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Our goal is to match you with superior plans and rates that are the most compatible for you.


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Sunday: 11am — 4pm


Frequently Asked Questions.

What are the different types of ACA plans and what do they include?

There are 4 main types of Affordable Care Act, or ACA, health insurance plans:

  • PPOs – or Preferred Provider Organization Plans
  • POSs – or Point-Of-Service Plans
  • HMOs – or Health Maintenance Organization Plans
  • EPOs – or Exclusive Provider Organization Plans

When considering an ACA plan factors such as your budget, where you live, and the kind of health care you require are important to consider.

What do all the ACA plans have in common?

All ACA plans are mandated to cover 10 essential benefits. These 10 essential benefits include health care services such as:

  • Emergency services
  • Hospitalization
  • Out-patient services
  • Maternity and newborn care
  • Mental health, behavioral health, and substance use disorder services
  • Prescription Drugs
  • Rehabilitative and habilitative services
  • Laboratory services
  • Pediatric services, including oral and vision care
  • Preventative and wellness services and chronic disease management

How do I compare Medicare Advantage plans?

Medicare Advantage plans are available from private insurance companies that are approved by Medicare. Because of this, the costs and benefits may differ by plan/company, and not every plan will be available in every location. Here are some components that you might want to take note of when comparing Medicare Advantage plan options:

Look into the plan’s monthly premium and determine if you are comfortable with the premium amount. Also, compare factors such as copayments, coinsurance, and deductibles.

Is the plans annual deductible within your budget? Compare the annual deductible among different plans and determine if it right for you.

Are the plans out of pocket limits right for you?

All Medicare Advantage plans include a yearly spend limit (which includes the deductible). The plan will then cover 100% of the covered costs once you reach the maximum spend limit. This is a factor worth considering when comparing different Medicare Advantage Health Plans.

Do you require additional benefits such as hearing, dental, and vision benefits, and does your plan cover it?

Are your required medications included in the prescription drug coverage?

Are your preferred doctors included in the plan’s provider network?

If you would like assistance comparing plans. Schedule a call with one of our licensed agent representatives, that can help make sense of the plan benefits and help you select a plan that is right for you based on your needs and budget. Call US

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Standard Health is the most trusted and reliable source for finding and purchasing health insurance online. We are a team of passionate individuals who are committed to providing you with an excellent customer experience. Our mission is to match you with superior plans and rates.
Standard Health Team

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