Coverage is what the health plan does and does not pay for. Coverage includes: benefits, deductibles, premiums, limitations, etc.

Although the same benefit may be included in each health plan, it may be paid at a different benefit level. For example, emergency care is a benefit common to most plans, however, one plan may pay for 100% of emergency care cost, while some plans may cover 80% of the emergency care expenses, while others 50%.

There are four basic types of health plans available to people who do not receive Medicare or Medi-Cal. A basic understanding of each is essential to choosing the one that works best for you.

Use the Tips below to assist you in your selection process:
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