Health Insurance
of 2024
- Get Coverage as soon as Tomorrow!
- Short term coverage is ideal if you missed enrollment, can't afford traditional insurance, are between jobs, just graduated or retired early.
- Covers: ER & hospitals coverage, Doctors, Labs, Urgent Care & More
- Visit any doctor in their nationwide network; no referral required
- No long term commitment. Budget Friendly.
HealthPlanRate.com Health Insurance Review
HealthPlanRate.com - Overview
HealthPlanRate.com offers a quick and easy to use online interface for procuring in-marketplace healthcare plans. HealthPlanRate.com automatically ascertains where you are browsing from and customizes its exchange plans to your area. The company can pair you with local and top providers such as BlueCross BlueShield, Cigna, and Aetna. Customers can either apply online or talk to a licensed agent over the phone to find the plan that's right for them and their family. HealthPlanRate.com also can determine if customers qualify for financial subsidies depending on their state.
Types of Plans Available with HealthPlanRate.com
HealthPlanRate.com offers the standard HMO, PPO, and EPO plans in all the "metal" tiers of coverage in the Affordable Care Act (ACA). The tiers of Bronze, Silver, Gold, and Platinum are all standardized coverage under the ACA and offer the same options regardless of which company you use or the area in which you live.
The Bronze Plan features the lowest monthly premium but the largest out-of-pocket expense for actual medical care. Bronze plans pay 60% of medical expenses and also have the highest deductible. Similarly, the Silver Plan pays 70% of medical expenses and also features a lower monthly premium. These two tiers are ideal for younger people who want to be liable for a lower monthly fee and are not so inclined to illness. The Gold and Platinum Plans pay 80% and 90% respectively. These plans have the highest monthly premium but also provide the highest payouts and most comprehensive coverage. Aside from premiums, deductibles, and compansation, the plans also differ in ways delineated in the below table:
| BRONZE | SILVER | GOLD | PLATINUM | |
| Deductible | $6,000 Med/ $500 Rx | $2,250 Med/$250 Rx | $0 | $0 |
| Preventive | $0 | $0 | $0 | $0 |
| Doctor’s Office Visits | $70 for first 3 | $45 | $35 | $20 |
| Specialist | $90 after deductible | $70 | $55 | $40 |
| Generic Rx | 100% per script up to $500 after deductible | $15 | $15 | $5 |
| Brand RX | 100% per script up to $500 after deductible | $50 after Rx deduct | $50 | $15 |
| Lab Testing | $40 | $35 | $35 | $20 |
| X-ray | 100% negotiated rate | $65 | $50 | $40 |
| Maternity | 100% of negotiated rate | 20% of negotiated rate, after deductible | $600 per day HMO***/20% PPO | $250 per day HMO***/10% |
| Out-patient Surgery | 100% of negotiated rate, after deductible | 20% of negotiated rate, after deductible | $600 HMO/20% PPO | $250 HMO/10% PPO |
| Hospital Stay | 100% negotiated rate, after deductible | 20% of negotiated rate, after deducible | $600 per day HMO***/20% PPO | $250 per day HMO***/10% |
| ER Visit | 100% of negotiated rate | $250 after deductible | $250 | $150 |
| Urgent Care | $120 after deductible | $90 | $60 | $40 |
| Out-of-Pocket Max | $6,500/$13,000 (ind/fam) | $6,250/$12,500 (ind/fam) | $6,200/$12,400 (ind/fam) | $4,000/$8,000 (ind/fam) |
Providers
On-exchange providers are graded a letter based on performance. This grade is generally based on such factors as claims paying speed and ability, ease of reimbursement, financial stability, and customer service. HealthPlanRate.com features some of the largest players in the insurance industry, including UnitedHealthCare, AARP, and Anthem. However, by providing your personal information you are consenting to being contacted by third parties as outlined in their privacy policy. ConsumersAdvocate.org strongly recommends you look into the reputation of any provider HealthPlanRate.com offers to pair you with before committing to anything.
Application
HealthPlanRate.com initially needs only your zip code to get the quote process underway. The company may then require the following information:
- Name
- Date of Birth
- Gender
- Tobacco Use
- Income
- Qualifying Event (if outside of open enrollment)
- Address, email, and phone
The company then supplies you with a list of estimated costs from local and national health insurance providers.
Health Insurance with HealthPlanRate.com
HealthPlanRate.com is a particularly good option for those looking for individual health insurance plans who are not 100% familiar with what is available in their area. The website features a convenient comparison tool that allows customers to look at quotes from local and national providers.
Our Comments Policy | How to Write an Effective Comment
Customer Comments & Reviews
- Get Coverage as soon as Tomorrow!
- Short term coverage is ideal if you missed enrollment, can't afford traditional insurance, are between jobs, just graduated or retired early.
- Covers: ER & hospitals coverage, Doctors, Labs, Urgent Care & More
- Visit any doctor in their nationwide network; no referral required
- No long term commitment. Budget Friendly.