Health Insurance Plans
Health insurance plans are plans that are purchased by an individual or a family for getting coverage on their medical and surgical expenses when needed. Health insurance plans recompense the health care places for treating the individual and the dependent for illness or injuries during the time of insured person’s need. After following the instruction in the assignment 1 using the website healthcare.gov to find some health insurance plans for a 27-year-old single non-smoker mother with a 5-year-old daughter and a yearly salary of $35000, there were several health insurance plans that came up. Out of the long list two health insurance seemed reasonable to compare were FirstCare Health Plans • Bronze - HSA (100%) and Blue …show more content…
Although Blue Cross and Blue Shield of Texas • Blue Advantage Bronze HMO 105 total cost on yearly on bases is less than FirstCare Health Plans, however, FirstCare Health Plan is a better plan because it gives more coverage for both the …show more content…
Even though it cost more on a yearly basis, but both the deductible and the out of pocket maximum is $600 less than the Blue Cross and Blue Shield of Texas • Blue Advantage Bronze HMO℠ 105. According to healthcare.gov, FirstCare Health plans covers 100 percent of emergency room care, generic drugs, primary doctor, or specialist doctor while on the other hand in Blue Cross and Blue Shield of Texas • Blue Advantage Bronze HMO℠ 105 plan insured person yet have to pay 30 percent coinsurance or co-pay after deductible for emergency room care, 20 percent for generic drugs, 30 percent for specialist doctor and $40 for the primary doctor. In this case, for the 27-year-old women with 5-year-old dependent has to pay more to Blue Shield of Texas • Blue Advantage Bronze HMO℠ 105 plan and will get less benefit compared to FirstCare Health plans. In order for this woman FirstCare Health plan is better because in this plan she can pay about the same amount of money for medium usage of medical care and get more coverage for both herself and her
Health insurance plans are plans that are purchased by an individual or a family for getting coverage on their medical and surgical expenses when needed. Health insurance plans recompense the health care places for treating the individual and the dependent for illness or injuries during the time of insured person’s need. After following the instruction in the assignment 1 using the website healthcare.gov to find some health insurance plans for a 27-year-old single non-smoker mother with a 5-year-old daughter and a yearly salary of $35000, there were several health insurance plans that came up. Out of the long list two health insurance seemed reasonable to compare were FirstCare Health Plans • Bronze - HSA (100%) and Blue …show more content…
Although Blue Cross and Blue Shield of Texas • Blue Advantage Bronze HMO 105 total cost on yearly on bases is less than FirstCare Health Plans, however, FirstCare Health Plan is a better plan because it gives more coverage for both the …show more content…
Even though it cost more on a yearly basis, but both the deductible and the out of pocket maximum is $600 less than the Blue Cross and Blue Shield of Texas • Blue Advantage Bronze HMO℠ 105. According to healthcare.gov, FirstCare Health plans covers 100 percent of emergency room care, generic drugs, primary doctor, or specialist doctor while on the other hand in Blue Cross and Blue Shield of Texas • Blue Advantage Bronze HMO℠ 105 plan insured person yet have to pay 30 percent coinsurance or co-pay after deductible for emergency room care, 20 percent for generic drugs, 30 percent for specialist doctor and $40 for the primary doctor. In this case, for the 27-year-old women with 5-year-old dependent has to pay more to Blue Shield of Texas • Blue Advantage Bronze HMO℠ 105 plan and will get less benefit compared to FirstCare Health plans. In order for this woman FirstCare Health plan is better because in this plan she can pay about the same amount of money for medium usage of medical care and get more coverage for both herself and her