Carefirst bluechoice hmo silver 3500

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The law's key provisions mandate they:. Be guaranteed issue — You can't be denied coverage or charged more based on factors such as your health history and gender. Cover specified preventive care at no additional cost — These "free" preventive services come in three categories all adults, women, children and include certain screenings, vaccinations, and condition-related counseling. You can't be charged a copay or coinsurance for these preventive services, even if you haven't met your plan's deductible.

While Obamacare plans have to comply with the guidelines mentioned above, they do come in a few different forms to accommodate where you are in life. After all, your healthcare needs will change along with you. For example: As you make career moves, your finances shrink or expand, when you turn 26 and age off your parent's health insurance, if you decide to start a family, or as your health status stays strong or enters periods that require more medical attention. In general, the lower the premium, the higher the deductible, and vice versa.

That means your household budget and typical healthcare needs come into play. Maybe you're relatively healthy and want to keep your monthly premium costs low, then a bronze plan may feel like the right choice. Or perhaps you have ongoing health concerns that require more frequent care and prescription medications, then a gold plan with a lower deductible may feel more comfortable. There are also catastrophic plans, which are available to individuals under 30 or those who have a hardship or affordability exemption, regardless of age.

They don't qualify for ACA subsidies, though. That means you may want to consider a plan in one of the metal categories if you're eligible for a subsidy—your premium and deductible could potentially be less. ACA health insurance plans are categorized into what are known as the metal levels according to their actuarial values.

On average, it works out as follows:. When is open enrollment for Obamacare health insurance? What are special enrollment periods? Click or call to find plans in your area. We are a licensed insurance agency and provide information on insurance products. For some products, if you choose to obtain a quote or apply for an insurance plan, you may be transferred to a partner website to complete your request.

Always review the privacy and terms of use of the partner website. The health insurance market has changed significantly over the years. Learning Center Articles reflect the market at the time they were published and may no longer be applicable. Find Health Plans. Get Help. Open menu. Outside of our network, only emergency medical services are covered. PPO plans offer the most flexibility. Care can be accessed from the PPO network of more than 47, providers locally and thousands nationally.

Costs will be higher if you see a doctor who does not participate with a Blue Cross and Blue Shield plan. Catastrophic plans, like our BlueChoice HMO Young Adult plan, usually have lower premiums than a comprehensive plan, but have higher deductibles. The BlueChoice Young Adult plan is available to individuals under the age of 30 at the time of their effective date. Please note, certain individuals age 30 or older may also apply for BlueChoice Young Adult if their policies were cancelled due to non-compliance with the Affordable Care Act or if they quality for a hardship exemption.

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