Nov 13, 20191 min read

Covered California: Coverage Levels/Metal Tiers

#CoveredCalifornia #PrescriptionDrug #Medication #HealthBenefits

全民健保醫療計劃以及個人或團體中的所有醫療計劃均以四個主要保險級別為主：銅、銀，金和白金。不同的保險級別，計劃內所涵蓋給付的醫療費用所佔百分比也將有所增加。級別較高的計劃相對來說月費較高，但是當您需要醫療服務時，您所需要支付的費用則較少。如果您選擇月費較低的計畫，那麼當您需要醫療服務時，您將支付較多的費用。

Covered California health insurance plans — and all health plans in the individual and small-group markets — are sold in four primary levels of coverage: Bronze, Silver, Gold and Platinum. As the metal category increases in value, so does the percentage of medical expenses that a health insurance plan covers, compared with what you are expected to pay in copays and deductibles. Plans in the higher metal tiers have higher monthly premiums, but you pay less when you need medical care. If you choose to pay a lower monthly premium, then you will pay more when you need medical care.