What is the difference between Silver 87 and Silver 73?
Asked by: Miss Herminia Cummings PhD | Last update: August 14, 2025Score: 4.9/5 (19 votes)
What is silver 73?
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 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 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.
Who is eligible for enhanced silver benefits?
Not everyone qualifies for enhanced silver plans. Eligibility is based on income, age, family size, and zip code. Generally, adults with an income of just above 138% to 250% of the Federal Poverty Level may qualify for enhanced benefits.
Enhanced Silver Plans From Covered California, Are They Worth The Money?
What is the difference between Silver 73 and 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 does the silver plan cover?
Benefits of Silver Healthcare Plans
Emergency services. Hospitalization (surgery and overnight stays) Pregnancy, maternity, and newborn care.
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 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.
Is a gold plan better than a silver plan?
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 difference between generic silver and premium silver?
The precious metals market often differentiates between “generic silver” and “premium silver”. The former typically refers to privately minted rounds, bars, or ingots, valued mainly for their silver content. They provide an affordable route to acquire silver.
Is silver 70 hmo good?
The Silver 70 Plan is by far one of the most popular plans that Covered California offers. This is because it has competitively priced monthly premiums and upfront copays with no deductibles required for many, many services.
What is the best grade of silver?
Fine .999 Silver
Silver is the nearest metal to the pure fine element. It is labeled '999,' which shows 99.9% purity. The remaining 0.1% is made up of small trace elements. Fine silver has a luster that's more vitreous than sterling polish.
What is the best company to buy gold and Silver?
Our top picks, listed alphabetically, include American Hartford Gold, APMEX, Goldco, JM Bullion and Orion Metal Exchange. Before buying gold online, you should find a reputable dealer.
What is the difference between metal tiers?
The metal is used to signal how generous the plan coverage will be. The more valuable the metal is, the more the plan will pay for the coverage. Bronze represents the lowest level of coverage (except catastrophic plans, see below). Platinum represents the highest level of coverage.
What is Kaiser Silver 87 HMO plan?
This plan covers some items and services even if you haven't yet met the deductible amount. But a copayment or coinsurance may apply. For example, this plan covers certain preventive services without cost sharing and before you meet your deductible.
Is Blue Shield PPO or HMO better?
HMO plans are generally less expensive than PPO plans, with lower monthly payments, making them ideal if your favorite doctors are already in the network, or if you receive most of your care close to home.
What is the silver 73 hmo plan?
So under the Silver 73, enrollees may anticipate their health plan to pay about 73% of the total covered expenses. This plan has a $0 deductible. Also, it allows members to pay reduced fees of $35 to $85 for common services such as doctor visits, generic drugs, and other covered services.
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 the silver plan worth it?
A Silver health plan is a good choice for many people, because it balances premium and out of pocket medical costs. However, if you are young, do not anticipate using insurance often and have significant amounts of cash in savings, you may find that you save money with a Bronze or catastrophic plan.