Choosing the right health plan can feel overwhelming. It’s essential to understand your options and find a plan that meets your individual or family’s needs and budget. At Univera Healthcare, we make it easy to Shop And Compare various health plans to help you make an informed decision. Let’s get started and explore the types of coverage available to you.
Understanding Your Coverage Needs
To begin, let’s consider what type of health coverage you are looking for. Are you over 65 or eligible for Medicare?
If Medicare isn’t applicable, let’s delve into some key questions to narrow down your ideal plan:
Do you need dental coverage?
Consider if you currently have stand-alone dental coverage and if you plan to keep it. Dental health is an important part of overall well-being, and having a comprehensive dental plan can help manage costs associated with preventative and restorative care.
Who needs coverage?
Are you looking for coverage for yourself, or for your family as well? Knowing who you need to cover is crucial in determining the right plan type and ensuring everyone’s healthcare needs are met.
Do you have dependents aged 26 to 29 who need coverage?
Young adults up to age 29 may be eligible for coverage under certain plans. If you have dependents in this age range, it’s important to check if a plan can extend coverage to them. View eligibility criteria
For those seeking dental coverage, we offer two distinct options to shop and compare:
Univera Healthcare Healthy Smile Dental
- Best Fit: Comprehensive dental coverage designed for adults and families, encompassing cleanings, exams, fillings, and a wide range of other services.
- Key Feature: Lower Premium option available.
Univera Healthcare Healthy Smile Family Dental
- Best Fit: Similar to the Healthy Smile Dental plan, offering comprehensive coverage for adults and families, including cleanings, exams, fillings, and more.
- Key Feature: Lower Premium option specifically for families.
Univera Healthcare Healthy Smile Premier Dental
- Best Fit: Provides the same comprehensive adult and family dental coverage as the basic plans but with reduced out-of-pocket costs for Class II services, such as fillings.
- Key Feature: Higher Premium, but potentially lower costs for certain services.
Explore Univera Healthcare Plan Options
Univera Healthcare offers a variety of health plan options to suit different needs and budgets. When you shop and compare, consider these key plan types:
Qualified Health Plans
You can purchase a Qualified Health Plan directly from Univera Healthcare or through the NY State of Health (NYSOH)Opens in a new Tab marketplace. It’s important to note that financial assistance is exclusively available through NYSOH for those who qualify. those who qualifyOpens a dialog Shopping through NYSOH allows you to see if you are eligible for subsidies that can lower your monthly premium costs.
Essential Plan
The Essential Plan is a valuable option to shop and compare, especially if you have a low to moderate income and do not qualify for Medicaid. This plan offers a $0 premium for eligible individuals and provides the same essential health benefits as other, more costly plans. It’s a great way to access quality healthcare without the burden of monthly payments.
Medicaid & Child Health Plus
For individuals, families, and children who need affordable or no-cost healthcare, our state-sponsored programs are worth exploring. These include Medicaid Managed Care, Child Health Plus, and other programs designed to ensure access to care for New York residents. Shop and compare these programs to see if you or your family qualify.
Dental Plans
Our individual and family dental plans provide comprehensive coverage for preventive and routine dental services. These services include regular cleanings, fluoride treatments, sealants, exams, x-rays, and even more extensive procedures like root canals. Investing in a dental plan is an investment in your long-term oral health.
Income Levels by Family Size for Financial Assistance
| Financial Assistance Eligibility by Annual Income Level* |
|---|
| Family Size |
| Single person |
| Family of two |
| Family of three |
| Family of four |
| Family of five |
| Family of six |
Important Note: If you are eligible for financial assistance, you must apply through NY State of Health.
* Source: 2024 Federal Income Guidelines: Department of Health and Human Services. **Tax credits are available when premiums exceed 8.5% of income.
Find Your Perfect Plan Today
Shopping for health insurance doesn’t have to be complicated. By understanding your needs and exploring the different plan types offered by Univera Healthcare, you can confidently compare options and select the coverage that is right for you and your family. Start shopping and comparing today to find your perfect health plan!
