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Get To Know The Affordable Care Act Coverage Levels

Posted on: February 14, 2014 By: Kevin Tavakoli

Under the Affordable Care Act, health insurance plans come in four different levels. Coverage and range of benefits vary by level. However, the ACA requires that each level covers the same basic health benefits for everyone.

The bronze level, which is the lowest, offers coverage for 60 percent of health care costs. This level also has the lowest monthly premium cost.

The silver levels covers 70 percent of health care costs.

The gold level increases coverage to 80 percent of health care costs.

The platinum level, which is the highest, covers 90 percent of health care costs. As the highest level available, this one also has the highest monthly premium.

With each of these levels, the leftover percentage of costs is left to the enrollee to pay. As you move up a level, your cost-sharing percentage lowers but your monthly premium rises.

For more information on insurance coverage levels under the Affordable Care Act in the greater Los Angeles, California area, contact Save-On Health Insurance Services today.

What Are the Different Coverage Levels for Covered California?

Posted on: December 2, 2013 By: Kevin Tavakoli

With so much talk going on about the Affordable Care Act, it can get a bit confusing deciphering what is actually available to California residents. Here are a few key pieces of information you need to know.

– Covered California is the state’s health insurance exchange program.

– There are three levels of coverage available from Covered California: Catastrophic, Bronze, and Silver.

– Catastrophic coverage is available only to persons under age thirty. It covers major hospital stays due to accident and/or illness.

– Bronze level offers preventative care and still keep premiums very affordable.

– Silver level is the highest level available and includes the maximum amount of coverage, including preventative care and catastrophic coverage.

While the exact conditions and medical services for these plans vary, it is important to weigh the benefits and drawbacks of each to determine which plan is right for you and your family. For more information on Los Angeles, California area health insurance, please contact Save-On Health Insurance Services, Inc. today.