Health Insurance Plans Available on the Marketplace

There are different types of Marketplace health insurance plans designed to meet different needs. Some types of plans restrict your provider choices or encourage you to get care from the plan’s network of doctors, hospitals, pharmacies, and other medical service providers. Others pay a greater share of costs for providers outside the plan’s network. Here is an overview of the types of marketplace plans available to you.

Types of Marketplace plans

Depending on how many plans are offered in your area, you may find plans of all or any of these types at each metal level – Bronze, Silver, Gold, and Platinum.

Some examples of plan types you’ll find in the Marketplace:

Exclusive Provider Organization (EPO): A managed care plan where services are covered only if you use doctors, specialists, or hospitals in the plan’s network (except in an emergency).
Health Maintenance Organization (HMO): A type of health insurance plan that usually limits coverage to care from doctors who work for or contract with the HMO. It generally won’t cover out-of-network care except in an emergency. An HMO may require you to live or work in its service area to be eligible for coverage. HMOs often provide integrated care and focus on prevention and wellness.
Point of Service (POS): A type of plan where you pay less if you use doctors, hospitals, and other health care providers that belong to the plan’s network. POS plans require you to get a referral from your primary care doctor in order to see a specialist.
Preferred Provider Organization (PPO): A type of health plan where you pay less if you use providers in the plan’s network. You can use doctors, hospitals, and providers outside of the network without a referral for an additional cost.

For more information about the different options visit www.healthcare.gov

There are pro’s and con’s for each option. It’s important to select the right option based on your needs. Contact us for guidance in selecting the right policy for you and your family. There is no cost to you for our help.

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AskCarolB puts you at the center of everything we do. As licensed agents, we will guide you through the Medicare maze at no cost. We work with the top carriers in the nation to tailor a plan that meets your needs at the lowest price available.

AskCarolB truly cares that you are protected as you age. We provide clarity and security in the choices made.

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AskCarolB.com is owned and operated by Ask a Friend, Inc., and is a privately-owned website. This Website serves as an invitation for you, the customer, to inquire about further information regarding Medicare Supplement Insurance, Medicare Advantage and Prescription Drug Plans, as well as Marketplace and Ancillary Health Insurance plans and submission of your contact information constitutes permission for a licensed sales agent to contact you with further information, including complete details on cost and coverage of this insurance. Individual products and features are subject to availability and may vary by state according to the carrier’s plan options. Premiums are based on ZIP code, age, household discounts and tobacco use and are not a guarantee of cost reduction.

This is a solicitation for insurance. Although we are contracted with many carriers, this is not a complete listing of plans available in your service area. For a complete listing please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov. AskCarolB.com markets a portfolio of a wide variety of health insurance and supplemental insurance products such as on and off-exchange health, dental, vision, hearing, indemnity plans, long term care, final expenses, etc. AskCarolB.com’s quoting platforms do not include all health insurance companies or all available insurance products.