Healthcare insurance is confusing. With so many different plans and providers, it’s difficult to find an option that works for your needs.
It doesn’t have to be this way. There is a plan for everyone. We offer a range of plans, with no monthly maximums, relationships with top hospitals and doctors, and free online tools to help you keep track of your benefits.
Whether you need a complete plan or just life-saving emergency coverage, we’re here to help! Our wide range of plans and helpful tools can give you the coverage you deserve at a price point that fits your budget.
How Health Insurance Covers Expenses
Deductible
Your deductible is the amount you pay each year before your plan pays for covered services. The deductible does not apply to preventive services provided by a doctor within your plan’s network, which are covered regardless of the deductible.
Coinsurance
After you reach your deductible, coinsurance is the percentage you pay for covered healthcare services. As an example, if a service costs $100 and your coinsurance is 20%, you’ll pay $20 after you’ve met your deductible.
Copays
When you visit an in-network healthcare provider, you pay a copay (usually $10 or $20). You may be charged differently depending on who you see (primary care or specialist) or what services you receive (such as medications, labs, and diagnostic tests).
Out-Of-Pocket Maximum
The maximum amount you will have to pay for covered healthcare services during the coverage year. Your plan pays 100% of covered benefits if you reach the out-of-pocket maximum.
Benefits Of Becoming An Anthem Member
- Doctors In Your Plan’s Network
- Earn Rewards For Healthy Habits
- Access to Preventive Care
- Pharmacy Coverage
- Virtual Care
DISCLAIMER: Please review policy eligibility and exclusions prior to purchasing coverage.
Bronze health insurance plans feature low monthly payments with higher deductibles. These plans are best for individuals or couples who have few doctor visits and only need or want coverage for medical emergencies.
Monthly Payment
The amount you pay each year before your plan starts to pay for covered services. This does not include costs for preventive services, which are covered regardless of the deducible when provided by a doctor in your plan network.
Deductible
The amount you pay each year before your plan starts to pay for covered services. This does not include costs for preventive services, which are covered regardless of the deducible when provided by a doctor in your plan network.
Silver health insurance plans have average monthly payments but lower deductibles than the bronze level. These plans are ideal for individuals and smaller families with average healthcare needs. Silver plans also offer certain cost reductions for those who qualify.
Monthly Payment
The amount you pay to your health insurance company each month for your health plan. If you have health coverage through your place of work, your employer may share the cost of your premium.
Deductible
The amount you pay each year before your plan starts to pay for covered services. This does not include costs for preventive services, which are covered regardless of the deducible when provided by a doctor in your plan network.
Gold health insurance plans have higher monthly payments but even lower deductibles than silver plans. They are best for individuals or families with regular, ongoing healthcare needs. Gold plans cover most routine healthcare costs.
Monthly Payment
The amount you pay to your health insurance company each month for your health plan. If you have health coverage through your place of work, your employer may share the cost of your premium.
Deductible
The amount you pay each year before your plan starts to pay for covered services. This does not include costs for preventive services, which are covered regardless of the deducible when provided by a doctor in your plan network.
