• Skip to main content
  • Skip to secondary menu
  • Skip to primary sidebar
  • Skip to footer
BlackDoctor.org
Where Wellness & Culture Connect

Where Wellness & Culture Connect

  • Health Conditions
  • Wellness
  • Lifestyle
  • Longevity
  • Resource Centers
    • Cancer Resource Center
    • Covid Resource Center
    • Clinical Trials Resource Center
  • Find A Doctor
  • BDO TV
Home / Wellness / Health Insurance Market Place / 3 Things To Know Before You Pick A Health Insurance Plan

3 Things To Know Before You Pick A Health Insurance Plan

female doctor shaking patients handChoosing a health insurance plan can be complicated. Knowing just a few things before you compare plans can make it simpler.

The 4 “metal” categories: There are 4 categories of health insurance plans: Bronze, Silver, Gold, and Platinum. These categories show how you and your plan share costs. Plan categories have nothing to do with quality of care.

Your total costs for health care: You pay a monthly bill to your insurance company (a “premium”), even if you don’t use medical services that month. You pay out-of-pocket costs, including a deductible, when you get care. It’s important to think about both kinds of costs when shopping for a plan.

Plan and network types — HMO, PPO, POS, and EPO: Some plan types allow you to use almost any doctor or health care facility. Others limit your choices or charge you more if you use providers outside their network.

You May Also Like
7 Proven Ways to Cure an Upset Stomach

Remember that plans also may differ in quality. For the 2017 plan year, HealthCare.gov is introducing a pilot program to present health insurance plan quality ratings (or ‘star’ ratings) for some plans. Plans in Virginia and Wisconsin will feature the quality ratings this year. Learn more about quality ratings.

Continue Reading

The Latest In Health Insurance Market Place

Get Quality Medical Care, Today

Students have report cards, Consumer Reports rates new cars, and employees, like it or not, get regular performance reviews. But if you're looking for a new doctor and health plan, or a hospital that offers quality care, where do you read more about Get Quality Medical Care, Today

White House to Unveil New Health Insurance Option for Small Businesses

Small businesses are very common amongst the Black community and justifiably so, as many talents run deep within the community. However, a good health plan seems to always fall by the wayside. Opportunely, a plan to allow small businesses to read more about White House to Unveil New Health Insurance Option for Small Businesses
Young african american woman on laptop

Affordable Care Act Open Enrollment Has Changed

Open enrollment for the Affordable Care Act (ACA), or Obama Care as many of us have come to know it, is upon us. However, for the first time since its inception it has a different spin. This is the first read more about Affordable Care Act Open Enrollment Has Changed
woman on cell phone

5 Ways To Apply For 2018 Health Insurance

You can apply for a 2018 Marketplace health plan using any of the methods below: Before you apply: Preview 2018 plans with personalized price estimates.   If you apply this way... You’ll do this Online How you apply depends on whether read more about 5 Ways To Apply For 2018 Health Insurance

How To Save On Your Monthly Insurance Bill With A Premium Tax Credit

When you apply for coverage in the Health Insurance Marketplace, you’ll find out if you qualify for a “premium tax credit” that lowers your premium – the amount you pay each month to your insurance plan. The amount of your read more about How To Save On Your Monthly Insurance Bill With A Premium Tax Credit
Health insurance form and dollars on the table

Dates & Deadlines For 2018 Health Insurance

You can enroll in or change 2018 Marketplace health insurance right now. The 2018 Open Enrollment Period runs from November 1, 2017 to December 15, 2017. IMPORTANT: 2018 Open Enrollment is shorter than in previous years This is a shorter enrollment read more about Dates & Deadlines For 2018 Health Insurance

Primary Sidebar

Subscribe to our newsletter

Poll

Popular Posts

  • 10 Signs You’re Living With Clogged Arteries 10 Signs You’re Living With Clogged Arteries
  • Mo’Nique at 55: Slimmer, Happier & Wiser: “I Love Us For Real”Mo'Nique at 55: Slimmer, Happier & Wiser: "I Love Us For Real"
  • Monica Calhoun at 51: “Exude Beauty Inside, Manifest It Outside”Monica Calhoun at 51: "Exude Beauty Inside, Manifest It Outside"
  • 7 Foods That Replenish Your Liver 7 Foods That Replenish Your Liver
  • Al B. Sure First Interview Since Waking Up from ComaAl B. Sure First Interview Since Waking Up from Coma

Podcast

Footer

Where Wellness & Culture Connect

BDO is the world’s largest and most comprehensive online health resource specifically targeted to African Americans. BDO understands that the uniqueness of Black culture - our heritage and our traditions - plays a role in our health. BDO gives you access to innovative new approaches to the health information you need in everyday language so you can break through the disparities, gain control and live your life to its fullest.

Connect With Us

Learn More About

  • Hepatitis C
  • Diabetes
  • Sickle Cell
  • Mental Health
  • About Us
  • Privacy Policy
  • Advertise With Us
  • BlackDoctor.org Advertising and Sponsorship Policy
  • Daily Vitamina
  • TBH

Copyright © 2023, BlackDoctor, Inc. All rights reserved.