OptimaFit® Health Plans
Choose local, choose Optima Health
Direct network plans include the full network of over 26,0001 doctors and facilities, in a two-tier structure to maximize cost savings.
Clinically integrated network for you and your family
Select network plans utilize local doctors and facilities within key clinically integrated networks, to provide high-quality and efficient care.
Health insurance coverage for individuals and families just got more rewarding with OptimaFit® health plans from Optima Health. OptimaFit plans combine great health insurance coverage and a wide variety of deductible and copayment options.
Healthcare.gov allows you to shop and compare plans and determine if you are eligible for tax credits (financial assistance) to help pay for your health insurance plan. Optima Health offers a variety of health insurance plans on the Health Insurance Marketplace. You can shop for them online, alongside our other health insurance plan offerings, by selecting Quote & Enroll.
- A wide range of deductibles and copayments offered
- Gold, Silver, and Bronze plans offered on the Health Insurance Marketplace
- Preventive services covered at 100% if received from a health plan provider (office copayments may apply)
- 24-hour access to online or phone consultations with board-certified physicians through MDLIVE
- View the OptimaFit Individual and Family Plans Drug Formularies
What Are Health Insurance Metallic Tiers?
Metallic Tiers: Health insurance plans are grouped by metallic tiers to make it easier for you to compare plans. The difference between tiers is the out-of-pocket costs you pay and the premium. Each OptimaFit plan in every metal level covers all the features listed above.
|For Expense Planning||Higher premium, lower out-of-pocket costs||Mid-range premiums, moderate out-of-pocket costs||Lower premiums, higher out-of-pocket costs|
|Good If...||You plan to visit the doctor often.||You need to balance monthly premium costs with out-of-pocket costs.||You don’t plan to use a lot of healthcare services.|
Are you now eligible for Medicaid?
Beginning January 1, 2019, thousands of Virginians between the ages of 19-64 will be able to get the health care they need at little to no cost under the Virginia Medicare expansion.
If you haven't qualified for Medicaid before, may may qualify now.See if you qualify
Do you run your own business for which you have an appropriate IRS tax service form? (Service Form 1040, Schedule C, or Schedule F) Well then, you may be eligible for a sole proprietor small group plan.Explore Sole Proprietor Plans