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2014 Optima Health Individual & Family Plans

We offer a variety of health insurance plans to fit your budget, lifestyle, and healthcare needs. Your health insurance plan should be just what you need – no more, no less.

Open Enrollment Dates

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Open Enrollment for new 2014 Optima Health Individual & Family Plans is October 1, 2013 - March 31, 2014.

Enrolling by December 15, 2013 ensures you will have coverage on January 1, 2014.

New in 2014

Metallic Tiers

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Health insurance plans will be grouped by metallic tiers to make it easier for you to compare plans based on their prices and the coverage they offer.

These tiers are: Platinum*, Gold, Silver and Bronze.

Each plan in every metal level must cover the same set of 10 essential health benefit categories required by the Affordable Care Act. All plans will cover the same benefit categories such as dental, vision, hospitalization, and outpatient surgeries.

The difference between plans is the out-of-pocket costs you pay and the premium.

*Optima Health will not offer a platinum plan on or off the Health Insurance Marketplace

Heath Insurance Plans (not offered on the Health Insurance Marketplace)

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Health Insurance Marketplace Plans

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This online marketplace allows individuals to shop and compare plans and determine if they are eligible for tax credits (financial assistance) to help pay for their health plans.

Optima Health offers a variety of plans in the Health Insurance Marketplace.

View benefit information for HMO plans offered on the Health Insurance Marketplace

Gold Tier

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Monthly Premium: $$$

For Expense Planning: Higher premium, lower out-of-pocket costs

Good If: You plan to visit the doctor often.

Products Available:
Vantage
Vantage FourSight
Vantage Equity

Call a Personal Plan Advisor to learn more

or get a quote online

Silver Tier

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Monthly Premium: $$

For Expense Planning:Mid-range premiums, moderate out-of-pocket costs

Good If: You need to balance monthly premium costs with out-of-pocket costs.

Products Available:
Vantage
Vantage FourSight
Vantage Equity

Call a Personal Plan Advisor to learn more

or get a quote online

Bronze Tier

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Monthly Premium: $

For Expense Planning: Lower premiums, higher out-of-pocket costs

Good If: You don’t plan to use a lot of health care services.

Products Available:
Vantage
Vantage FourSight
Vantage Equity
Vantage 6350 ("Catastrophic" plan only available on Health Insurance Marketplace)

Call a Personal Plan Advisor to learn more

or get a quote online

Our Products

Optima Vantage

Benefits of an HMO, No Referrals

Optima Vantage plans are non-referral Health Maintenance Organization (HMO) plans in which you choose a primary care physician (PCP) who will coordinate your family’s healthcare needs.

The benefits of an HMO plan without the hassle of referrals. You can depend on your PCP for routine medical assistance and guidance when seeking care within the Optima Health network. Except in the case of emergency care, you will need to use your benefits with in-network doctors and facilities.

Optima Health offers affordable plans with a wide range of coverage, deductibles and cost-sharing options, as well as prescription drug coverage, preventive services, and Health Savings Account options.

These plans are available in the Health Insurance Marketplace, as well as sold directly through Optima Health (Vantage 6350/Catastrophic and Vantage Bronze are only available in the Health Insurance Marketplace).

Heath Insurance Plans (not offered on the Health Insurance Marketplace)
View benefit information for HMO plans offered off the Health Insurance Marketplace

Health Insurance Marketplace Plans
View benefit information for HMO plans offered on the Health Insurance Marketplace

Optima Vantage offers three types of HMO products to choose from:

Vantage

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Vantage plans are good for individuals and families who visit their doctors often.

  • Unlimited visits to primary care physician for a set copayment

Call a Personal Plan Advisor to learn more

or get a quote online

Vantage FourSight

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Vantage FourSight is ideal for individuals and families seeking a balance of cost and coverage.

  • Includes 4 visits to a primary care physician or specialist (with copayment) not subject to the deductible

Call a Personal Plan Advisor to learn more

or get a quote online

Vantage Equity

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Vantage Equity is perfect for money-minded individuals who want the financial flexibility of a medical plan paired with a Health Savings Account. These plans are a good match for individuals and families who are are comfortable paying more expenses out of pocket.

  • Combines lower premiums and higher deductibles
  • Includes a free Health Savings Account - The money you save on premiums can be contributed to your Health Savings Account tax-free to pay for qualified out-of-pocket medical expenses

Call a Personal Plan Advisor to learn more

or get a quote online

Vantage 6350

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Vantage 6350 ("Catastrophic" plan only available in Health Insurance Marketplace)

  • "Just in case" coverage for individuals under the age of 30
  • Includes 3 visits to a primary care phys cian for a set copayment
  • 100% coverage after high deductible met ($6,350 for individuals/ $12,700 for families)

Call a Personal Plan Advisor to learn more

or get a quote online

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