Hello everyone in this blog, I will deal with the health plans available for 2021 in comparison side by side of different health plans If you are looking for health insurance for 2021 this presentation may help you decide which plan will work best for you and your family now, I want to be clear from the beginning that it is an educational presentation  In other words no one paid me to create it.

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I do not intend to market or sell certain programs here stated, I would greatly appreciate if you would like and share this blog, comments are always welcome now The information presented here applies to existing health programs in California both private and California originated.





Health Insurance Plans:

Health Insurance Plans And be sure to read this blog to the end, as I will provide important information about the changes that will happen in California and the registration dates open for this year, remember now if you get your health insurance through covered California you can get additional tax credits or subsidies and improved plans for 2021.

Health Insurance Plans:

By the way if you are confused about changes in the Aca Law or have no idea what your options are feel free to contact me directly or comment if this is a general question I will answer and I have contracts with all the major suppliers in the countries.

So I have access to the information classes and so on and I will be happy to help you, you can also delegate me as your agent in indoor California in case you yourself and run into a technical or other problem, I will help and not cost ownership so let's start now.

In terms of program planning not much has changed this year.  We still have four main categories of health insurance plans Bronze Gold Silver and Platinum.  These categories show how your program categories and program costs are unrelated to the quality of care there.  It is also a catastrophic program for suitable people and usually it is designed for under 30s.

Health Insurance Plans:

Each level pays for a different part of your health bills grouping programs in this way makes it easier to buy insurance, for example the leading program is Platinum.  It pays the highest portion of your health bills that it also costs the most.  The basic plan is bronze it pays an average of sixty percent of your health bills and costs the least you can check on my site table side by side with all these plans so as I mentioned earlier there is a catastrophic plan or minimal coverage plan for those under 30s.

To be honest this program is a bit complicated, so if you are considering it, I highly recommend you consider the benefits before applying for this program, it is an option only for people under 30. Now there is one very important thing that many consumers do not know and end up paying more  Too for their health insurance.

Health Insurance Plans:

Those who have minimum coverage plans are not eligible for premium assistance also known as advanced premium tax credits Minimum coverage plans usually cover three doctor visits or urgent treatment visits with no out-of-pocket costs and free prevention benefits All other services will be full.  Price but at the price of the network negotiations until you reach the maximum pocket.

Now let's talk about the bronze plans.  These are usually the highest deductible programs on average and your health plan pays about 60 of your medical expenses and you pay 40 percent.  I will go over the deductible in the details of this plan soon if money plans are a good alternative those who can not stand a high deductible plan still do not want to pay too much for high coverage.

As I mentioned at the beginning of this presentation, in some cases people may be eligible for an enhanced money plan, which means that when they choose a money plan, they have based their income on pocket savings through lower lucrative incomes.  Insurance and deductibles People in these savings categories receive the benefits in a gold or platinum plan at the price of a money plan These plans are only available on stock exchanges.

Feel free to contact and I will help you figure out if you are eligible for enhanced money plans Gold programs have no deductible and average premium Your health plan pays about eighty percent of your medical expenses and you pay twenty percent and Platinum is the highest level of coverage it pays on average 90 of medical expenses and has no deductible.

Now let's look at a comparison of plans for 2021. Like I said it's a general plan of the plan, so no matter what health insurance theme or plan you choose Kaiser Blue Shield or Oscar Valley Health Plan Health Network Blue Cross Saturday so on you look at the same plan structure  If you compare apples to apples.

I must mention that some money plans offered directly will be slightly different, therefore, be sure to carefully examine the natural insurance percentages of copays and not just how much you pay for insurance each month as some plans are a bit odd and it may not work for everyone equal again.

Here are the metal and cover categories for 2021 before I go into the details of the program I wanted to mention that in case any of the terminologies are unclear, feel free to read my blogs where I explain what is deductible what is copay what is currency insurance and the like it will help you navigate the benefit structure of plans  These plans work, so let's take a closer look at these plans for the bronze program, you do not pay the deductible on the first three visits a year which includes a combination of a primary care specialist and laboratory emergency care is forty dollars a month, and is not subject to annual deductible.

Prevention is included at no extra cost.  Copay for a visit to primary care and urgent care is 65 and a specialist visit is 95. This may be a good plan for healthy people and rarely consult a doctor, of course if you need more care you will need to pay more from bronze plans pockets can also be slightly different, so be sure to look at this plans benefits  Along with side, for example, the high deductible includes a bronze program is not the same as a typical bronze program with high deductibles.  Deductible starts From the day one you start using your insurance and you end up paying more out of pocket than if you used a typical bronze plan for those procedures instead.

Now let's look at the money plan The money plan has a lower deductible there are no limits on how many times you can visit the doctor a year or you will pay a deductible especially when you are hospitalized and here the common salary for it to plan a deductible is four thousand visits in primary care and urgent care is forty dollars tests  Lab are forty dollars as I mentioned before some exchange programs plan a slightly different program.

So make sure to compare these options before you buy it and there is no one shoe that fits every approach here, and make sure you take a good look at the deductibles and deductible before you make your choice and get stuck with the year-round gold program.  There is no deductible for joint training and the currencies are lower than those of the money plan. This plan costs more each month, but the insurance pays an average of 80 percent of your medical costs and the rest you pay for the gold plans. There is a slight increase in joint salary for primary care this year i guess it is only five dollars.

The Platinum program has no deductible.  Copays and currency insurance are lower than those of the Gold Plan.  This plan costs more each month, but the insurance area and average is 90% of your medical costs and you pay the rest it is clear that the Platinum plan has the highest premium for everyone.  A month if you are healthy and rarely go to the doctor, it may not be a good idea to buy the most expensive program on the market.

Really their mother so again the visit for initial self-treatment and lab tests are described here now you can look at a more detailed comparison on my site.  I can also provide comparison between classes and programs so for example compare Blue Shield with Kaiser Oscar Net Health Saturn Sutter Health and Blue Anthem bhp programs and so on there is no extra charge for my services so feel free to avail the professional help and advice now.

I want to mention that dental coverage is not included in the adult medical plan, so if you need separate dental insurance, this applies to vision only for children and vision is included in the medical plans at no extra cost because dental plans can be a bit tricky to learn new options before buying, you may benefit  Also from the prices negotiate dental and vision programs available through covered California.  I can help with that even now, as I mentioned at the beginning of the blog.  Here is the important information for California and especially the penalty.

As is known the penalty was abolished in 2019 but other provisions of the affordable treatment action are still valid in some states, including California, legislation has been enacted to return the penalties starting in 2020. The legislation was approved, so on January 1, 2020 a new rule is required California has eligible year-round health insurance coverage  The penalty will be applied by the California Concession Tax Board when you file your taxes when filing your state tax refund The penalty for not having insurance in California will reflect that which appears under the lucrative care act.  Which were $ 695 for an adult and $ 347.50 for a child under 18 or 2.5 percent of your annual household income.

Anything bigger than the big ones, the open registration requirement is still enforced so in California you can buy health insurance from November 1, 2020 to January 31, 2021 unless there is an extension or change in legislation these are the dates and information listed here The time and time I record the blog  Once the open registration is closed, you can no longer apply for health insurance unless you have a qualifying life event, you can check out our blog regarding the details of qualifying life events, so that's all for now.

If you have any questions feel free to refer to it in the comments below or contact us directly, we love to help people and of course if you find this information useful, please share it and like it we will surely appreciate it oh and one more thing if you need help in indoor California.

Please delegate your agent and he will be able to help you throughout the years I have almost covered qualified insurance agents in California and helped many people choose health plans as well as fix problems in California covered for mixed households.  Medical is involved in fixing application issues or just help with identity verification there is no charge for this service and follow the protocol when helping in these cases thank you all and do not forget to share it with someone who you think might benefit from staying healthy.