When shopping for a Marketplace plan, you'll notice that all plans – including BlueCross BlueShield of Tennessee plans – have different “metal” levels that give you a general idea of how much coverage the plan provides.
As of October 1, 2013, all plan levels will cover the same types of care and services, like doctor visits and hospital stays. The difference will be in how much you pay each month for your insurance (the premium) versus how much out-of-pocket expense you pay when you get care. Here's how it works:
For example, choosing a Bronze plan will generally mean you'll have a lower premium cost, but when you get care, you'll pay more of the out-of-pocket expense. And if you choose a Platinum plan, the premium goes up, but your share of the expenses when you get care goes down.
This is an estimate for a 2014 plan and does not include any cost savings you may be eligible for from the federal government. Your actual rate will depend on information entered in your application for coverage.
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