🇺🇸 Elevance Health – Complete Guide to Insurance Plans in the USA
Elevance Health (formerly Anthem) is one of the nation’s largest health insurers, offering a wide range of plans under multiple brands like Blue Cross Blue Shield affiliates, Amerigroup, and Anthem. Their offerings cover individuals, families, employers, seniors, and low-income groups across all life stages.
🧍 Marketplace (ACA) Plans
Plan Categories: Bronze, Silver, Gold, Platinum, and Catastrophic
Designed for adults aged 18–64, these plans vary by cost-sharing and coverage levels:
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Bronze: Lowest premium, highest out-of-pocket costs—best for healthy individuals.
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Silver: Mid-tier, eligible for cost-sharing savings—good for families.
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Gold: Higher premiums, lower costs at point-of-service—ideal for frequent care users.
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Platinum: Highest premiums and most coverage—designed for heavy healthcare needs.
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Catastrophic: Available to those under 30 or with hardship exceptions—very low premiums, high deductibles.
Typical Benefit Features:
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Deductibles range from a few thousand up to federal caps (~$9,800).
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Out-of-pocket maximums are near ACA limits (~$9,450).
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Includes essential health benefits, preventive care, prescriptions, and maternity services.
🏥 Short-Term & Catastrophic Plans
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Short-Term Plans (30 Days–1 Year): Temporary coverage during job transitions—basic benefits and limited preventive care.
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Catastrophic Plans: Extreme out-of-pocket protection for individuals under 30 or with financial hardship.
🏢 Employer-Sponsored Group Plans
Small-Group Plans (<50 Employees):
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Options with HMO, PPO, and HDHP designs.
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Annual deductibles between $1,000–$3,000.
Large-Group Plans (50+ Employees):
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Includes HDHPs with HSAs, PPOs, HMOs.
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Deductibles from $500–$4,000; tailored wellness perks.
Wellness Additions: Fitness reimbursements, wellness challenges, and digital coaching.
🧑⚕️ Medicaid & Dual-Eligible Plans
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Medicaid Managed Care: No premiums/deductibles; includes full Medicaid benefits.
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Dual-Eligible Special Needs Plans (D-SNP): Comprehensive coverage for those qualifying for both Medicare and Medicaid—including dental, vision, transportation, OTC allowances.
👴 Medicare Plans
Medicare Advantage (Part C)
Combines Parts A, B, and typically D (drug coverage), plus extras:
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Plan Types: HMO, PPO, PFFS, and SNPs
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Premiums: Many plans offer $0 monthly premiums
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Out-of-Pocket Maximums: Typically between $3,900–$8,000/year
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Included Benefits: Primary care, Rx, dental, vision, hearing, gym memberships, OTC allowances, and nutrition/spa cards
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Copays: Often $0 for primary care visits, preventive screenings.
Medigap (Supplemental Insurance)
Covers gaps in Medicare Parts A/B costs (deductibles, copays):
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Available plans: A–N
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Monthly premiums vary by plan and region.
Prescription Drug Plans (Part D)
Prescription coverage available within Advantage plans or standalone; premiums range $30–$70/month.
🦷 Supplementary & Wellness Plans
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Dental Only: Cleanings, X-rays, fillings, and major procedures.
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Vision Only: Exams, glasses, contacts.
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Critical Illness & Hospital Indemnity: Lump-sum hospital stay benefit or coverage for illnesses like cancer or stroke.
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Behavioral Health Packages: Inpatient/outpatient therapy and counseling.
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International Coverage: Emergency care and evacuation for U.S. citizens abroad.
💻 Digital Tools & Support Features
Elevance's members enjoy:
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A mobile app for claims, virtual visits and network info.
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Telehealth visits often at $0 copay.
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Prepaid benefits card for extras (e.g., healthy groceries, OTC medication, utility support).
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SilverSneakers or equivalent fitness memberships for Medicare Advantage members.
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Member Connect program enhancing care coordination and reducing hospital visits.
✍ Final Thoughts
From ACA marketplace plans to robust Medicare Advantage packages and ancillary wellness options, Elevance Health provides comprehensive coverage tailored for nearly every demographic and life event. Their focus on digital ease, whole-health solutions, and value-add extras make them a top choice in American health insurance.
Official Website: https://www.elevancehealth.com
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