2024 to Members 18 and older, provides a team comprising of a primary care doctor, nurse practitioner, health guide and behavioral health specialist, who address all aspects of care and can create a personalized plan to tackle specific concerns.
Firefly's primary care is virtual-first. Members can connect with their care team through the Firefly Health app via video appointments or chat, making healthcare swiftly and easily accessible from any location. When Members need a specialist or in-person care, Firefly offers expert support to find local, high-quality in-network specialists and in-person providers, or even providers who come to a Member’s home. Members need reliable cell phone coverage or internet service to use Firefly.
“We’re proud to partner with a robust network of providers in Maine and across New England, yet many of our Members are still challenged to find an available primary care provider,” said Dr. Lori Tishler, chief medical officer of Community Health Options. “We’re delighted to offer this high-quality, convenient option, supporting our Members, as always, with our Maine-based care teams who have on-the-ground knowledge of the local resources so critical to our Members’ overall well-being.”
Learn more here from our news release.
Health insurance metals help people understand the amount of cost sharing that goes on between the plan holder and the insurance company in any given plan. (Need a refresher on how these costs work? Check out our health insurance lingo blog post here!)
Remember that the exact amount of cost sharing can vary from plan to plan. And at each metal level, you’ll pay a different percentage of total yearly costs of your care, while your insurance company will pay the rest. Total costs include premiums, deductibles, and out-of-pocket costs like copayments and coinsurance.
As a rule, the less the insurance company pays in cost sharing, the lower the cost of the plan. So, Bronze plans typically have the lowest monthly premium costs and highest costs when you need care. Monthly premium costs generally increase according to metal levels. Silver, Gold, and Platinum cost more each month in premium payments but will have lowers costs when you need care. While your monthly premium price is often the top consideration when purchasing health insurance, it’s important to consider the deductible and cost sharing as well, since these two factors can impact the total amount of out-of-pocket healthcare costs you might incur in a plan year. The total cost of care is what really matters.
When choosing a plan, you’ll want to think about how much you (and your dependents) are likely to use your insurance coverage. Consider things like how often you see a doctor, what medications you take, and whether you foresee scheduling any elective surgery during the year to come. If you think you’ll use your healthcare plan frequently or have prescription medications you take regularly, you might want to consider a higher metal level that offers lower deductibles and makes your costs easier to predict (like a Gold or Platinum plan). If you don’t expect needing many healthcare services, a lower-premium/higher cost share plan might be a better fit.
One thing that’s important to know is that ALL Community Health Options’ plans in ALL metal categories offer $0 cost share preventive care, including yearly wellness checks. Many plans also offer an array of low-to-no-cost benefits that help offset many healthcare expenses (like wellness visits, prescription benefits, and vaccines), even for people with chronic conditions. All non-HSA plans offer Amwell® urgent care telehealth visits with $0 cost sharing. So, whether you choose Bronze, Silver, Gold or Platinum, you can find a plan that meets your budget and your needs while giving you peace of mind and helping to keep you and your family healthy.
