Determining which health insurance plan is best for you is as simple as understanding the amount of flexibility you want, whether you want to pay more up front for coverage, if you qualify for financial assistance, if your provider is in our network, the costs of your prescription drugs, and whether you have a chronic illness.
The amount that must be paid for your health insurance plan. You and/or your employer usually pay it monthly, quarterly, or yearly.
The amount you owe for healthcare services your health insurance plan covers before your plan begins to pay.
The maximum amount that you have to pay each year before the plan pays for all covered services.
We offer both HMO and PPO plans. Both plans require you to select a Primary Care Provider from our network. HMO plans generally come with lower premiums but are more restrictive. PPO plans offer you greater flexibility but the premiums are higher.
If your household falls within the income ranges shown in this chart, you may be eligible for Advance Premium Tax Credits and other cost-sharing reductions that lower your out-of-pocket costs for healthcare services. Financial assistance is determined by the Federal Government through Healthcare.gov, not by Community Health Options.
You may qualify for financial assistance if:
For 2020, your household income is between $17,236 and $49,960.
For 2020, your household income is between $23,336 and $67,460.
For 2020, your household income is between $29,435 and $85,320.
For 2020, your household income is between $35,535 and $103,000.
For 2020, your household income is between $41,635 and $120,680.
For 2020, your household income is between $47,734 and $138,360.
For 2020, your household income is between $53,834 and $156,040.
For 2020, your household income is between $59,933 and $173,720.
Understanding whether your doctor is in-network is important as it will impact the cost of your visit. Our tool helps you see whether a provider is covered by your plan.
Find out if your medication is covered and to what extent. We'll also show you alternatives and whether there are requirements or limits on coverage.
Our CISP Program reduces financial barriers (copays, deductibles, coinsurance) for select services for Members with certain chronic conditions. You will pay less for out-of-pocket medical and pharmacy services for these conditions.
Do you still need help choosing a plan? People and groups in the community can help you with the application process and with selecting and enrolling in a plan.
Our online comparison tool will help you choose health insurance coverage, determine if you are eligible for Advanced Premium Tax Credits, and find the plan that is best for you and your family. To choose and enroll, click the button below.