Is silver 70 hmo good?
Asked by: Jonathon Adams | Last update: November 24, 2025Score: 4.7/5 (62 votes)
What is silver 70 hmo?
Our Silver 70 HMO plan provides practical affordability and member out-of-pocket expenses. This family or individual health insurance plan provides many outpatient services before you have met your annual medical deductible. Free preventive care. Physician office visits and urgent care before deductible.
Is a silver health plan worth it?
Choosing a Silver health plan can be an excellent option if you're looking for a balance between your monthly premium and out-of-pocket costs for care, especially if you qualify for cost-sharing reductions.
What does silver hmo mean?
One of 4 categories of Health Insurance Marketplace ® plans (sometimes called “metal levels”). Silver plans fall about in the middle: You pay moderate monthly premiums and moderate costs when you need care.
Is Kaiser Gold better than silver?
Lower Out-of-Pocket Maximum
While both plans cover essential health services, the Silver 73 plan offers a lower annual out-of-pocket maximum. This means that if you have significant medical expenses during the year, your total costs will be capped at a lower amount under Silver 73 than with the Gold 80 plan.
🔥 Anthem Blue Cross Silver 70 HMO Review: Pros and Cons
Which health plan is better Silver or gold?
Gold plans have a higher monthly premium compared to Silver plans, but lower out-of-pocket costs for care. Gold plans are ideal for individuals and families needing frequent medical services and want their insurer to share more in the cost for care.
What is the difference between a PPO and a HMO?
HMOs (health maintenance organizations) are typically cheaper than PPOs, but they tend to have smaller networks. You need to see your primary care physician before getting a referral to a specialist. PPOs (preferred provider organizations) are usually more expensive.
What is the deductible for Kaiser Silver?
What is the overall deductible? $5,400 Individual / $10,800 Family Generally, you must pay all of the costs from providers up to the deductible amount before this plan begins to pay.
What is the best health insurance for seniors over 70?
Medicare is the best health insurance for retirees and seniors. You can choose between Original Medicare (Parts A and B) or private, bundled coverage, called Medicare Advantage.
What is the silver 73 HMO plan?
This health insurance plan is for individuals and families with an annual gross income between 201% to 250% of the federal poverty level (FPL), who also meet other applicable guidelines. This would be a good plan for a 40-year-old with an income between 200% ($24,120) and 250% ($30,150).
What is considered the best health insurance?
Investopedia's analysis ranks Kaiser Permanente as the best health insurance company for 2025 because of its blend of affordability and low customer complaints. UnitedHealthcare and Aetna also earned top marks. We evaluated nine insurers using dozens of criteria, such as customer satisfaction, plan types, and costs.
Is it better to have a high or low deductible for health insurance?
A lower deductible plan is a great choice if you have unique medical concerns or chronic conditions that need frequent treatment. While this plan has a higher monthly premium, if you go to the doctor often or you're at risk of a possible medical emergency, you have a more affordable deductible.
Is a silver plan good?
They are a good fit for people who are moderate users of health services. While Silver plans are a great value for many people, if you're a heavy medical user, you may consider a Gold or Platinum plan instead.
Is HMO a Medicare Advantage plan?
Health Maintenance Organization (HMO) Plan
An HMO Plan is a type of Medicare Advantage Plan that generally provides health care coverage exclusively from doctors, other health care providers, or hospitals in the plan's network (except emergency care, out-of-area urgent care, or temporary out- of-area dialysis).
Does Kaiser Silver include vision?
Adult vision exams are included in our Gold plans (except Oregon Standard), KP OR Silver 750/35 X, KP OR Silver 750/35, KP OR 3000/40 X, and the KP OR Silver 3000/40 plan. CSR plans for plans listed above have adult vision exams included.
Who has the cheapest insurance for seniors?
Our research found that Auto-Owners, Travelers, Geico, USAA and Nationwide may be the cheapest car insurance companies for seniors based on average rates from Quadrant Information Services. Rates provided are for a 70-year-old driver with a clean driving record.
What is the best supplemental health insurance for seniors?
"Based on NerdWallet's Medigap rubric, I picked five best Medicare Supplement Insurance companies for 2025: AARP/UnitedHealthcare, Mutual of Omaha, State Farm, Anthem and Blue Cross Blue Shield. These companies stood out based on plan types offered, premiums, discounts, complaint rates and nationwide availability."
Does Kaiser Silver Plan cover therapy?
There are four PPO plans offered by Kaiser (Bronze, Silver, Gold, Platinum) that vary in their therapy benefits; however, all include mental health coverage in their plans.
What is the difference between silver 73 and silver 70?
Unlike the other coverage levels, Silver comes in four varieties: Standard Silver (also known as Silver 70), Silver 73, Silver 87 and Silver 94. The numbers refer to the percentage of expenses paid by your plan, with you picking up the rest (for Silver 73, you're on the hook for 27 percent of your expenses).
What is considered a good deductible for health insurance?
A plan that has a deductible of at least $1,400 (for individuals) or $2,800 (for a family) is considered a high-deductible plan. If your insurance plan has a low deductible, this means you may reach the threshold earlier and get cost-sharing benefits sooner.
What are three disadvantages of HMO?
- If you need specialized care, you will need a referral from your primary care physician to an in-network provider.
- Must see in-network providers for care-less flexibility than a PPO plan.
Why do doctors prefer PPO over HMO?
HMO plans might involve more bureaucracy and can limit doctors' ability to practice medicine as they see fit due to stricter guidelines on treatment protocols. So just as with patients, providers who prefer a greater degree of flexibility tend to prefer PPO plans.
What is a disadvantage of a PPO plan?
In general, PPO plans tend to be more expensive than an HMO plan. Your monthly premium will be higher and you will have to meet your deductible before your health insurer starts paying. You will also have to pay more out-of-pocket if you visit a provider who is not part of your PPO network.