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Types of Health Insurance Coverage

When you’re looking for a new plan, you’ll come across different options like Individual and Family, Group, Medicare and Medicaid. Not all health plans include dental and vision benefits. Check plan details carefully before enrolling. You may want to consider a separate Dental and Vision plan. 

 
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Coverage for Individuals and Families

Individual and Family plans offer coverage for people who are freelancers, small business owners or self-employed. You can enroll on your own during the Open Enrollment Period or during the Special Enrollment Period if you have a qualifying life event.

Individual and Family plans:

  • Last a year or longer, and can usually be renewed.
  • Offer different levels of coverage to meet your cost and health care needs.
  • Offer these essential health benefits:
    • Emergency services, hospitalization, and preventive care
    • Maternity, newborn and pediatric care
    • Mental health care and substance abuse treatment
    • Lab services, prescription drugs and disease management
    • Rehabilitative services and devices
  • May come with a premium tax credit, also known as a subsidy.  
 
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Group Health Insurance Plan

If you get your health plan through your job, you are part of a group health insurance plan — also known as group coverage. Most of the time, your employer will provide you with info about any plan updates or changes.

 
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Dental and Vision

Living a healthy life means taking care of yourself — including your teeth, mouth and eyes. Dental and vision plans can:

  • Cover a wide range of dental and vision services, including routine care like annual visits.
  • Be bought as part of your Individual and Family health plan or as stand-alone plans.

Please note that dental coverage is required for children 18 or younger under the Affordable Care Act.

 
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Medicare

Medicare is for people 65 and older, or people under 65 with certain disabilities or illnesses.

You can beef up your Original Medicare Part A (hospital) and Part B (medical) with additional parts to strengthen your health insurance safety net. Options include:

  • Part C – Medicare Advantage Plans offer all-in-one coverage, some with built-in prescription drug coverage.
  • Part D – Prescription drug coverage pays for approved drugs not covered by Original Medicare Part A and B.
  • Medicare Supplement Insurance Plans – Can help pay for health care costs not covered by Original Medicare.

Need more information? Attend an event with us.

 
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Medicaid and Children's Health Insurance Program (CHIP)

Medicaid and CHIP are types of low- or no-cost health insurance offered by the government. Your eligibility is based on your household size and income, and you can apply any time of year.

If you qualify, coverage can start right away.