Bright Health Plans
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2018 Health Plans
Traditional plans offer a range of comprehensive coverage. Typically paired with a lower deductible than an HSA plan, traditional plans offer lower out-of-pocket costs each time you need care.
| GOLD | SILVER | BRONZE | CATASTROPHIC | SILVER PLUS | BRONZE PLUS | |
|---|---|---|---|---|---|---|
| Deductiblea specified amount of money that the insured must pay before an insurance company will pay a claim. | $2,000 Individual $4,000 Family | $4,000 Individual $8,000 Family | $7,350 Individual $14,700 Family | $7,350 Individual $14,700 Family | $5,000 Individual $10,000 Family | $7,350 Individual $14,700 Family |
| Out-of-Pocket MaximumAn out-of-pocket maximum is the most you'll have to pay during a policy period (usually a year) for health care services | $7,350 Individual $14,700 Family | $7,350 Individual $14,700 Family | $7,350 Individual $14,700 Family | $7,350 Individual $14,700 Family | $7,350 Individual $14,700 Family | $7,350 Individual $14,700 Family |
| CoinsuranceWhat % you pay after your deductible has been met and before your out of pocket max | 20% after deductible | 40% after deductible | 0% after deductible | 0% after deductible | 40% after deductible | 0% after deductible |
| Preventive Care | No charge | No charge | No charge | No charge | No charge | No charge |
| Primary Care | $0 for 2 visits then $20 per visit | $40 per visit | $50 per visit up to 3 visits then 0% after deductible | $50 per visit up to 3 visits then 0% after deductible | $40 per visit | $40 per visit up to 3 visits then 0% after deductible |
| Specialist Care | $40 per visit | $75 per visit | 0% after deductible | 0% after deductible | $75 per visit | 0% after deductible |
| Urgent Care | $75 per visit | $75 per visit | $75 per visit | 0% after deductible | $75 per visit | $75 per visit |
| Emergency Room (Facility) | $500 per visit | $750 per visit | 0% after deductible | 0% after deductible | 40% after deductible | 0% after deductible |
| Lab/X-Ray | 20% after deductible | 40% after deductible | 0% after deductible | 0% after deductible | 40% after deductible | 0% after deductible |
| Inpatient Hospital | 20% after deductible | 40% after deductible | 0% after deductible | 0% after deductible | 40% after deductible | 0% after deductible |
| Outpatient Hospital | 20% after deductible | 40% after deductible | 0% after deductible | 0% after deductible | 40% after deductible | 0% after deductible |
| Tier 1: Preventive | $0 | $0 | $0 | $0 | $0 | $0 |
| Tier 2: Generics | $15 | $25 | $40 | 0% after deductible | $25 | $25 |
| Tier 3: Pref Brands | $50 | $80 | $200 | 0% after deductible | $100 | 0% after deductible |
| Tier 4: Non-Pref Brands | $100 | $180 | $400 | 0% after deductible | 40% after deductible | 0% after deductible |
| Tier 5: Specialty | $600 | $600 | $600 | 0% after deductible | 40% after deductible | 0% after deductible |
| Availability | ON-EXCHANGE | ON-EXCHANGE | ON-EXCHANGE | ON + OFF | OFF-EXCHANGE | OFF-EXCHANGE |
| SILVER HSA | BRONZE HSA | SILVER PLUS HSA | BRONZE PLUS HSA | |
|---|---|---|---|---|
| Deductiblea specified amount of money that the insured must pay before an insurance company will pay a claim. | $3,300 Individual $6,600 Family | $6,650 Individual $13,300 Family | $4,000 Individual $8,000 Family | $6,400 Individual $12,800 Family |
| Out-of-Pocket MaximumAn out-of-pocket maximum is the most you'll have to pay during a policy period (usually a year) for health care services | $6,650 Individual $13,300 Family | $6,650 Individual $13,300 Family | $6,650 Individual $13,300 Family | $6,400 Individual $12,800 Family |
| CoinsuranceWhat % you pay after your deductible has been met and before your out of pocket max | 20% after deductible | 0% after deductible | 15% after deductible | 0% after deductible |
| Preventive Care | No charge | No charge | No charge | No charge |
| Primary Care | 20% after deductible | 0% after deductible | 15% after deductible | 0% after deductible |
| Specialist Care | 20% after deductible | 0% after deductible | 15% after deductible | 0% after deductible |
| Urgent Care | 20% after deductible | 0% after deductible | 15% after deductible | 0% after deductible |
| Emergency Room (Facility) | 20% after deductible | 0% after deductible | 15% after deductible | 0% after deductible |
| Lab/X-Ray | 20% after deductible | 0% after deductible | 15% after deductible | 0% after deductible |
| Inpatient Hospital | 20% after deductible | 0% after deductible | 15% after deductible | 0% after deductible |
| Outpatient Hospital | 20% after deductible | 0% after deductible | 15% after deductible | 0% after deductible |
| Tier 1: Preventive | $0 | $0 | $0 | $0 |
| Tier 2: Generics | $15 after deductible | 0% after deductible | $20 after deductible | 0% after deductible |
| Tier 3: Pref Brands | 20% after deductible | 0% after deductible | 15% after deductible | 0% after deductible |
| Tier 4: Non-Pref Brands | 20% after deductible | 0% after deductible | 15% after deductible | 0% after deductible |
| Tier 5: Specialty | 20% after deductible | 0% after deductible | 15% after deductible | 0% after deductible |
| Availability | ON-EXCHANGE | ON-EXCHANGE | OFF-EXCHANGE | OFF-EXCHANGE |
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Bright Health 2018 Coverage Map
About Their Network
“We are a committed leader in the transformation of healthcare delivery to meet the needs of consumers. Offering Medicare Advantage plans with Bright Health aligns with our goal to increase consumers’ access to convenient, high-quality, affordable care and deliver optimum health value.”
Bright Health is collaborating with existing Care Partner Centura Health, an organization known for offering Coloradans high-quality care, making healthcare more accessible and promoting lifelong health. The partnership with Centura Health and its clinically integrated network of care, Colorado Health Neighborhoods, has enabled Bright Health to deliver consumers a network that’s both affordable and comprehensive—and one that now includes Medicare Advantage. In total, Bright Health members will have access to more than 6,000 network providers across 600 clinics, 15 Centura Health hospitals in Colorado and 1,300 Centura Health affiliated primary care providers. “Bright Health and Centura Health are dedicated to offering affordable and higher quality healthcare to individuals and their families,” said Bob Sheehy, Bright Health’s co-founder and chief executive officer. “With Centura’s extensive provider base in its Colorado Health Neighborhoods network, along with its hospitals, Neighborhood Health Centers and new non-traditional care options, Bright Health members will experience the benefits of an integrated, personalized approach to healthcare delivery focused on health and wellness. Our way of doing business is designed to drive down healthcare costs, improve clinical outcomes, and enhance consumer and provider satisfaction—the result of which is a reimagined healthcare experience.” Said Gary Campbell, CEO of Centura Health, “We are a committed leader in the transformation of healthcare delivery to meet the needs of consumers. Offering Medicare Advantage plans with Bright Health aligns with our goal to increase consumers’ access to convenient, high-quality, affordable care and deliver optimum health value.” Bright Health first entered the Colorado market with individual plans for the 2017 plan year. The company has recently announced it intends to enter the Arizona and Alabama markets for the 2018 plan year. Bright Health’s health insurance plans are offered directly to consumers, via broker partners, and through public and private health insurance exchanges. Additional markets, Care Partnerships, and Medicare Advantage Plans are planned for 2018 and beyond. About Centura Health Centura Health connects individuals, families and neighborhoods across Colorado and western Kansas with more than 6,000 physicians and 21,000 of the best hearts and minds in health care. Through our 17 hospitals, two senior living communities, health neighborhoods, physician practices and clinics, home care and hospice services, and Flight For Life® Colorado, we are making the region’s best health care accessible and affordable in every community we serve. We believe you can inspire the people you care about to live healthier lives by encouraging them to do the little things that can make a big difference. We’re Centura Health, and we’re here for your health. For information on Centura Health or any of the facilities in our network, please visit http://www.centura.org/.