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BidenCare Gold Plan

The Biden Care Gold Plan is part of a four "metal" healthcare initiative under the Affordable Care Act. Building upon Obamacare, the upcoming Biden administration aims to provide quality, accessible healthcare services to all Americans regardless of their race, gender, religion, or socioeconomic status.

The four healthcare plans have been defined as Bronze, silver, gold, and platinum. The intention is to provide high-quality healthcare to all by offering insurance plan options suited to different financial frameworks and medical needs.

This way medical care can better meet the needs of the USA's diverse population.

Individuals from any socio-economic background will be eligible to benefit from medical insurance cover under these four plans. Biden Care seeks an end to surprise billing and unfair market concentration.

Under these provisions, healthcare is set to become a right for all Americans, as opposed to a privilege for a wealthy minority. An overall improvement in health outcomes for all citizens will be ensured via different, accessible healthcare plans.

But picking a healthcare plan isn't always easy. This article is designed to take the mystery out of health insurance and point readers in the direction of quality advice.

As healthcare reforms inevitably draw nearer, it's important that Americans to understand the services available to them and to be able to decide which services are best suited to their needs.

The four "metal" plans

Under the Affordable Care Act, four care plans have been established. The four "metal" options represent four different health-coverage options. These plans provide the best value-for-money for those who make regular use of healthcare services in the United States.

The only difference between the four plans is the monthly premium associated with each.

The quality of healthcare received through each plan is equal. Healthcare provisions under all plans are required by law to meet the Ten Essential Health Benefits, including a free wellness visit and preventative care provisions.

The Gold Plan

The Biden Care Gold Plan is a premium plan under the Affordable Care Act. Gold plans typically entail higher monthly insurance premiums than their Bronze and Silver counterparts. But the Gold Plan is still a cost-effective option and provides lower out-of-pocket costs when using medical services.

Gold Plans cover 80% of all medical expenses. That means that health service users are only required to pay the remaining 20% of any medical bills alongside their premiums. Though premiums can seem high, some individuals are eligible for reduced monthly insurance rates with Premium Tax Credit.

Eligibility for these subsidies will depend upon state residency and annual household incomes, which must be equal to or less than 4x the Federal Poverty Line. Those who are eligible for Premium Tax Credit can benefit from significant savings on their monthly insurance rates.

Is a Gold Plan right for me?

For individuals and families who make use of medical services regularly, a Gold Plan is likely to be a cost-effective choice. But remember, it's important to consider all current health, lifestyle, and medical risk factors before committing to a plan.

Balancing monthly premiums against out-of-pocket costs is the best way to calculate whether or not a Biden Care Gold Plan will be the most cost-effective option.

Gold plans are best suited to people who need regular medical care or take prescription medications on a regular and ongoing basis. This is because Gold plans allow users to pay higher monthly premiums in return for lower out-of-pocket payments when using health-care-services.

As such, a Gold-Plan is ideal for consistent health-care users with chronic conditions, complex, or ongoing medical needs.

Comparing plans

Each health-care plan has its merits. No matter which "metal" you choose, all plans have set maximum out-of-pocket limits, designed to protect individuals with complex medical needs from devastating financial implications.

Gold Plan
Pays for 80% of covered medical expenses before reaching the annual limit.
Pays for 100% of all covered expenses after reaching the annual limit.

Platinum Plan
Lower out-of-pocket costs

Silver Plan
Best for preventative medical care
Lower monthly rate

Bronze Plan
Best for preventative medical care
Lower monthly rate

For a detailed price-comparison, is an online insurance marketplace where consumers can obtain pricing information related to upcoming Biden Care reforms. The service is ideal for comparing several insurance providers at once for optimal price comparisons.

Alternatively, interested parties can call (833) 814-7667 to speak with an agent about their medical care options and pick the most appropriate plan.

Gold Plans for lower out-of-pocket costs

The Biden Care Gold Plan acts as part of a Medicare-like health insurance infrastructure. Under the Affordable Care Act and building upon the progress already made by Obamacare, these healthcare plans are designed to give Americans choices when it comes to their health insurance options.

By expanding insurance coverage to low-income Americans, and lowering insurance premiums, healthcare under the Biden administration aims to provide the peace of mind that comes with an affordable, high-quality, national healthcare infrastructure.

By committing to higher premiums, Gold Plans offer individuals and families lower out-of-pocket costs for their medications and medical care. For regular health service users and maintaining repeat prescriptions, a Gold Plan offers peace of mind by bypassing expensive and unexpected medical bills.

How Does it Work?

Finding the right health insurance has never been easier! In three simple steps, find the perfect plan for your healthcare needs:

Step 1:
Enter your ZIP code.
Step 2:
Tell us more about yourself. What are your coverage needs and affordability requirements? Do you suffer from any chronic medical conditions or take prescription drugs? Do you seek greater coverage or lower premiums? This information will allow us to help you find the right providers.
Step 3:

Compare multiple plans from trusted carriers to find the program that best suits your needs. Review eligibility requirements, pricing, coverage accessibility, and more all from a single, easy-to-use interface.

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We do not offer every plan available in your area. Currently we represent zero organizations which offer zero products in your area. Please contact, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. We connect you with licensed agents that do have Medicare Advantage Plans and they will tell you how many plans and products they offer in your service area.

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The plans represented on are Medicare Advantage HMO, PPO and PFFS organizations and stand-alone prescription drug plans with a Medicare contract. Enrollment in any plan depends on contract renewal. If you are paying Medicare Part B premium, you must continue to pay it to maintain coverage.

Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.

Every year, Medicare evaluates plans based on a 5-star rating system.

Part B Premium give-back is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.

Based on median Medicare Advantage benefit amounts for dental available across multiple plans and metro areas. Not all benefits available in specific plans or regions.

This information is not a complete description of benefits. Contact the plan for more information.

Limitations, copayments, and restrictions may apply.

[Benefits, premiums and/or copayments/coinsurance] may change on January 1 of each year.

Advertised Pricing:

There are several factors that impact your monthly premium; including your age, geographical location, annual income, dependents, and the type of plan you choose. Monthly premiums do not include out-of-pocket costs.

The advertised price may not be typical. It was generated using the Kaiser Family Foundation's subsidy calculator that was accessed on September 16, 2020. The following parameters were used: 21 year old adult, non-tobacco user, annual income of $24,700 in 2020, no children, and no available coverage through a spouse's employer. The resulting monthly premium was $30 per month (or $360 per year after $2,751 in subsidies) for a Bronze Plan. Even when using the same parameters, the resulting premium and subsidy calculations may be subject to change.