Nevada Platinum 90 Plan: Top of the Line
Think the “Rolls-Royce” of the Nevada Metal Plan Portfolio. The Platinum plan offers a much smaller out-of-pocket expense when it comes to time for doctor’s visits, labs, prescriptions, etc., in exchange for a higher premium per month. This plan features an attractive $0 deductible with minimal copays of $15-$30 for common services. And to top it off, if the worst happened, the most you would have to pay in a year for services would be $4,500 for an individual or $9,000 for a family. This is the best of any plan offered on the Nevada Exchange. The only exception to this would be if you qualify for the Silver 87 or Silver 94 plans.
Is the Platinum Plan Right for Me??
It may be the perfect for you:
- If you want benefits similar to what you had through an employer. Oftentimes, the Platinum is the closest. To compare your previous plan to this one, feel free to contact our agency so we can compare apples to apples for you.
- You don’t want a deductible, and you want the lowest out-of-pocket maximum in the event of a worst-case scenario.
- You have health needs that require a lot of services.
This plan may also be a good fit if you have a planned event, such as having a baby, or if you know you will need a particular surgery or procedure that will be expensive. Once you utilize the plan for your coverage needs, you can always switch to another level of coverage, if desired, during the next year’s open enrollment. The open enrollment typically takes place at the end of the calendar year and lasts 1-2 months. So keep this in mind as you plan. - For other people, it is enough that the Platinum level of coverage offers peace of mind that you just can’t put a price tag on.
- In comparing other metal plans, ask yourself, “Does the premium justify the amount of times I would use the coverage?” If not, it may be in your interest to take a little more risk and pay less for either a Silver or Gold plan, and put the premium savings to use by saving it for unexpected events that may require a little extra money upfront.
Price: $
Popularity: ⭐⭐
| Deductible: | None |
| Doctor Visits: | $15 |
| Rx: | $30 |
| Hospital: | $250 per day up to 5 days (HMO) 10% (PPO) |
| OOP Max: | $4,500 Individual |
| $9,000 Family |
Estimated Avg Medical Costs
| Insurance Company pays: | 90% |
| You Pay: | 10% |
A Little More to Think About
We have quite a few people concerned with good emergency room coverage that doesn’t break the bank. For many people, this is what they are looking for.
If you are considering a PPO Platinum plan, be aware that if you receive care “Out of Network,” you may have a deductible (some carriers) to reach along with higher out of pocket costs than what you see on the standard benefits. For example, on the standard benefits, you would pay $ 40 to see a specialist. If you were to see a specialist “Out of Network,” you may pay a deductible (some carriers) and then 50% of the cost. Check your plan benefit details for more information so you aren’t caught by surprise. For additional information, contact the carrier or Health For Nevada Insurance Center.
Once you arrive at the OOP Max, then you have 100% coverage for included benefits and these benefits are free for you. You pay $0 for included benefits once you reach the Out-of-Pocket Maximum. The OOP Max resets every year on January 1st. The OOP Max for the Bronze and Silver Plans is $7,550. It is $7,200 for Gold Plans and $3,350 for Platinum Plans.