A Major Medical Health Insurance Plan is a plan that meets all of the minimum essential benefit standards of the Affordable Care Act (ACA or “Obamacare”), while providing benefits for a range of inpatient and outpatient health care services.
On the Marketplace exchange, there are four levels of plans: Bronze, Silver, Gold, and Platinum. Each plan level pays a different portion of your health care costs, and have different premium levels.
Short-term Health Insurance Plans are designed to give you temporary protection (creditable coverage) for limited periods, while you are between standard health insurance/major medical insurance coverage.
Short-term plans generally have lower premium prices than major medical insurance coverage plans and are designed as temporary creditable coverage.
Most Comprehensive Dental Plans includes 100% preventive care such as annual oral exams, routine cleaning, and X-rays. Basic procedures are treatment for gum care, extractions, fillings, and root canals. The various plans set the deductibles, co-pays and co-insurance that the patient will pay as out-of-pocket expenses.