Community First Care Plan
Health Coverage with More Cost-Sharing
Community First Care Plans help keep monthly payments lower, but members share more of the cost when they receive care. All Care Plans include a deductible and usually use a mix of copays and coinsurance.
Why Choose a Care Plan?
A Care Plan may be a good fit if you want a lower monthly premium and don’t mind paying more when you need care. Care plans are available in Bronze, Silver, and Gold levels.
A Care Plan may be a good choice if you:
- Want lower monthly payments
- Are comfortable having a deductible
- Do not mind paying copays and coinsurance
- Do not expect to use health care services very often
Care Plan Highlights
- All plans have a deductible
- Most services use copays and coinsurance
- Access to Community First’s provider network
- Coverage for preventive care and other covered health services
How A Deductible Works
With a Care Plan, you may need to pay some health care costs before the plan starts helping pay for certain services.
After you meet your deductible, you may pay:
- A copay for some services
- Coinsurance for other services
Understanding Plan Levels
Bronze
Lower monthly payment, but higher costs when you get care.
On average, Community First pays 60%. You pay 40%.
Silver
A balance between monthly payments and health care costs.
On average, Community First pays 70%. You pay 30%.
Gold
Higher monthly payment, but lower costs when you need care.
On average, Community First pays 80%. You pay 20%.
Before You Enroll
Every plan is different. Monthly premiums, deductibles, copays, and coinsurance can vary by plan. Be sure to review the plan details before choosing the coverage that is right for you and your family.