ObamaCare Gold Plan California Outline
California has released its preliminary Gold plan premium and plan breakdowns. All Gold plans much include the ObamaCare 10 essential health benefits, providers must cover 80% of your medical costs before you hit your out-of-pocket max, and providers must abide by the 80/20 Affordable Care Act Rule, where providers must spend 80% of the plan premiums on health care or refund their policyholders.
CA Gold Plan Overview
The California Gold plan offers many benefits before the policyholder satisfies the deductible, unlike the California ObamaCare Bronze plan. Below is a chart of how an average Gold Plan breaks down.
| Benefits | Gold Health Plan* |
| Deductible | $0 |
| Preventive | $0 |
| Doctor’s Office Visits | $30 |
| Specialist | $50 |
| Generic Rx | $25 or less |
| Brand RX | $50 |
| Lab Testing | $35 |
| X-ray | $50 |
| ER Visit | $250 |
| Urgent Care | $60 |
| Out-of-Pocket Max | $6,350/$12,700 (ind/fam) |
CA Gold Plan Premiums
The average Gold premium for a 40 year old, non-smoker range from about $370 to $600 per month. However this does not include ObamaCare federal premium subsidies, which can drop the premium significantly. Remember premiums are based off age, area, and provider. For your specific premium call 800-930-7956.
The Gold Plan in Comparison to Other Metal Plans
The Gold plan has second highest monthly premium, with “first-dollar” advantage. That just means that as soon as you seek health care your provider will start paying toward your medical bills. A plan like the Bronze plan may have a lower monthly premium, but a Gold plan, if you get sick, could save you money throughout the year. Click here to compare the ObamaCare Bronze plan, Silver plan, Gold plan, and Platinum plan side-by-side.
For further questions call the number above or contact Medicoverage.
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