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Ambetter Arizona

ambetter arizonaWith Ambetter from Arizona Complete Health, you have a wide network of primary care physicians, specialists, hospitals, and outpatient facilities to choose from
Ambetter plans are available in Arizona ObamaCare, Healthcare marketplace

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What benefits make up your new comprehensive health plan?

As for the cost of health insurance, it can vary widely depending on several factors such as the state and county where you live, your age, whether you smoke, and the number of people insured under the plan. For one person, the national average monthly health insurance cost for a benchmark plan is around $465, or $199 with a subsidy. For a family, it’s around $1,152 or $399 with a subsidy.

It’s also important to consider out-of-pocket costs like deductibles, co-payments, and coinsurance, as well as the out-of-pocket maximum. This is the most you’d have to spend for covered services in a year, after which the insurance company would pay 100% for covered services.

As always, it’s recommended to consult with a health insurance consultant or advisor to get a better understanding of your options and what plan would best suit your needs.

  1. **Essential Health Benefits**: As required by the Affordable Care Act (ACA), all health insurance plans, including Ambetter’s, offer a set of essential health benefits. These are designed to ensure that you have the protection you need in case of a serious medical situation. They cover a wide range of areas from emergency services and hospitalization to maternity care, mental health services, and prescription drugs.
  2. **Ambetter Telehealth**: This is a feature that gives you 24/7 access to healthcare providers for non-emergency health issues, whether you’re at home, in the office, or on vacation. You can get medical advice, a diagnosis, or a prescription over the phone or through video chat, making it a very convenient service.
  3. **Health Management Programs**: Ambetter provides management services for various conditions such as Asthma, Coronary Artery Disease, Depression, Diabetes, Hypertension & High Cholesterol, Lower Back Pain, and offers a Tobacco Cessation program. These services provide you with educational tools, support, and regular follow-ups to help you manage your condition better and lead a healthier lifestyle.
  4. **My Health Pays Rewards**: This is a rewards program where you can earn money for taking charge of your health. You can earn rewards for various healthy activities and these rewards are added to your My Health Pays Visa Prepaid Card.
  5. **Plan Options**: Ambetter offers three plans with varying levels of coverage and cost. The Essential Care (Bronze) plan has lower monthly premiums but higher out-of-pocket costs. The Balanced Care (Silver) plan strikes a balance between monthly premiums and out-of-pocket costs. The Secure Care (Gold) plan has higher monthly premiums but limits your out-of-pocket costs.
  6. **Cost of Health Insurance**: The cost of health insurance can vary greatly based on factors such as age, location, smoking habits, and the number of people insured. The national average monthly cost for a benchmark plan is around $465 for an individual or $1,152 for a family. However, subsidies can significantly reduce these costs.
  7. **Out-of-Pocket Costs**: Besides monthly premiums, it’s also important to consider other costs associated with health insurance. This includes the deductible (the amount you have to pay for covered health services before your insurance kicks in), copayments and coinsurance (payments you make each time you get a medical service after reaching your deductible), and the out-of-pocket maximum (the most you have to spend for covered services in a year).

Keep in mind that these are just the basics, and the specifics of what each Ambetter plan covers can vary. Also, while Ambetter plans offer a wide range of benefits, they might not cover every medical service. Before choosing a plan, make sure to read the plan details carefully or consult with a healthcare professional to understand what is and isn’t covered

average health insurance cost per month
on average national monthly health insurance cost for one person on a benchmark, plan is around $465, or $199 with a subsidy. * Monthly premiums for ACA Marketplace plans vary by state and can be reduced by subsidies. $1,152 or $399 with a subsidy for a family

When choosing a plan, it’s a good idea to think about your total health care costs, not just the bill (the “premium”) you pay to your insurance company every month.
Other amounts, sometimes called “out-of-pocket” costs, have a big impact on your total spending on health care– sometimes more than the premium itself.

Deductible and out-of-pocket costs
• Deductible: How much you have to spend for covered health services before your insurance company pays anything (except free preventive services).
• Co-payments and coinsurance: Payments you make each time you get a medical service after reaching your deductible.
• Out-of-pocket maximum: The most you have to spend for covered services in a year. After you reach this amount, the insurance company pays 100% for covered services.

As a result of the Affordable Care Act (ACA), people can purchase individual health insurance through a government exchange or marketplace (commonly referred to as ACA plans), or they can buy health insurance from private insurers.

For a particular health insurance plan, the cost of coverage is determined by a limited set of factors, which have been set by law. States can limit the degree to which these factors impact your rates– for instance, some states like California and New York don’t allow the cost of health insurance to differ based on tobacco use.

• Age: The health care cost per person covered by a policy will be set according to their age, with rates increasing as the individual gets older. Children up to the age of 14 will cost a flat rate to add to a health plan, but premiums typically increase annually beginning at age 15.

• Where you live: Health insurance companies determine the set of policies offered and the cost of coverage based on the state and county you live in. So a resident of Miami-Dade County in Florida, for instance, may pay cheaper rates for the same policy than a resident of Jackson County.

• Smoking/tobacco use: If you smoke, you can pay up to 50% higher rates for health insurance, though the maximum increase is determined by the state.

• Number of people insured: The total cost of a health plan is set according to the number of people covered by it, as well as each person’s age and tobacco use. For example, a family of three, with two adults and a child, would pay a much higher monthly health insurance premium than an individual.