Ambetter offers several levels of low-cost health insurance plan options. When you begin shopping for Ambetter health insurance plans in the Marketplace, you’ll see plan options with different levels such as Ambetter Secure Care (Gold), Ambetter Balanced Care (Silver) and Ambetter Essential Care (Bronze) plans. The only difference between these low-cost health insurance plans is how much premium you’ll pay each month and how much you’ll pay for certain medical services. Ambetter Essential Care (Bronze) plans typically give you lower monthly premium payments, but have potentially higher out-of-pocket costs – if you end up needing a lot of care. And Ambetter Secure Care (Gold) plans may have higher monthly premiums, but that helps you limit your out-of-pocket costs later. If you’re looking for a balance on your monthly premium payments and your out-of-pocket costs, Ambetter Balanced Care (Silver) plans provide just that. And, Ambetter Balanced Care plans are the only plans with additional out-of-pocket payment reductions (cost sharing reductions)! This helps lower the costs of your copays, deductibles and coinsurance. So, if you are eligible for a subsidy and cost sharing, Ambetter Balanced Care plans offer the highest value.
Remember, your Essential Health Benefits are covered and will be equal across all plans. Plus, some Ambetter plans also include vision and dental care. The information above represents the way typical plans at each metal level work. How much you pay will depend on your specific plan.
