I have heard over and over how these new metal-level plans don't work or pay any price. But in fact, it's not. The reality is that most people don't fully understand how these programs work. Based on new affordable care laws; in general, all programs are based on these three criteria; age, geographic location, and ability to pay; in some states, tobacco is considered when it comes to your premium amount.
All levels of Bronze, Silver, Gold, Platinum and Catastrophic programs have the same 10 basic health benefits as each program must have; they have only different deductibles, co-insurance and co-payments. The way to explain the level plan is: the bronze plan applies to healthy people, going to the health care provider once or twice a year, and these people should have the money to buy a higher deductible.
The Silver Plan is for those seeking medical care; three to four times a year; the Gold or Platinum program is for people who are unhealthy and have chronic illnesses who need to see a doctor at least once a year or even earlier, and they There is enough money to pay for a higher monthly premium. This is just an overview of what you should consider when choosing a plan.
A catastrophic plan is for individuals under the age of 30, or has financial hardship at any given moment of the year, and can clearly show why he or she cannot afford health insurance. Such plans have high deductibles; if affordability is a problem, why do you have such a high deductible first? Choose a plan that meets your own and your family's overall health and budget needs.
Some people think that because he or she has a gold or platinum level plan, they will have better benefits; this is not the case, remember, as mentioned in the second paragraph, each plan has only different deductibles, common Insurance and co-payments, if you choose to have a higher deductible, you take more risk at the beginning, pay most of the care until you reach the deductible; your promotion will be lower. If you choose a lower deductible, your premium will be higher because you are interested in insurance companies and can start paying claims faster.
My previous article related to financial responsibility, if you are unable to get assistance because of too much income. There are ways to plan through cracks, so this new health care law can benefit economically. We suffer as a nation because of a lack of knowledge, and we do not allow others with certain expertise to intervene on our behalf in order to do better in our health and financial situation.
Encourage and connect with others who focus on other areas when you need it; part of your team should include but is not limited to: a good business lawyer, a health care provider when needed, an insurance agent and an accountant To help you understand the new era of healthcare reform.
Always remember; insurance is in place when you need it, not if you need it. A better understanding of this and will not die.
Orignal From: Master how the health plan works
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