Health Insurance Advantage Review

#8 in Health Insurance

Health Insurance Advantage specializes in helping people find budget-friendly health insurance plans. It matches people and their health insurance needs with available health insurance plans from leading health insurance providers. Services include health insurance plan comparisons for individual and group health insurance plans with fast approval processing.

What’s Included with Health Insurance Advantage?

  • Preventive care services
  • Primary care
  • Diagnostic test and imaging
  • Outpatient Surgery
  • Immediate medical attention
  • Prescription drugs
  • Mental health, behavioural health, or substance abuse needs
  • Hospital stay
  • Child dental or eye care
  • Pregnancy care
  • Rehabilitation and habilitation services

Types of Health Insurance Plans

Businesses and Organizations

Yes

Individuals and Families

Yes

Short-Term Health Insurance

Yes

*Please check your provider if they offer the stated health insurance plans above

Plans Reviewed

Bronze Tier

  • Overall deductibles: $5,000 per individual and $10,000 per family
  • Other deductibles: $65 per child for pediatric dental service.
  • No annual maximum limit on specific covered services
  • Out-of-pocket limit: $6,500 per individual with pediatric dental fee of $350 per child and $700 for 2 or more children
  • Requires a referral for a customer to see a specialist
  • Other covered service: Chiropractic care

Silver Tier

  • No overall annual limit on selected covered services
  • Out-of-pocket limit: $6,500 per individual. Dental service is limited to $350 per child or $700 per 2 or more children
  • Overall deductibles: $2,500 per individual and $5,000 per family. Does not apply to preventive care services.
  • Do not require referral to visit a specialist
  • Other covered service: Chiropractic care

 

Gold Tier

 

  • Out-of-pocket limit: $6,500 per individual. Dental service is limited to $350 per child or $700 per 2 or more children
  • No annual maximum limit on specific covered services
  • Requires referral to see a specialist
  • Overall deductibles: $250 per person and $500 per family
  • Other deductibles: $65 per child for pediatric dental service
  • Other covered service: Chiropractic care

Platinum Tier

  • Overall deductibles: $0 for both individuals and families
  • Out-of-pocket limit: $3,500 per individual. Pediatric dental service is limited to $350 per child and $700 for 2 or more children.
  • No overall annual limit on specific covered services
  • Other deductibles: $65 per child for pediatric dental service
  • Requires referral to see a specialist
  • Other covered service: Chiropractic care

How Much Does It Save You?

 

Bronze

Silver

Gold

Platinum

Services Offered

In-Network

(Your Cost)

Out-of-Network

(Your Cost)

In-Network

(Your Cost)

Out-of-Network

(Your Cost)

In-Network

(Your Cost)

Out-of-Network

(Your Cost)

In-Network

(Your Cost)

Out-of-Network

(Your Cost)

Diagnostic Test

30% co-insurance after deductible

Not covered

30% co-insurance after deductible

(no charge for lab work at certain participating labs)

Not covered

$75 co-pay per visit

(no charge for lab work at certain participating labs)

Not covered

$75 co-pay per visit

(no charge for lab work at certain participating labs)

Not covered

Imaging

30% co-insurance after deductible

Not covered

$200 co-pay per visit after deductible

Not covered

$500 co-pay per visit

Not covered

$200 co-pay per visit

Not covered

Primary Care

30% co-insurance after deductible

Not covered

Premier One Physicians: $15 co-pay per visit

AvMed Physicians: $30 co-pay per visit

Not covered

$30 co-pay per visit

Not covered

$10 co-pay per visit

Not covered

Preventive Care Service

None

Not covered

None

Not covered

None

Not covered

None

Not covered

Generic Drugs

30% co-insurance after deductible

(retail and mail order)

Not covered

Retail: $10 co-pay per prescription

Mail order: $25 co-pay per prescription

Not covered

Value Generics: $20 co-pay per prescription (retail)

$50 co-pay per prescription (mail order) Other Generics: $30 co-pay per prescription (retail)

$75 co-pay per prescription (mail order)

Not covered

Value Generics: $3 co-pay per prescription (retail) $7.50 co-pay per prescription (mail order) Other Generics: $9 co-pay per prescription (retail)

$22.50 co-pay per prescription (mail order)

Not covered

Specialty Drugs

30% co-insurance after deductible

(for retail only)

Not covered

50% co-insurance after deductible (for retail only)

Not covered

50% co-insurance (for retail only)

Not covered

50% co-insurance (for retail only)

Not covered

Urgent Care

30% co-insurance after deductible

30% co-insurance after deductible

Urgent care facility: $75 co-pay per visit after deductible

Retail clinic: $30 co-pay per visit after deductible

 

Urgent care facility and retail clinic: $75co-pay per visit after deductible

Urgent care: $75 co-pay per visit

Retail clinic: $30 co-pay per visit

Urgent care: $75 co-pay per visit

Retail clinic: $30 co-pay per visit

Urgent care: $50 co-pay per visit

Retail clinic: $10 co-pay per visit

Urgent care: $50 co-pay per visit

Retail clinic: $10 co-pay per visit

Emergency Room Services

30% co-insurance after deductible

30% co-insurance after deductible

30% co-insurance after deductible

30% co-insurance after deductible

$500 co-pay per visit

$500 co-pay per visit

$375 co-pay per visit

$375 co-pay per visit

Emergency Medical Transportation

30% co-insurance after deductible

30% co-insurance after deductible

30% co-insurance after deductible

30% co-insurance after deductible

$150 co-pay per one way transport

$150 co-pay per one way transport

$150 co-pay per one way transport

$150 co-pay per one way transport

Hospital Stay

30% co-insurance after deductible

Not covered

30% co-insurance after deductible

Not covered

Facility fee: $750 co-pay per day for the first 3 days

Physician/

surgeon fee: None

Not covered

Facility fee: $450 co-pay per day for the first 3 days

Physician/

surgeon fee: None

Not covered

Prenatal and Postnatal Care

30% co-insurance after deductible

Not covered

$15 co-pay per 1st visit only

Not covered

$30 co-pay per 1st visit only

Not covered

$10 co-pay per 1st visit only

Not covered

Mental/Behavioral Health Outpatient Services

30% co-insurance after deductible

Not covered

$30 co-pay per visit

Not covered

$30 co-pay per visit

Not covered

$10 co-pay per visit

Not covered

Mental/Behavioral Health Inpatient Services

30% co-insurance after deductible

Not covered

30% co-insurance after deductible

Not covered

$750 co-pay per day for the first 3 days

Not covered

$450 co-pay per day for the first 3 days

Not covered

Substance Use Disorder Outpatient Services

30% co-insurance after deductible

Not covered

$30 co-pay per visit

Not covered

$30 co-pay per visit

Not covered

$10 co-pay per visit

Not covered

Substance Use Disorder Inpatient Services

30% co-insurance after deductible

Not covered

30% co-insurance after deductible

Not covered

$750 co-pay per day for the first 3 days

Not covered

$450 co-pay per day for the first 3 days

Not covered

Habilitation and Rehabilitation Service

30% co-insurance after deductible

Not covered

30% co-insurance after deductible

Not covered

$60 co-pay per visit

Not covered

$20 co-pay per visit

Not covered

Outpatient Surgery

30% co-insurance after deductible

Not covered

30% co-insurance after deductible

Not covered

Facility fee: $700 co-pay per visit

Physician/ surgeon fees: None

Not covered

Facility fee: $350 co-pay per visit

Physician/ surgeon fees: None

Not covered

 

Annual Maximum

Bronze

None

Silver

None

Gold

None

Platinum

None

Summary

Health Insurance Advantage is a great source for low-cost health plans from known health insurance providers. Simple online application, quick quote comparisons and fast approval processing makes Health Insurance Advantage a must visit for health insurance shoppers.

Start your review for Health Insurance Advantage