2015 Dean Health Plan Individual & Family Plan Book

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Monthly Cost
Cost When You
Get Care
Maximum
Out-of-Pocket
Expenses
Good Option if You...
Metal Tiers
Platinum Gold Silver Bronze
plan to use a lot of
health care services
want to save on monthly
premiums while keeping
out-of-pocket costs low
need to balance
monthly premium with
out-of-pocket costs
don’t plan to need a lot
of health care services
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$
$
$$$
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$$
$$$
$$$
$
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P G S B
What you need
Dean Health
Plan Sales Rep
Insurance
Agent or Broker
Application
Counselor or
Navigator
You need help determining if you are eligible for a tax credit or
cost-sharing reduction on the Marketplace 3 3 3
You need help enrolling on the Marketplace 3 3 3
You need help determining which plan and benefits are right for you.
Example: What’s the difference between plan types like HMO, PPO and HDHP? 3 3
You need help choosing a plan from Dean Health—no matter how
you buy 3 3
You need help from someone who upholds Marketplace Privacy
and Security Standards 3 3 3
For more information about Dean Health Plan coverage, visit r call (800) 279-1302
13
Out-of-Pocket Costs
Cost-sharing reduction is only available on silver plans. There are
three levels of cost sharing reduction based on income brackets:
1) 101–150 percent of Federal Poverty Level (FPL)
2) 151–200 percent FPL
3) 201–250 percent FPL
Dean Health Plan offers a variety of options for silver plans that are eligible cost
sharing reduction plans.
Find the Help You Need to Select a Plan
What are Metal Tiers?
You can use metal tiers to help determine
which type of plan is right for you. No
matter where you purchase your plan, it
will be categorized using metal tiers. In
addition to your personal situation and
values, you’ll want to consider if you are
eligible to receive a price break, which can
be delivered in the form of a tax credit or
cost-sharing subsidy.