Finding A Health Insurance Plan That's Right For You
Your healthcare needs and budget are as unique as you are. That's why we offer plans across a range of price levels. We can match you with a plan that's right for you, whether you're an individual who only needs emergency coverage or part of a large family with more extensive healthcare needs. Financial assistance to help cover health insurance costs is available for those who qualify.
The Affordable Care Act (ACA) helps ensure that all Americans have access to affordable health insurance. It offers financial assistance, or a health insurance subsidy, based on your income, to help reduce your healthcare costs. With recent changes in the law, even more people may now quality for a subsidy to pay for their health coverage. Our video explains how to determine if you’re eligible for financial help when purchasing an ACA health plan through Anthem.
How Health Insurance Covers Expenses
Health insurance can be the key to your health and well-being. Once you purchase an Anthem plan, you’ll be covered for annual physicals and preventive care visits with providers in your network. Here are the basics of how your plan covers expenses and which portions of your healthcare costs you’re responsible for.
The deductible is 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 deductible when provided by a doctor in your plan network.
Copays are fixed amounts (such as $10 or $20) that you pay out of pocket for visits to in-network healthcare providers. Amounts can vary depending on the provider (primary care or a specialist) you see or the services you receive (such as medications, labs, and diagnostic tests).
Coinsurance is the percentage you pay for covered healthcare services after you reach your deductible. For example, if the allowed amount for a service is $100 and your coinsurance is 20%, you will pay $20 for that service after your deductible is met.
This the most you will pay for covered healthcare services during the coverage year. If you reach the out-of-pocket maximum, your plan pays 100% of covered benefits.
Benefits Of Becoming An Anthem Member
Anthem designed its health plans and plan networks with your healthcare needs and budget in mind. We offer a range of choices and make managing your benefits easier than ever. Our integrated approach can help improve your health, lower costs, and provide peace of mind.
Doctors In Your Plan's Network
Anthem plans support your healthcare with a range of choices of doctors, care centers, and hospitals. You also have the flexibility of choosing a video visit with a doctor or therapist on your smartphone, tablet, or computer.
Avoiding illness or catching problems early are key to staying healthy. Your plan covers preventive care at no cost to you when you see a doctor in your plan’s network. Preventive care includes checkups, screenings, and vaccines.
You can rest assured that your Anthem health plan includes coverage for most generic and many brand-name prescriptions. Depending on the plan, you’ll pay a certain amount for medications, depending on the coverage tier or class of drug.
LiveHealth Online is a service that lets you talk to an experienced, board-certified doctor any day, any hour, on any device. The doctor can give you expert advice, provide a treatment plan, and prescribe medication when appropriate.
A catastrophic plan is a high-deductible, low monthly premium option that protects you in the event of a serious health crisis or emergency. To qualify for this type of coverage, you must be under 30 or 30 or over with an approved hardship exemption from your state’s Health Insurance Marketplace®.
Ready to take the next step? We can help you get a quote for a health insurance plan that works for you or your whole family. Plus, our experts are standing by to help you choose a plan that’s right for you.