Silver ObamaCare Plan California Outline
California’s Silver plan offers a lot of benefits before the deductible is met. The individual mandate begins on January 1, 2014, with enrollment running from October 1, 2013 to March 31, 2014.
CA Silver Plan Details
The Silver plan is considered the standard of the plans, as it offers coverage before the deductible is satisfied, unlike the California ObamaCare Bronze plan. This plan has a 70/30 split, with the insurance company covering 70% of your services before you meet your out-of-pocket max.
| Benefits | Silver Health Plan* |
| Deductible | $2,000 Med |
| Preventive | $0 |
| Doctor’s Office Visits | $45 |
| Specialist | $65 |
| Generic Rx | $25 or less |
| Brand RX | $50 *after $500 Rx deduct |
| Lab Testing | $45 |
| X-ray | $65 |
| ER Visit | $250 *after deduct |
| Urgent Care | $90 |
| Out-of-Pocket Max | $6,350/$12,700 (ind/fam) |
CA Silver Plan Premiums
The average Silver premium for a 40 year old, non-smoker is $294. However this does not include ObamaCare federal premium subsidies, which can make the monthly premium drop to $58. Remember premiums are based off age and area. For your specific premium call 800-930-7956.
Difference Between Silver and the Other Metal Plans
As stated above, Silver is considered the standard plan. If a provider offers any plans they must offer the Silver and Gold plans. Silver is also the only plan that offers ObamaCare cost-sharing subsidies to individuals and families making less than 250% of the poverty line: $28,725 for an individual and $58,875 for a family of four.
Remember that even though the Bronze plan may have a less expensive premium it could cost you more 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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