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Understand Insurance

Why Do I Need Insurance?

Unfortunately health issues and accidents happen, and getting sick or hurt without coverage is more expensive.

For example, the cost of a broken arm is more than $2,500, and if requiring surgery, can be several times that. If a hosptial stay is required, add in another average cost of $7,400.

With insurance, you'll always know what your monthly costs are and be covered if there's an emergency. Research your options to find a plan that best fits within your budget.

What Are My Covered Benefits?

While your coverage depends on the plan you choose, certain things are always covered on plans sold on the Public Marketplace:

  • Doctors visits, including well woman visits, care when you’re sick, and checkups to stay healthy
  • Emergency room trips
  • Hospital stays
  • Care before and after your baby is born
  • Mental health and substance abuse care
  • Screening and counseling for domestic violence
  • Screening and counseling for sexually transmitted infections and HPV
  • Certain prescription drugs
  • Contraceptive counseling and methods
  • People and tools to help you get better when you’re hurt
  • Lab tests
  • Check-ups, shots, and tests to keep you from getting sick or to catch it early
  • Pediatric care, like dental and vision checks, for kids

Plans through your employer or private plans you buy directly from us can also include these benefits.

Learn more about the Affordable Care Act (ACA) and its requirements.

Additional Perks

Many plans also cover vision and dental care. While it may raise costs, make sure you check for these if you need them.

We also give our members: