ObamaCare Gold Plan Colorado Details
Colorado has released its preliminary Gold plan premiums, as well as deductibles on certain plans. Nationwide all Gold plans much include the ObamaCare 10 essential health benefits, providers must cover 80% of your medical costs, and insurance companies must abide by the 80/20 Affordable Care Act Rule, where providers must spend 80% of the plan premiums on health care or refund their policyholders.
CO Gold Plan Overview
The Colorado Gold plan deductibles range from $0 -$2,000. Below is a chart of how an average California Gold Plan breaks down, purely for illustrative purposes:
|Benefits||Gold Health Plan*|
|Doctor’s Office Visits||$30|
|Generic Rx||$25 or less|
|Out-of-Pocket Max||$6,350/$12,700 (ind/fam)|
CO Gold Plan Premiums
The average Gold premium for a 40 year old, non-smoker range from about $287 to $551 per month. However these premiums do not include ObamaCare federal premium subsidies, which can drop the premium significantly. Remember premiums are based off age, area, and provider. For your specific premium call 800-930-7956.
The Gold Plan in Comparison to Other Metal Plans
While the Gold plan has second highest monthly premium, plans are available with “first-dollar” advantage. First dollar means that as soon as you seek care your provider pays their share. As well, as if you do get a plan with a deductible, if it follows California’s lead, Colorado Gold plans will offer many benefits before the deductible is satisfied. A plan like the Bronze plan may have a lower monthly premium, but a Gold plan, if you get sick, could save you money throughout the year. Click here to compare the ObamaCare Bronze plan, Silver plan, Gold plan, and Platinum plan side-by-side.
For further questions call the number above or contact Medicoverage.