The Silver plan is the second plan on the metal level, and is often cited as the “go to” option for most people. This plan is designed with an actuarial value, or financial protection value, of 70%. This means the insured faces an exposure of 30% cost sharing up to the maximum out of pocket totals. However, there are many up front benefits on the Silver plan:
Plan Benefits for the Silver Plan:
- Primary Care Visits are a $45 co payment
- Specialist Visits are a $65 co payment
- Lab Tests cost $45 per procedure
- X-Rays are covered by a $65 co payment
After a $2,000 medical deductible the following applies:
- Complex medical care is covered by $250 co payments
- Emergency Room Visits are $250
- Generic Medication will cost $25
- Brand Name medication will cost $50 (after a separate $250 deductible)
- The out of pocket maximum for an individual is $6,400; $12,800 for families.
The implementation of a medical and drug deductible on the Silver plan may lead most enrollees and their providers to seek lower cost medical testing and prescription options to avoid higher out of pocket costs. Regardless, the Silver plan is looking solid and an excellent option for healthy families. Our agents will help you decide if this is the best option for you and your family.
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