How to Choose a Health Insurance Plan

CHOOSING YOUR OWN HEALTH INSURANCE HERE'S WHAT YOU NEED TO KNOW! VILAGE Insurance ALL PLANS INCLUDE ACCESS TO THE SAME SERVICES Essential Health Benefits Ambulatory patient services Emergency services • Hospitalization Maternity and newborn care Mental health and substance use What do I get? disorder services including behavioral health services • Prescription drugs Rehabilitative and habitative services and devices • Laboratory services Preventive and wellness services and chronic disease management • Pediatric services including oral and vision care PAY LESS OUT-OF-POCKET FOR COVERED SERVICES BY PAYING A HIGHER MONTHLY BILL (A.K.A PREMIUM) Medical plans have been organized into five levels. The level you choose determines the portion of the medical bills you pay vs. what the health insurance compoany pays. Platinum Silver Bronze 24 Your Premium You Pay 90% 80% How much will I pay 70% Insurance 60% Company Pays <60% * You're eligible for a catastropic plan if everyone covered by the plan is under 30 or you qualify because of a financial hardship. How Your Medical Expenses Get Paid You and your insurance company share the cost of your care until you meet your out-of-pocket maximum. Regardless of the amount of care you receive, your monthly premium will need to be paid. VILLAGE Insurance Coinsurance (You and your insurance company pay a percentage) Deductible (You pay 100%) Insurance Copays (You pay a flat fee for a service) (Pays 100%) Portion of medical costs you are Portion of medical costs your insurance company responsible for until your limits are met will then be responsible for after your limits are met Gold Catastrophic* %24 OUT-OF-POCKET MAX