What is silver 87 HMO?
Asked by: Garry Feest | Last update: December 29, 2025Score: 4.4/5 (23 votes)
What is Kaiser Silver 87 HMO?
The Silver 87 Plan is a health plan that gives qualified members more coverage at lower prices. Someone on a Silver 87 Plan will pay less for medical services than someone who is enrolled on a top-of-the-line Platinum Plan.
What does hmo silver 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.
What is the difference between gold HMO and silver HMO?
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.
Is Aetna Silver HMO a Medicare plan?
Aetna Medicare Silver (HMO) is a HMO Medicare Advantage (Medicare Part C) plan offered by Aetna Inc.
🔥 Anthem Blue Cross Silver 87 HMO Review: Pros and Cons
What's the difference between an HMO and a PPO with Aetna?
What is the main difference between the HMO-EPO plan and the PPO plan? The HMO-EPO plan only provides in-network coverage for services, except for urgent and emergent care which would be covered the same out-of-network as it would in-network. The PPO plan offers both in-network and out-of-network coverage.
Why is Aetna dropping Medicare Advantage plans?
Why do Medicare Advantage plans get discontinued? Some plans are discontinued to make room for new plans. Other plans are discontinued so we can update plan benefits to better serve members.
Are silver health plans worth it?
Those who need to balance their annual healthcare costs: Silver plans strike a balance between a plan's monthly premium and out-of-pocket costs for care. They may make sense if you or your family have moderate healthcare needs throughout the year.
Do doctors prefer HMO or PPO?
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 the difference between Silver 73 and Silver 87?
The Silver 73 covers 73% of your out-of-pocket costs, 3% more than the standard Silver Plan. However, if you qualify for a Silver 87 or a Silver 94, you will receive 87% or 94% coverage, which is 17% or 24% more of your out-of-pocket costs than the standard Silver Plan.
What is the deductible for Silver 87 HMO?
Many services aren't subject to a deductible. For Silver 87, that amount for individuals is $1,400 for medical services, and $100 for prescription drugs. A family's deductible is $2,800 for medical services, and $200 for prescriptions. There is no deductible for dental care.
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.
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 silver 87 HMO good?
This would be a good plan for a 40-year-old with an income between 150% ($18,090) and 200% ($24,120). The low co-pays help reduce your out-of-pocket costs when you need to access medical care. All rates are estimates. Your final premium will be determined once you have completed the application process.
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.
What type of HMO is Kaiser Permanente?
The Kaiser Permanente HMO (HMO (group #101728) is a staff model HMO plan, which means that it owns its own facilities and employs physicians. You must choose a Kaiser doctor as your primary care physician to be your first point of contact, coordinate your care, and make referrals.
What are the 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 dentists prefer PPO over HMO?
Dental PPOs are the most common commercial dental plan types and offer more flexibility in dentist choice. Dental HMO plans charge lower premiums but limit coverage to in-network dentists for most procedures. Consider your needs, budget, and dentist preferences when choosing between HMO and PPO plans.
What are the two most common health insurance plans?
Before choosing a health insurance policy for yourself, your family, or your employees, you must know what types are available. Some popular health insurance policy options are: Preferred provider organization (PPO) plans. Health maintenance organization (HMO) plans.
What is the most expensive health insurance plan?
Platinum health insurance is the most expensive type of health care coverage you can purchase. You pay low out-of-pocket expenses for appointments and services, but high monthly premiums.
What is the best health insurance in the USA?
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.
Why are seniors losing Medicare Advantage plans?
Health systems and hospitals are also making the decision to cancel contracts due to excessive prior authorization denial rates and slow payments from insurers. Already 27 health systems have canceled their Medicare Advantage contracts this year.
What states is Aetna pulling out of?
Aetna is planning to withdraw their participation in 11 states, including Texas, South Carolina, Pennsylvania, Ohio, North Carolina, Missouri, Kentucky, Illinois, Georgia, Florida, and Arizona, as the provider suffered major financial losses due to high-risk patients in the regions.
Why are hospitals refusing Medicare Advantage plans?
Among the most commonly cited reasons are excessive prior authorization denial rates and slow payments from insurers. In 2023, Becker's began reporting on hospitals and health systems nationwide that dropped some or all of their Medicare Advantage contracts.