All CareSource plans on
the Marketplace include:

  • Preventive and wellness services (such as mammograms, diabetes screenings, flu shots and more)
  • Outpatient services (such as primary care and specialty doctor visits, urgent care services, diagnostic testing and more)
  • Hospitalization (such as surgery)
  • Prescription drugs
  • Emergency services
  • Mental health and substance use disorder services, including behavioral health treatment (includes counseling and psychotherapy)
  • Pediatric health and vision services
  • Maternity and newborn care
  • Laboratory services
  • Rehabilitative services and devices (to help people with injuries, disabilities, or chronic conditions gain or recover mental and physical skills)

What’s new for 2017

Pediatric dental (including orthodontia)

Our Gold, Silver, and Bronze plans now offer pediatric dental (including orthodontia).

Fitness club membership

You can now join a fitness center network or get at-home fitness kits when you choose one of our Gold, Silver, or Bronze Dental & Vision plans.

Low premium Silver plans

Get the lowest premium of all of our Silver level plans when you choose a Low Premium Plan.

Federal Standard health plans

Our Simple Choice plan benefits are the same for every health insurer, but the provider networks, monthly premiums, added benefits, and medications covered vary.

More health providers (doctors, hospitals, clinics, etc.)

Getting care from our network providers means better rates for services. Since you get a Managed Care HMO Plan, tapping into our care network helps you make the most of your coverage. We’ve added more providers so you have more choices for care.

Gold, Silver and Bronze

Gold: Lower out of pocket costs and higher premiums.

Silver: Lower premiums and higher out of pocket costs.

Best value if you qualify for tax credits and cost sharing.

Bronze: Lowest premiums and highest out of pocket costs.

Includes pediatric vision and dental (including orthodontia) benefit amounts vary based on income and plan level

Plan Details

Gold, Silver and Bronze Dental & Vision

Same benefits as our Gold, Silver and Bronze plans, but includes Dental and Vision coverage for adults.

All include: Optional Fitness Club Membership.

Includes pediatric vision and dental (including orthodontia) benefit amounts vary based on income and plan level.

Plan Details

Federal Simple Choice

Federal Standard plans. The costs of these plans are the same (besides premiums) for every health insurer, but the provider networks, monthly premiums, added benefits and medications covered vary.

Available in Gold, Silver and Bronze.

Includes pediatric vision.

Plan Details

Low Premium

These plans have the lowest premiums of our Silver plans, but much higher deductibles and less benefit options.

Available in Silver only.

Includes pediatric vision.

Plan Details

Cost sharing is only applicable to Silver level plans. Both tax credits and cost sharing are based on income and determined by the Health Insurance Marketplace.

1Enter Details
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2Choose Option
3Cost Estimate
PREMIUM
 
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SUBSIDY
 
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Estimate only.
Please read disclaimer below.

4Your Estimated Plan Summary

$0/month*

CareSource monthly premium is $0.
You could receive a government tax credit subsidy for $0 per month.

Estimate Disclaimer

This tool provides an estimate of the amount of federal premium assistance (i.e., Advanced Premium Tax Credit Subsidy) that may be available to lower the cost of health insurance purchased directly by an individual through the Health Insurance Marketplace. The results are only estimates, and actual federal premium assistance may vary. The premium and subsidy amounts displayed are estimates only and the actual amounts of subsidy eligibility may differ. This tool does not factor in family members with other health coverage from an employer, Medicaid/CHIP, or Medicare. Exact calculations of federal premium assistance will occur when an individual’s eligibility is determined and the individual enrolls through the Health Insurance Marketplace at healthcare.gov. This tool is not an application for insurance or an offer to provide or guarantee insurance coverage. Using this tool does not require you to enroll in any product or service. This tool does not provide legal, financial, or tax advice of any kind and is intended for informational purposes only. The information provided by this tool does not constitute an official calculation of your potential Advanced Premium Tax Credit. Consult the Health Insurance Marketplace website (healthcare.gov) for more information about your eligibility.

What do I Pay?

Health insurance costs can be confusing. That’s why it’s important that you understand what you pay and what CareSource pays when you use your benefits. Learn more about how to pay.


Premium

A premium is an amount you pay for your insurance plan each month.

Learn More

You pay this amount even if you don't use medical care that month. Your health insurance premium is similar to your auto insurance premium. You pay it monthly so that you are covered when you need it.


Coinsurance & Copayment

Coinsurance & copayments (or copays) are set amounts you pay each time you use some services, such as going to see your primary care provider or specialist.

Learn More

When services have a coinsurance or copay, you pay the health care provider that amount, usually at the time of service. CareSource pays the provider the balance of the bill.

  • Coinsurance is typically a percent of a bill.
  • Copayment is typically a set dollar amount.

If...

Your copayment for a primary doctor’s office visit is $20.

You visit your doctor, and the amount is $125.

You pay the doctor the $20 copayment.

CareSource pays the doctor $105.

If...

Your coinsurance for a medical procedure is 30 percent.

The amount of the medical procedure is $600.

You pay the provider 30 percent or $180.

CareSource pays the remaining 70 percent or $420.


Deductible

An amount of money that insurance plans require you to pay once a year before CareSource starts to pay its share.

Learn More

The deductible does not apply to all health care services. For example, doctor’s office visits to your primary care provider do not have an annual deductible. Even if you have not yet met your annual deductible, you can still see your primary care provider. You may have to pay a copay for a primary care visit, depending on your plan.

For some services, CareSource pays eligible expenses after you have met your annual deductible. When services have an annual deductible, you pay the health care provider for services until you have met the annual deductible amount. CareSource pays the provider for eligible expenses after you have paid this amount. Your annual deductible starts over every January.

If...

Your copay for a primary care (doctor’s office) visit is $20.

You visit your doctor, and the amount is $125.

You pay the doctor the $20 copayment.

CareSource is responsible for the remainder of the amount, $105.

To visit the emergency room (ER), a deductible does apply.

If...

Your plan requires you to pay $300 for an ER visit after you’ve met your deductible.

Your annual deductible is $200, and your ER amount is $2,200.

This means you need to pay $200 to meet your deductible plus the $300 copay for the ER visit.

CareSource is responsible for the remainder of the amount, $1,700.

At this point, you have met your annual deductible of $200 for the year.

This deductible applies to other services too. After you have met your annual deductible (in this example, $200), any service that has a deductible will only require you to pay the copay or coinsurance amount for the rest of the year.

Please note that not all out-of-pocket costs go toward meeting your deductible. Coinsurance, copays and premiums do not count toward your annual deductible.

As in the example above, the $20 copay for the doctor’s office visit did not go toward the $200 deductible amount.


Out-of-Pocket

Out-of-pocket costs are what you pay during the year through deductibles, copays and coinsurance.

Learn More

Premiums and services not covered by CareSourcedo not count toward your out-of-pocket maximum. After you meet your annual out-of-pocket maximum, CareSource begins to pay 100 percent for covered health benefits. Your out-of-pocket maximum starts over each January.

If...

Your annual out-of-pocket maximum is $650, and your annual deductible is $200.

You visit the ER, and the amount is $2,200.

Your plan requires you to pay $300 for an ER visit after you’ve met your deductible.

This means you need to pay $200 to meet your deductible plus the $300 copay for the ER visit.

CareSource is responsible for the remainder of the amount, $1,700.

At this point, you have paid $500 toward your out-of-pocket maximum and have met your deductible.

Now, your doctor recommends that you have a magnetic resonance imaging (MRI) scan.

If...

Your plan requires you to pay $150 for an MRI after meeting your deductible.

The MRI amount is $2,500.

Because you’ve already met your deductible, you pay the $150 copay and CareSource is responsible for the remaining $2,350.

At this point, you have met your $650 annual out-of-pocket maximum. For the rest of the benefit year, CareSource will pay 100 percent of covered services as defined in the plan’s Summary of Benefits and Coverage or Schedule of Benefits. To find these documents for your CareSource plan, access our Plan Details.

Want to learn more about paying for insurance, enrolling in a plan and coverage and benefits? Access our Frequently Asked Questions for more information.

How Can I Save?

When you enroll, the Health Insurance Marketplace determines your eligibility for cost savings based on your income and family size.

LEARN MORE

Two types of cost savings through the Health Insurance Marketplace:

  • Cost sharing reduction (Silver plans only)
  • Advance premium tax credit (or subsidy)

Cost Sharing Reduction

A cost sharing reduction is a discount that lowers the amount you have to pay out-of-pocket for deductibles, coinsurance and copayments.

Learn More

When you enroll through the Marketplace and review the plans you qualify for, this discount will be built into your Silver level plans. This discount is what makes the Silver plans so cost effective.


Advance Premium Tax Credit

An advance premium tax credit is a tax credit or subsidy that can be used in two ways.

Learn More

If you use the tax credit to lower your monthly premiums, you get the savings throughout the year. If you apply your tax credit to next year’s tax return, you increase your chance of getting money back at tax time. You decide how to use your tax credit when you enroll through the Health Insurance Marketplace.

  • Right away to lower your monthly premium payments
  • When you file your federal tax return

Find out why a CareSource insurance plan is just right for you.  Review our Frequently Asked Questions (FAQs) for answers to your questions.

CareSource Plans

  • CareSource Plans

    • Who is CareSource?
      • Navigate

        CareSource is a managed care company that provides managed health coverage to more than a million members. We pride ourselves on understanding our members and helping them understand and access their health insurance services.

        We provide quality and affordable health insurance in Ohio, Kentucky, West Virginia and Indiana.

    • What type of coverage does CareSource provide on the Health Insurance Marketplace?
      • Navigate

        CareSource offers affordable health insurance options with no limits due to pre-existing conditions or annual benefit caps. And many people who are uninsured may even qualify for cost savings to make it more affordable.

    • What is the benefit of choosing CareSource?
      • Navigate

        Unlike many other insurance companies, CareSource is a nonprofit organization focused more on people than profits. We pride ourselves on understanding our members and helping them understand and access their health insurance services.

        CareSource pre-negotiates out-of-pocket costs with our providers. This discounts many types of services and makes health care more affordable for you.

    • What is a Qualified Health Plan (QHP)?
      • Navigate

        The Patient Protection and Affordable Care Act, also known as health care reform, created rules for insurance plans offered through the Health Insurance Marketplace. The plans that meet these rules are defined as "Qualified Health Plans" or “QHPs.” CareSource is an insurance plan that meets these rules. 

    • What are the different “metal levels” of CareSource plans?
      • Navigate
        CareSource plans are separated into “metal level” categories of Silver, Gold and Bronze, based on how you and CareSource share the costs of care. These categories have nothing to do with the quality or amount of care you get.
    • How do I know what plan is right for me?
      • Navigate

        CareSource plans are separated into “metal level” categories of Bronze, Silver and Gold, based on how you and CareSource share the costs of care. You can also select a dental and vision individual or family plan. A few key questions can help you decide which plan is right for you:

        • Do you want health insurance for yourself or your family?
        • Do you want dental and vision coverage?
        • How often do you think you’ll use your health care benefits, like going to the doctor, filling a prescription, or going to a specialist (like a heart doctor)?
        • Do you qualify for subsidies through the Marketplace?
  • Enrollment

    • How do I enroll in a CareSource Plan?
      • Navigate
        You can enroll in a CareSource plan online after November 1, 2016 or earlier if you qualify for a Special Enrollment Period (SEP):
        1. Begin by collecting the following information for yourself and the family members you want to enroll:
          • Social Security number or document number for legal immigrants
          • Employer and income information, for example, wage and tax statements from pay stubs or W-2 forms for the most recent year
          • Policy number if currently covered by health insurance
          • Information about the employer’s health insurance plan if eligible for employer health insurance coverage (even if the coverage is offered through another person’s job, for example, a spouse’s or a parent’s), for example, whether the plan covers the employee’s spouse or dependents and how much the plan costs
          • If you had Marketplace coverage in 2015, you'll need plan materials from your current plan that contain your plan ID
        2. Select Enroll on the CareSource.com/Marketplace main landing page. Enter your ZIP code, and then select a county if it asks.
        3. The system will then connect you to the Health Insurance Marketplace. You will enter a separate username and a password of your choice for the Marketplace, then complete a form used to verify your eligibility and see if you qualify for cost savings. It will also let you know if you or your family members are eligible for other health care coverage programs such as Medicaid or the Children’s Health Insurance Program (CHIP).  Note: This process may take 20+ minutes. If you stop during the process, you can use your Marketplace login to begin where you left off.
        4. After you complete the enrollment form to determine your cost savings and eligibility, you’ll come back to the CareSource website where the information will be used to generate quotes based on your options.
        5. You can then compare and select a plan, select a primary care provider (PCP), make a payment and complete the enrollment process.

        Ready to enroll?  Click here to begin. You can also call CareSource Customer Service at the following numbers. A friendly, licensed Marketplace Insurance Specialist will walk you through the enrollment process.

        Indiana: 1-855-202-0622
        Kentucky: 1-888-815-6446
        Ohio: 1-800-479-9502
        West Virginia: 1-855-202-0622
    • How do I find out if I qualify for savings?
      • Navigate

        When you enroll, the Health Insurance Marketplace will determine your eligibility for cost savings based on your income and family size. You can estimate your cost savings and shop for CareSource plans before you enroll using our Estimate tool.

    • What cost savings are available?
      • Navigate

        If you qualify based on income and family size, you can get two types of cost savings through the Health Insurance Marketplace:

        • Cost sharing reduction
        • Advance premium tax credit (subsidy)

        A cost sharing reduction is a discount that lowers the amount you have to pay out-of-pocket for deductibles,coinsurance and copayments.

        When you enroll through the Marketplace and review the plans that you qualify for, this discount will be built into your Silver level plans. This discount is what makes the Silver plans so cost effective.

        An advance premium tax credit is a tax credit or subsidy that you can use either:

        • Right away to lower your monthly premium payments
        • When you file your federal tax return

        If you use the tax credit to lower your monthly premiums, you get the savings throughout the year.

        If you apply your tax credit to next year’s tax return, you increase your chance of getting money back at tax time. You decide how to use your tax credit when you enroll through the Health Insurance Marketplace.

    • How much time will it take to enroll?
      • Navigate

        It may take 20 - 45 minutes to enroll through the Health Insurance Marketplace and determine your eligibility for cost savings. We recommend you gather all of the information needed for enrollment before you begin to speed the process.

    • What information do I need before I begin the enrollment process?
      • Navigate

        You’ll need the following information for yourself and the family members you want to enroll:

        • Social Security number or document number for legal immigrants
        • Employer and income information, for example, wage and tax statements from pay stubs or W-2 forms
        • Policy number if currently covered by health insurance
        • Information about the employer’s health insurance plan if eligible for employer health insurance coverage (even if the coverage is offered through another person’s job, for example, a spouse’s or a parent’s)
        • If you had Marketplace coverage in 2015, you’ll need plan materials from your current plan that contain your Plan ID
    • I’m having technical issues with my browser while trying to enroll through the Marketplace. What can I do?
      • Navigate

        You can make sure that your internet browser (for example, Microsoft Internet Explorer, Google Chrome or Mozilla Firefox) is up to date before starting the enrollment process.

        If you are having issues enrolling with your current browser, you might try installing and using a different browser. For example, if you’ve had problems enrolling using Internet Explorer, you may want to install Google Chrome.

        See below for instructions to update or install the most commonly used internet browsers.

        Microsoft Internet Explorer (IE)

        Microsoft uses the Windows Update feature to install the latest version of IE. If you have installed all of the latest updates from Microsoft, you should be running the latest version of IE. To check for updates, access the Start menu, select All Programs, and then click Windows Update.

        You can click here to install the most current version of IE.

        Google Chrome

        Chrome is updated automatically when updates are released to the public. To find out if you are running the most current version, access the Menu icon and then click About Google Chrome. If Chrome is up to date, you will see a check mark with the statement “Google Chrome is up to date.” When updates are available, they will display on the Menu.

        To install Google Chrome, click here.

        Mozilla Firefox

        When updates are available, Firefox automatically downloads them and prompts you to install them. To check to see if your version of Firefox is up to date, access the File menu and click Help. If you don’t see the File menu you can press the Alt key. On the Help menu, click About Firefox. If you are running the most up-to-date version, you will see the message “Firefox is up to date.” If not, you’ll have an option to download the latest updates.

        Click here to download and install the latest version of Firefox.

    • Do I need to complete the enrollment process during one sitting or can I save and come back later?
      • Navigate

        On CareSource.com:  Yes. If you enroll through CareSource, you will need to complete the enrollment process in one sitting.

        On heathcare.gov:  No. You do not have to complete the enrollment process in one sitting through the Health Insurance Marketplace at healthcare.gov. At any time, you can stop and save your work. When you return to finish the enrollment, you will enter the user ID and password that you created to re-access the enrollment process. The information that you entered originally will be there.

    • What happens after I enroll?
      • Navigate

        After you enroll in a CareSource plan, you will get a letter or email acknowledging your enrollment and providing basic information. After you pay your first premium payment in full, you will get an enrollment packet and ID card for the covered members of your family. In a separate mailing you’ll get your new member kit with important plan information.

        If you are unsure if you've successfully enrolled, contact a CareSource Marketplace Insurance Specialist at one of the numbers below:

        Indiana: 1-877-806-9284
        Kentucky: 1-888-815-6446
        Ohio: 1-800-479-9502
        West Virginia: 1-855-202-0622

    • English is not my native language. What are my enrollment options?
      • Navigate

        CareSource can help you enroll in a language you understand. Call Customer Service at 1-855-202-0622 (TTY: 1-800-982-8771 or 711) and we will get someone who can speak your language to help you.

        If you need help with the Marketplace, it is available through a toll-free call center staffed 24/7. Just call 1-800-318-2596. The Marketplace language line provides information in 150 languages. A Spanish website, www.cuidadodesalud.gov, is available and you can have a web chat in Spanish too.

  • Paying for Insurance

    • How do I pay my monthly premium?
      • Navigate

        When you enroll in a CareSource plan during open enrollment, you need to pay the first month’s premium in full in order to be covered. You won’t receive your ID card, member handbook and other important information until you pay your full bill. We recommend that you pay online or by phone to ensure that we receive and process your payment. If you elect to mail your first month's premium, please allow for mail delivery and processing time.

        You will receive a bill for your premium each month. Pay your premiums as early as possible each month. This lets us process and post your payment to your account. If we don’t have your payment by the end of the month, you are considered past due and your benefits are at risk.

        You can make premium payments using the following options:

        • Pay online: Sign in to My CareSource®  and pay with a major credit card, debit card or bank transfer. This is a free service to you.
        • Pay by phone: This free service is available by calling 1-855-202-0622.
        • Mail your payment: Send a check or money order to CareSource West VA Insurance, P.O. Box 630093, Cincinnati, OH 45263-0093. Please include your CareSource Member ID number on the check. This will ensure payment is posted to your account.
    • Will I receive a bill each month?
      • Navigate

        Yes. CareSource will send you a bill each month for the next month’s coverage. For example, you will receive a bill in January for February’s coverage. Pay your premiums as early as possible each month. This lets us process and post your payment to your account. If we don’t have your payment by the end of the month, you are considered past due and your benefits are at risk.

        When you enroll in a CareSource plan, you can choose to receive your monthly bills through email or a paper bill.

    • What happens if my monthly payment is late?
      • Navigate

        CareSource must provide a 90-day grace period during which you can bring your premium payments up to date and avoid having your coverage terminated. However, the grace period only applies if you have paid at least one month’s premium. If you haven’t paid your first month’s premium completely by the due date on your invoice, your policy may be cancelled.

        If, by the end of the 90-day grace period, the amount owed for all outstanding premium payments is not paid in full, CareSource can terminate coverage.

        In addition, during the first 30 days of the grace period, CareSource must continue to pay claims. However, after the first 30 days of the grace period, CareSource can hold off paying any health care claims for care received during the grace period, which means the enrollee may be responsible to cover any health care services they receive during the second and third months if they fail to catch up on the amounts they owe before the end of the grace period. We are supposed to inform health care providers when a member’s claims are being held. This could mean that providers will not provide care until the premiums are paid up so that they know they will be paid.

    • How do coinsurance and copayments work?
      • Navigate

        For some services, CareSource pays eligible expenses after you have paid a coinsurance or copayment amount.

        • Coinsurance is typically a percent of a bill.
        • Copayment is typically a set dollar amount.

        When services have a coinsurance or copayment amount, you pay the health care provider that amount, usually at the time of service. CareSource pays the provider the balance of the bill.

        As an example:

        If…
        Your copayment for a primary care (doctor’s office) visit is $20.
        You visit your doctor, and the amount is $125.
        You pay the doctor the $20 copayment.
        CareSource pays the doctor $105.

        If…
        Your coinsurance for a medical procedure is 30 percent.
        The amount of the medical procedure is $600.
        You pay the provider 30 percent or $180.
        CareSource pays the remaining 70 percent or $420.

        CareSource plans have low coinsurance and copayment amounts. Check out our NavigatePlan Comparison Brochure to compare our plans’ coinsurance and copayment amounts.

        To determine the services that have a coinsurance or copayment amount, refer to the Summary of Benefits and Coverage or the Schedule of Benefits for your CareSource plan.

        To find these documents, access the Plan Details:

    • How does an annual deductible work?
      • Navigate

        For some services, CareSource pays eligible expenses after you have met your annual deductible. When services have an annual deductible, you pay the health care provider for services until you have met the annual deductible amount. CareSource pays the provider for eligible expenses after you have paid this amount. Your annual deductible starts over every January.

        The deductible does not apply to all health care services. For example, doctor’s office visits to your primary care provider do not have an annual deductible. Even if you have not yet met your annual deductible, you can still see your primary care provider. You may have to pay a copayment for a primary care visit, depending on your plan.

        As an example:

        If…
        Your copayment for a primary care (doctor’s office) visit is $20.
        You visit your doctor, and the amount is $125.
        You pay the doctor the $20 copayment.
        CareSource is responsible for the remaining $105.

        To visit the emergency room (ER), a deductible does apply.

        If…
        Your plan requires you to pay $300 for an ER visit after you’ve met your deductible.
        Your annual deductible is $200, and your ER amount is $2,200.
        This means you need to pay $200 to meet your deductible plus the $300 copayment for the ER visit.
        CareSource  is responsible for the remainder of the amount, $1,700.

        At this point, you have met your annual deductible of $200 for the year.

        This deducible applies to other services too. After you have met your annual deductible (in this example, $200), any service that has a deductible will only require you to pay the copayment or coinsurance amount for the rest of the year.

        Please note that not all out-of-pocket costs go toward meeting your deductible. Coinsurance, copayments and premiums do not count toward your annual deductible. As in the example above, the $20 copayment for the doctor’s office visit did not go toward the $200 deductible amount.

        CareSource plans have low deductibles for medical services and no deductibles for medications. Check out our NavigatePlan Comparison Brochure to compare our plans’ deductible amounts.

        To determine the services that have an annual deductible, refer to the Summary of Benefits and Coverage or the Schedule of Benefits for your CareSource plan.

        To find these documents, access the Plan Details:

    • How does an annual out-of-pocket maximum work?
      • Navigate

        Out-of-pocket costs are what you pay during the year through deductibles, copayments and coinsurance. Premiums and services not covered by CareSource do not count toward your out-of-pocket maximum. After you meet your annual out-of-pocket maximum amount, CareSource begins to pay 100 percent for covered health benefits. Your out-of-pocket maximum starts over each January.

        As an example:

        If…
        Your annual out-of-pocket maximum is $650, and your annual deductible is $200.
        You visit the emergency room (ER), and the amount is $2,200.
        Your plan requires you to pay $300 for an ER visit after you’ve met your deductible.
        This means you need to pay $200 to meet your deductible plus the $300 copayment for the ER visit.
        CareSource is responsible for the remainder of the amount, $1,700.

        At this point, you have paid $500 toward your out-of-pocket maximum and have met your deductible.

        Now, your doctor recommends that you have a magnetic resonance imaging (MRI) scan.

        If…
        Your plan requires you to pay $150 for an MRI after meeting your deductible.
        The MRI amount is $2,500.
        Because you’ve already met your deductible, you pay the $150 copayment and CareSource is responsible for the remaining $2,350.

        At this point, you have met your $650 annual out-of-pocket maximum. For the rest of the benefit year, CareSource will pay 100 percent of covered services as defined in the plan’s Summary of Benefits and Coverage or Schedule of Benefits.

        To find these documents, access the Plan Details:

  • Coverage

    • What are the benefits I get with a CareSource plan?
      • Navigate

        CareSource Marketplace plans cover a wide variety of health care services designed to get you healthy and keep you healthy, including:

        • Primary care and specialty physician services
        • Retail clinic visits
        • Prescription drug coverage
        • Outpatient services
        • Hospitalization (such as surgery)
        • Emergency services
        • Maternity and newborn care
        • Mental health and substance use disorder services, including behavioral health treatment (this includes counseling and psychotherapy)
        • Preventative and wellness services (such as mammograms, diabetes screenings, flu shots and more)
        • Rehabilitative and habilitative services and devices (to help people with injuries, disabilities or chronic conditions gain or recover mental and physical skills)
        • Laboratory services (such as blood draws)
        • Chronic disease management (to help you deal with diabetes and asthma)
        • Long-term care services
        • Covered clinical trials
        • Podiatry care
        • Pediatric health and vision services
        • Optional dental and vision coverage for adults

        For more detailed information about coverage, refer to the Evidence of Coverage for your CareSource plan.

        To find this document and more, access the Plan Details:

    • Can I get unlimited coverage for pre-existing conditions?
      • Navigate

        Yes! There are no pre-existing condition limits or waiting periods that apply to benefits covered by CareSource.

    • Do your essential health benefits have lifetime and annual dollar limits?
      • Navigate

        No. CareSource plans do not have any lifetime or annual limits on the dollar amount of essential health benefits. Essential health benefits are defined as follows:

        • Free preventive and wellness services (such as mammograms, diabetes screenings, flu shots and more)
        • Prescription drugs
        • Outpatient services (such as primary care and specialty doctor visits, urgent care services, diagnostic testing and more)
        • Hospitalization (such as surgery)
        • Emergency services
        • Mental health and substance use disorder services, including behavioral health treatment (this includes counseling and psychotherapy)
        • Pediatric services, including dental and vision care for kids
        • Maternity and newborn care
        • Laboratory services
        • Rehabilitative and habilitative services and devices (to help people with injuries, disabilities or chronic conditions gain or recover mental and physical skills)
    • What type of benefits are included with the optional dental and vision plans?
    • How do I find out if my doctor is in your network?
      • Navigate

        Use our online Find a Doctor/Provider tool to search for doctors in your area and to find out if your doctor accepts CareSource insurance.

        You can also use Find a Doctor/Provider to search for hospitals, health clinics, urgent care centers, treatment facilities, home health care agencies and other health care providers that are part of our network.

        You can also call CareSource Customer Service at 1-855-202-0622.

    • Can I see a doctor who isn't in your network?
      • Navigate

        Similar to other managed care plans, if you get services from a doctor who is not in the CareSource network, your costs will not be covered, with few exceptions.

        One such exception is if an emergency occurs while you are out of the CareSource service area. In this case, CareSource will cover benefits provided outside the provider network.

        Your CareSource plan provides benefits when you receive covered services from network providers. You can find network providers in the Find a Doctor/Provider tool.

    • Why do I need to select a Primary Care Provider (PCP)?
      • Navigate

        A primary care provider (PCP) helps guide your health care and treat you for routine health care needs. If needed, your PCP will send you to other doctors (specialists) or admit you to the hospital. If you have a Silver or Gold plan, we cover these visits at no cost to you. If you have a Silver or Gold plan, we cover these visits at no cost to you.

        Establishing yourself as a patient with a PCP before you get sick can also help you get in to see a doctor faster when you need care.

        We can help you find a PCP in your area. Call Customer Service at 1-855-202-0622. You can also use our Find a Doctor/Provider tool to search for doctors in your area.

    • Do your plans cover Emergency Services?
      • Navigate

        Yes. Our plans provide benefits for emergencies that occur anywhere within the United States. Benefits for emergency health services include facility costs and physician services, and supplies and prescription drugs charged by that facility.

        You do not have to get authorization before you get emergency health services. If you have an emergency, call 911 or go to the nearest emergency room or other appropriate setting.

        If you are not sure whether you need to go to the emergency room, call your primary care provider (PCP) or CareSource24®, our 24-hour nurse advice line. Your PCP or the CareSource24 nurse can talk to you about your medical problem and give you advice on what you should do.

    • Do your plans cover Urgent Care visits outside of the service area?
    • How does your prescription drug coverage work?
      • Navigate

        CareSource covers a wide range of prescription drugs provided by network pharmacies.

        To fill a prescription, present the written prescription from your doctor and your ID card to the pharmacist. If your doctor uses electronic prescriptions, he or she will send the prescription to the pharmacy for you. The pharmacy will then file your claim for you. If you owe a copayment or coinsurance amount, you will be charged when you fill your prescription.

        Your copayment or coinsurance amount may vary based on whether the prescription drug has been classified as a generic, preferred brand, non-preferred brand or specialty high-cost drug.

    • How do I find out if you cover my current prescriptions?
      • Navigate

        CareSource covers a wide range of drugs and drug types.

        You can call Customer Service at 1-855-202-0622 or search the NavigatePreferred Drug List to find out if your current prescriptions are covered.

  • Benefits of Coverage

    • Why do I need an ID card?
      • Navigate

        To make sure you get your full benefits, you should show your CareSource ID card every time you get health care services from a network provider or pharmacy. If you do not show your ID card, your provider may fail to bill CareSource for the services delivered, which could cause a delay in services.

    • Will I have to file claims?
      • Navigate

        Not usually. If you bring your CareSource ID card and receive care from a network provider, the provider is responsible for filing the claim and requesting payment from us.

        You are responsible for any coinsurance, copayment, annual deductible or any amount that is more than the eligible expense.

        If you don’t present your ID card and the provider makes you pay the full amount for services, you would need to file a claim with CareSource.

    • Will I have to see doctors in the CareSource network?
      • Navigate

        Yes. CareSource uses a network of providers. In order for your services to be covered by CareSource, you must get care from the providers in our plan’s network.

        You can call Customer Service at 1-855-202-0622 or use the Find a Doctor/Provider tool to search for doctors in your area and to find out if your doctor accepts CareSource insurance.

        You can also use Find a Doctor/Provider to search for hospitals, health clinics, urgent care centers, treatment facilities, home health care agencies and other health care providers that are part of our network.

    • Does CareSource consult with my doctor to determine treatment options?
    • What are my responsibilities as a member?
      • Navigate

        You are responsible for choosing your in-network providers.

        You are responsible for paying, directly to your provider, any amount identified as a member responsibility, including copayments, coinsurance, any annual deductible and any amounts that are more than eligible expenses.

        You are responsible for paying, directly to your provider, the cost of any non-covered service.

        You are responsible for deciding with your provider what care you should and should not receive.

    • What types of things can I do on CareSource.com?
      • Navigate

        Our website provides information at your fingertips anywhere and anytime you have access to the internet. Our website opens the door to a wealth of health information and convenient self-service tools to meet your needs.

        Some of the helpful tools and information you will find includes the following:

        • My CareSource® – Your personal, online account that lets you pay your premium, change your doctor, request a new ID card, check your deductible and more – all with one convenient login.
        • Estimate tool, which allows you to estimate your cost savings and shop for CareSource plans before you enroll
        • Find a Doctor/Provider tool, which allows you to find network providers
        • The NavigatePreferred Drug List, which allows you to find covered medications
        • Find a Pharmacy tool, which allows you to find network pharmacies
    • Can I talk to Customer Service about my plan?
      • Navigate

        Yes! Please contact Customer Service at 1-855-202-0622 with any questions you have about your coverage, including:

        • Benefits
        • Premiums
        • Coinsurance or copayments, annual deductible and annual out-of-pocket maximum amount
        • Specific claims or services you have received
        • Our network of providers
        • Our authorization requirements
    • Can I talk to a nurse if I have health questions?
      • Navigate

        Yes! Our experienced CareSource24® nurses are available, 24/7/365 to talk about any health problem that concerns you.

        Call the CareSource24 number on your ID card if you have questions, need advice or if you are wondering what type of provider is recommended for your care needs.

        We can help you decide if you can care for yourself or a sick family member at home or if you should seek help from a medical professional.  

        Please remember to call 911 if you are experiencing an emergency.

    • Can someone help me manage my complex health conditions?
      • Navigate

        If you have a serious or complicated health problem, CareSource Case Managers can help guide you through the health care system to get the coordinated, quality care you need.

        Our experienced team works with you and your doctor to make certain you are getting the best care possible. We do the coordination for you so that you can concentrate on your health.

    • Can someone help me get care after I am released from the hospital?
      • Navigate

        CareSource Bridge to Home® is a free program for hospitalized members to help coordinate the care needed to safely go home after a hospital stay:

        • Our experienced team works with you and your doctor to make certain you have all the equipment and medicine you need at home.
        • We make certain you are taking the medicine you need, when you need it, and help you reach your recovery goals.
        • We also work to make sure that you understand your care and who to call when the doctor's office is closed.

        Our Bridge to Home program is here to make coming home from the hospital as smooth as possible for you and your family.

    • Can someone help me manage my medications?
      • Navigate

        We believe it is critical that you are on the right medications for your health conditions and that you take your medications correctly.

        We offer the Medication Therapy Management Program (MTM) free of charge to help you do just that. We encourage you to meet with your pharmacist and discuss your medications. Your pharmacists are available for consultation, and we encourage them to do so as part of our program.

        Your pharmacist can help by:

        • Reviewing all your prescriptions and over-the-counter medications
        • Educating you on how to use your medications correctly
        • Identifying medications that may interact with each other
        • Identifying medications that may help you save money.

        You can use our Find a Pharmacy tool to locate a network pharmacy.

    • Can someone remind me when I need to have a screening exam?
      • Navigate

        CareSource will send you reminders to schedule recommended screening exams. Reminders can be for mammograms, child and adolescent immunizations, cervical cancer screenings, comprehensive screenings for individuals with diabetes and influenza/pneumonia immunizations.

        There is no need to enroll in this program. You will receive a reminder automatically if you have not had a recommended screening exam.

Health Insurance Marketplace

  • Health Insurance Marketplace

    • What is the Health Insurance Marketplace?
      • Navigate

        The Health Insurance Marketplace (sometimes referred to as the Health Insurance Exchange) is an online marketplace that allows you to purchase health insurance at a competitive rate and maybe even qualify for lower costs. 

        The Marketplace offers a solution for people who are currently uninsured. It may even offer a better option for some who are paying for high cost health insurance now. It is designed to be a "one stop shop" option where you can compare policies sold by different companies. Purchasing insurance can be confusing, so information on the plan benefits is standardized so that it is easier for you to compare costs and quality.

        Enrolling through the Marketplace is the only way you can qualify for help paying your insurance costs, based on your income and family size.


    • Why is this important?
      • Navigate

        Most people are required to have health insurance or pay a tax penalty. For those who are uninsured now or who are paying a high cost for current insurance, the Health Insurance Marketplace offers a great option for affordable health insurance coverage.

    • What is the benefit of using the Marketplace?
      • Navigate

        The Marketplace was created to make the process of selecting health insurance easier to understand and to provide affordable options.

        • All health insurance plans on the Marketplace must cover essential health benefits, making it easier to compare policies.
        • Insurance companies on the Marketplace can’t charge more or deny coverage because of pre-existing conditions or gender.
        • Plans sold through the Marketplace cannot have annual or lifetime limits on health insurance coverage.
        • The Marketplace also helps people who can’t afford the full cost of insurance by providing cost savings that will lower the amount they have to pay.
        • The amount of your cost savings depends on your income and family size.
    • Is CareSource part of the Marketplace?
      • Navigate

        CareSource is a "Qualified Health Plan" or "QHP" on the Health Insurance Marketplace in Ohio, Kentucky, West Virginia and Indiana for 2017 enrollment, which begins November 1, 2016.

        To be designated as a QHP, health insurance companies must meet rules established by the government as part of the Patient Protection and Affordable Care Act, also known as health care reform.

        CareSource is a nonprofit organization. We pride ourselves on understanding our members and helping them understand and access their health insurance services. CareSource has over 25 years of experience with managed health care coverage. We serve more than a million members. We are focused more on people than profits.

    • How do I access the Marketplace?
      • Navigate

        Visit HealthCare.gov to learn about the health care laws and their impact on you.

        If you have a qualifying life event, such as the birth of a child or loss of other health coverage, you can enroll during a special enrollment period.

        Open enrollment for 2017 starts November 15, 2016, when you can apply for coverage, compare available health insurance plans and enroll in a plan.


    • Do I have to buy insurance through the Marketplace?
      • Navigate

        Federal law requires most people to have health insurance or pay penalties. This is part of the Patient Protection and Affordable Care Act, otherwise known as health care reform. 

        So, while you do not have to buy insurance from the Health Insurance Marketplace, most people have to be covered or pay a penalty. Using the Marketplace allows you to compare available plans, ensure you receive essential health benefits and determine your eligibility for cost savings.

    • Where can I get more information?
      • Navigate

        We will continue to update information about the Health Insurance Marketplace on this website, so come back often.  

        You can find more information at HealthCare.gov

  • Eligibility

    • Who is eligible for the Marketplace?
      • Navigate

        Three requirements must be met to be eligible for health insurance through the Marketplace:

        • You must live in the U.S.
        • You must be a U.S. citizen or national (or lawfully present).
        • You can’t be currently incarcerated (serving time in jail).
    • Can I provide coverage for my family through the Marketplace?
      • Navigate

        Yes, some health insurance plans will offer family coverage and others will offer individual coverage for each member of your family. This allows you to customize your health insurance coverage so that it fits the needs of you and your family.

    • Can I provide coverage for my adult children?
      • Navigate

        If your children are under age 26 and meet certain requirements, you can insure them under your family policy if the health insurance plan covers dependents. This is true even if your children live on their own. Coverage up to age 26 is only a minimum. State rules and individual insurance plans can extend dependent coverage past age 26.

        Before the health care reform law, insurance companies could stop covering dependent children at age 19 or when they were no longer full-time students.

    • I can get insurance through my employer. Can I buy insurance through the Marketplace?
      • Navigate

        Individuals who can get insurance through their employers can buy insurance through the Marketplace if their premiums are unaffordable (more than 9.5 percent of their household income) or if the plan is inadequate (pays less than 60 percent of the cost of covered benefits).

  • Coverage

    • What health care benefits are covered through the Marketplace?
      • Navigate

        In general, essential health benefits are covered under the plans offered through the Marketplace. All plans cover the following services:

        • Free preventive and wellness services (such as mammograms, diabetes screenings, flu shots and more)
        • Prescription drugs
        • Outpatient services (such as primary care and specialty doctor visits, urgent care services, diagnostic testing and more)
        • Hospitalization (such as surgery)
        • Emergency services
        • Mental health and substance use disorder services, including behavioral health treatment (includes counseling and psychotherapy)
        • Pediatric services including dental and vision care for kids
        • Maternity and newborn care
        • Laboratory services (such as blood drawn)
        • Rehabilitative and habilitative services and devices (to help people with injuries, disabilities, or chronic conditions gain or recover mental and physical skills)

        Some plans provide additional benefits, for example, adult dental and vision care. Plans range from basic with minimal coverage to all encompassing high-end plans.

    • Will pre-existing conditions be covered?
      • Navigate

        The health care laws are designed to protect you and your family. Health insurance companies can't refuse to cover you just because you have a chronic or pre-existing condition. In addition, they can’t charge more for women than for men. All of the plans offered through the Marketplace comply with these health care laws.

    • Are preventive services such as vaccines for children or mammograms for women covered?
      • Navigate

        Yes. All health insurance plans offered through the Marketplace cover preventive services at no cost to you. This means you do not have to pay a copayment or coinsurance even if you haven't met your yearly deductible.

        Preventive services are designed to prevent, identify and treat diseases early. These include flu shots and immunization vaccines, screenings to identify diseases, contraception and mammograms for women, behavioral assessments for children and much more.

    • Are there lifetime limits on the amount that insurance companies will cover?
      • Navigate

        No. Insurance companies cannot impose annual or lifetime dollar limits on essential health benefits. In the past, people with cancer or other chronic illnesses could run out of insurance coverage because insurance companies could limit the amount they would pay during a year or over a lifetime.

  • Enrollment/Reenrollment

    • What is the time frame for buying insurance through the Marketplace?
      • Navigate

        If you have a qualifying life event, such as the birth of a child or loss of other health coverage, you can enroll during a special enrollment period, which ends 60 days after the life event.

        Starting on November 1, 2016, you can enroll in a health care plan for 2017 through the Marketplace during open enrollment. You must enroll by December 15, 2016, if you want new coverage to begin January 1, 2017.

        Open enrollment will close on January 31, 2017. This means that you will have three months, from November 1, 2016 to January 31, 2017, to buy health insurance from the Marketplace. Remember, you must have health insurance or pay a penalty.

    • What information do I need to enroll in the Marketplace?
      • Navigate

        In order to enroll through the Marketplace, you will need the following information for each family member to be covered:

        • Social Security number or document number for legal immigrants
        • Employer and income information, for example, wage and tax statements from pay stubs or W-2 forms
        • If currently covered by health insurance, the policy number
        • If eligible for employer health insurance coverage (even if the coverage is through another person’s job, for example, a spouse’s or a parent’s) information about the employer’s health insurance plan
        • If you had Marketplace coverage in 2016, you’ll need plan materials from your current plan that contain your Plan ID
    • Can I enroll in a Marketplace plan without using the internet?
      • Navigate

        Yes. You can apply by phone 1-800-318-2596 (TTY: 1-855-889-4325), by mail (Health Insurance Marketplace, Attn: Coverage Processing, 465 Industrial Blvd, London, KY 40750-0001) and in person during open enrollment.

    • I am currently enrolled in a Marketplace plan. Do I need to reenroll?
      • Navigate

        It depends on the state you live in. If you had a Marketplace plan and you live in Kentucky, you will need to reenroll for 2017 through the Health Insurance Marketplace at healthcare.gov.

        If you bought coverage through the Marketplace in 2016, you will be notified if you are eligible to continue with the same coverage in 2017 and if your options for financial assistance have changed.

        This process begins when the Marketplace sends you an annual redetermination notice. You need to review, sign and return this notice promptly. If any of the information is inaccurate, contact the Marketplace. If you do not sign and return the notice within 30 days, the Marketplace will assume the information is correct.

        The Marketplace will then notify you with a final decision regarding eligibility for coverage and financial assistance, including whether you are eligible for programs such as Medicaid or the Children’s Health Insurance Program (CHIP).

        If you are eligible to continue to receive Marketplace coverage, you can either keep your current plan or change plans during open enrollment, which is November 1, 2016 to January 31, 2017. You will be automatically reenrolled in your current plan if you do nothing. If your current plan’s benefits have changed, you will be notified of these changes.

    • Can I keep the Marketplace plan I selected in 2016?
      • Navigate

        You can still keep the same plan you selected, but if you live in Kentucky you need to reenroll.

        If you enrolled in a Marketplace health insurance plan last year and the Marketplace has determined that you remain eligible for Marketplace coverage, you will be automatically reenrolled in the same plan for 2017 that you selected for 2016. If the cost or coverage details of your plan have changed from 2016 to 2017, your insurance plan will notify you of these changes.

    • Can I switch to another Marketplace plan for 2017?
      • Navigate

        If you enrolled in a Marketplace health insurance plan last year and the Marketplace has determined that you remain eligible for Marketplace coverage, you can change to another Marketplace plan during open enrollment, which is November 1, 2016 to January 31, 2017. To change plans, go to the Marketplace, access your account, shop for plans and select the plan that best suits your needs.

  • Costs

    • How much does Marketplace insurance cost?
      • Navigate

        The cost of health insurance through the Marketplace depends on the plan you choose, your age and your tobacco use. Regardless of the plan you choose, all costs are stated up front so you’ll know how much you’ll be paying and what you’ll be getting before you make a choice.

        You may qualify for tax credits that will lower your monthly payments based on family income and size. The Marketplace will show you the amount of these lower payments when you enroll starting November 1, 2016.

    • How can I determine if I qualify for lower costs?
      • Navigate

        You will be able to determine if you qualify for lower costs when you enroll through the Marketplace starting November 1, 2016. The Marketplace will tell you if you qualify for Medicaid, the Children’s Health Insurance Program (CHIP) or a tax credit.

    • How can the Marketplace lower my monthly premium payments?
      • Navigate

        When you buy health insurance coverage through the Marketplace, you may be able to get a premium tax credit or subsidy that can lower the amount you pay each month for your premium. The amount of your tax credit depends on your household size and income.

        When you enroll through the Marketplace, you will find out the amount of your tax credit. At that time, you can choose to apply the amount equally to your monthly premium payments or you can wait until you file your federal tax return.

        If you apply the amount to your monthly premium, you get the benefit of lower monthly payments throughout the year. If you apply some or all of your tax credit to next year’s tax return, you increase your chance of getting money back at tax time.

    • Are there other cost savings I could qualify for?
      • Navigate

        Yes. In addition to the tax credit that reduces your monthly premium payment, you may qualify for cost sharing reductions. If you qualify for these, you will pay lower out-of-pocket deductibles, copayments and coinsurance if you choose a health plan from the Silver category.

    • What if I qualify for cost savings through the Marketplace and my income changes after I enroll?
      • Navigate

        When you enroll, you estimate your earnings for next year, and this estimate determines your cost savings. You must report any income change, up or down, that impacts your eligibility for cost savings to the Marketplace at healthcare.gov. Otherwise, you may miss out on the cost savings or end up owing money if you no longer qualify for the cost savings.

        So, if your income changes your estimated earnings for the year, for example, through a job change or job loss, you should report it to the Marketplace.

        You must also notify the Marketplace in the following situations:

        • If you become pregnant
        • If you have a baby
        • If your address or phone number changes
        • If your immigration status changes
        • If your marital status changes
        • If you become eligible for other health care coverage
    • How much is the penalty if I don’t have health insurance?
      • Navigate

        If you don't have health insurance coverage, you may have to pay a penalty at tax time. This penalty is also referred to as the "individual responsibility payment" or "individual mandate." You also have to pay for all of your health care.

        The fee is calculated two different ways: as a percentage of your household income, OR per person.

        2016 Penalties (2017 penalties will be adjusted for inflation): 2.5% of household income, OR $695 per adult/$347.50 per child under 18.

        You’ll pay whichever is higher.


  • Health Insurance Basics

    • What is insurance?
      • Navigate

        Insurance protects you from high costs when something bad happens. No one plans to get sick or hurt, but most people need to get treated for an illness or injury at some point, and health insurance helps pay these costs. You get health insurance to protect you when you need medical care.

        When you understand how health insurance works, it helps you be an informed consumer so you can find coverage that fits your needs.

    • What is health insurance?
      • Navigate

        Health insurance is a contract between you and your insurance company. You buy a plan or policy, and the company agrees to pay part of your medical costs when you get sick or hurt. Even when you need care that costs more than you pay in premiums and deductibles, insurance will cover the care you need. A standard health insurance plan also gives you access to preventive care to keep you healthy, like vaccines and check-ups. Many plans also cover prescription drugs.

        Your health insurance plan will show what types of care, treatments and services are covered, including how much the insurance company will pay for different treatments in different situations.

    • How do you pay for health insurance?
      • Navigate

        You’ll usually pay a premium every month for health insurance, and you may also have to pay a deductible once each year before the insurance company starts to pay its share. How much you pay for your premium and deductible is based on the type of insurance you have.

        Just as important as the premium cost is how much you have to pay when you get services. Examples include:

        • How much you pay before your insurance coverage starts (a deductible) 
        • What you pay out-of-pocket for services after you pay the deductible (coinsurance or copayment)
        • How much in total you’ll have to pay if you get sick (the out-of-pocket maximum) 

        What your policy covers is often directly related to how expensive the health insurance policy is. The policy with the cheapest premium may not cover as many services and treatments.

    • What is a premium?
      • Navigate

        A premium is an amount you pay for your insurance plan each month. You pay this amount even if you don't use medical care that month. Your health insurance premium is similar to your auto insurance premium. You pay it monthly so that you are covered when you need it.

    • What is a deductible?
      • Navigate

        A deductible is an amount some insurance plans require you to pay once each year before the insurance company starts to pay its share. For example, let's say you have a $200 deductible. You go to the doctor and the total cost is $1,000. You pay the first $200 to cover the deductible, and then your insurance pays the remaining $800.

    • What is coinsurance or a copayment?
      • Navigate

        Coinsurance or a copayment is an amount that you pay as your share of the cost when you get a medical service, like a doctor's visit or a prescription. Coinsurance is usually a percentage amount (for example, 20% of the total cost). A copayment is usually a set dollar amount (for example, you might pay $10 or $20 for a prescription or doctor's visit).

    • What is an out-of-pocket maximum?
      • Navigate

        This is the maximum amount that you could pay for medical care that is not reimbursed by insurance. Out-of-pocket costs can include deductibles, coinsurance and copayments for covered services. After you've reached your out-of-pocket maximum, your insurance plan must pay for all of your covered medical care with no limit.

    • Are all health insurance plans the same?
      • Navigate

        No. There are many kinds of health insurance plans. Some plans allow you to visit almost any doctor or health care facility. Others limit your choices to a network of doctors and facilities or require you to pay more if you see doctors outside the network.

        It is important to understand what each plan covers, the terms of the plan and any limitations before you purchase a plan. The Summary of Benefits and Coverage (SBC) provides information about health plan coverage in a common format so you can easily compare plans.

    • Why is it important to have health insurance?
      • Navigate

        A single visit to a primary care doctor can cost between $150 and $200. The average cost of a 3-day hospital stay is $30,000. Fixing a broken leg can cost up to $7500. Having health insurance coverage can help protect you from high, unexpected costs like these. People without health coverage are exposed to these costs, which can sometimes lead people without coverage into deep debt or even into bankruptcy.

Need additional information? Call us at 1-855-202-0622 or provide your contact information and we will contact you.  We can help you navigate the Health Insurance Marketplace and enroll in a CareSource insurance plan.