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2. Select Your Coverage Needs

Plan Types

Choose to view only the types of plans you want to shop for: medical or dental-only. (Some medical plans include dental.)

Medical Plans: Selecting this option will display medical plans that may or may not include dental coverage. If a plan offers dental coverage, the dental icon (tooth) will appear next to the plan.

Dental Plans: Selecting this option will display plans that only offer dental benefits. Dental only plans have separate out-of-pocket maximums in addition to your medical plan. Out-of-pocket expenses are costs like deductibles.

There are two coverage levels of dental plans: high and low. The high coverage level has higher premiums but lower co-payments and deductibles. So you’ll pay less every month, but you’ll pay more when you use dental services.

plan-type-screen

Preferred Clinics/Hospitals: To review health care providers (including clinics) in a plan's network, click on the plan's Network of Providers' link. Networks include health care providers that the plan contracts with to take care of the plan's members. Depending on the type of policy you buy, care may be covered only when you get it from a network provider. If staying with your current doctor is important to you, check to see if they are included in the plan's network before choosing a plan.

Catastrophic Plans: Selecting “Yes” will limit the plans you see on the results page to ONLY catastrophic plans. These plans will require greater cost sharing than metal level plans. Selecting “No” will allow you to view metal level plans.

Plan Features

Check all the plan features that may be of interest to you. You’ll see options for health savings account (HSA) and wellness programs.

Your answers here will help to sort the plan results presented to you later. 

Health savings accounts (HSA) are often available with high-deductible health plans as a way to save money for your expenses. The funds contributed to the account aren’t subject to federal income tax at the time of deposit. Funds must be used to pay for qualified medical expenses like prescription drugs. Unlike a flexible spending account (FSA), the funds in HSAs roll over year to year if you don’t spend them. Selecting HSA will prioritize plans with that feature in your search results.

Wellness programs are offered by some plans to help you stay healthy. These programs offer an organized and coordinated approach with a goal of enhancing members’ physical, mental and emotional status. Selecting the wellness programs will prioritize plans with that feature in your search results.

Metal Levels

If you know what metal level you want, choose it here; otherwise check all metal levels to see all plans available in your area. (Not all metal levels are available in all areas.)

screen shot of metal levels choices

Maximum Annual Deductible

Selecting the highest amount of a deductible will show you plans sorted to more closely match what matters to you.  If you are looking for a lower deductible, the plan's monthly premium will cost more. 

Selecting a deductible range helps determine how the plans are sorted and will not change the information you see for the plan. If a plan has separate medical and drug deductibles, only the medical deductible is counted for sorting the plans in the range you select.

The deductible is the amount you owe for health care services your health insurance or plan covers before your health insurance or plan begins to pay. For example, if your deductible is $1000, your plan won’t pay anything until you’ve met your $1000 deductible for covered health care services subject to the deductible. 

There could be a different deductible when you see a doctor or other provider who is not in your plan's network. 

Preventive services are generally available without meeting the deductible first. Health plans must cover certain preventive services without you having to pay out-of-pocket costs, like your deductible. You can check with the health plan to see if a particular service meets this requirement.

screen shot of the maximum deductible section

Next, you’ll review your plan results and pick a plan.

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