Covered California Enhanced Silver 73 Plan
The Enhanced Silver 73 plan offered through Covered California is a plan that benefits from extra assistance from reduced costs for copays, deductibles and out of pocket maximums. It is a better than average health plan for those who qualify.
The Silver 73 plan offers a better than average out of pocket costs for your normal day-to-day medical services. This would include things like doctors visits which are only a $35 copay or specialist doctors visits that are at a $75 copay. But it does have a fairly high medical deductible of $1,400. This cost really only comes into play in the case of larger medical costs. Additionally, generic medications are set to a $16 copay and your lab work is a set $40 copay while the cost for X-rays are $85. Aside from the copays, the most important aspect of the Silver 73 plan is that maximum money somebody can spend per year if something awfully expensive happens. Something like a heart attack, cancer, or surgery. These types of medical costs, without health coverage, can cost hundreds of thousands of dollars. With the Silver 73 plan though, your yearly cost is limited to $6,500 for a single person and $13,000 for a family. This is compared to the higher priced plans like Platinum or Gold which have out of pocket maximums as high as $4500 for a single person or $9000 for a family. If you are interested in seeing if you qualify for the Silver 73 plan through Covered California , please feel free to visit our website www.enrollsocal.com for more information or contact us directly at 844-367-6555. We our services are 100% free and we are Certified with Covered California to provide no cost assistance with enrollment, renewal, and account assistance all year round.
How can you Qualify for a Silver 73 Plan?
Only a small percentage of people applying for health insurance through Covered California are eligible for a Silver 73 plan. First you must apply through Covered California, the Silver 73 plan is not available on any plan outside of Covered California. To be eligible, your household size, age, income, and zip code all factor into your eligibility. The income range for eligibility into the Silver 73 plan is between 200% and 250% of the Federal Poverty level (FPL). If you are a child or have children under the age of 18 then they will not be eligible for the Silver 73 plan but will be eligible for free health insurance through Medi-Cal. We can assist with Medi-Cal enrollments as well.
Is the Silver 73 plan good for you?
If you are somebody who qualifies for the silver 73 plan, you should consider enrolling in it but also look at the other plan levels that are available. This is because if medical usage is low, it may be better to choose a plan like a bronze or catastrophic plan, because it will save you more monthly.This is a good plan if you have regular healthcare usage but don’t need the higher-level gold or platinum plans. It will allow you to offset some of your monthly premium by accepting a higher deductible. Which is useful if your healthcare needs are routine.
Extra Considerations
One thing to keep in mind with the Silver 73 plan is that eligibility for the plan is based on income. So, if your income increases throughout the year you may not be eligible for that plan. Since the income range is so narrow, even a few dollars up or down could change your eligibility. If you have an income that fluctuates then your eligibility for the Silver 73 plan may change through the year.
Another important consideration is, if you are choosing a PPO plan it is particularly important to understand that there are actually two sets of prices for medical services. The first is if you go to a doctor who is contracted directly with your health insurance company, for the plan you are enrolled into. This doctor is considered “in network”. But if your doctor is not directly contracted with the insurance plan you are enrolled into, they will be considered “out of Network”. In this case you will be charged a higher rate for your medical services.
We are the Covered California Enrollment Center, your place to get free assistance with your health insurance plan. We can assist you to sign up, enroll and update your private health Insurance, Covered California plan, Medi-Cal, Obamacare and Medicare insurances. Our California agency is certified by Covered California, to assist you in-person, over the phone or online in English and Spanish.
We specialize in individual and family health insurance plans, Medicare, Medicare Advantage plans, Medicare Supplement (MediGap plans), Medicare Prescription Drug plans (Part D), as well as, Dental and Vision coverage. We can help you get enrolled into health insurance plans, compare healthcare options, provide required health coverage tax documents and review the plans that best fit your budget and healthcare needs.
Call us today at 844-367-6555 for free assistance over the phone, visit our website at www.EnrollSocal.Com to make an appointment at our California Enrollment Centers Serving San Diego County, Los Angeles County and Imperial County.