You likely will need a referral from your primary care doctor to see a specialist. HMO: A health maintenance organization (HMO) plan typically requires that you can only see in-network providers who either work directly for or contract with the HMO.Related: Bronze, Silver, Gold and Platinum Health Insurance: Which One Should You Choose?Īmbetter offers three types of insurance plans on the health insurance marketplace: Optional dental and vision plans may also be available. A Gold plan could be good if you expect to need health care services in the next year or if you would prefer to pay more each month with the understanding that you won’t pay as much when you need care. Ambetter Secure Care (Gold): Gold plans usually have higher rates than Bronze and Silver, but lower out of pocket costs when you need care.A Silver plan could be a wise decision if you don’t want to pay the higher rates found in Gold plans, but also don’t want the higher out-of-pocket costs in Bronze plans. Ambetter Balanced Care (Silver): Silver plans generally have higher rates than Bronze plans, but lower out-of-pocket costs when you need care.A Bronze plan could be right for you if you don’t often need health care services and want to pay the cheapest rates for comprehensive health insurance.
Ambetter Essential Care (Bronze): Bronze plans typically have the cheapest rates, but have the highest out-of-pocket costs when you need health care.Ambetter offers three types of individual health insurance plans:
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