Graciela M
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Activity overview
Latest activity by Graciela M-
Graciela M created an article,
Can employees choose the day their coverage starts on an employer benefit plans?
An employee cannot choose an effective or start date for employer (group) plans. Typically group benefits are provided consistently to all employee. Effective dates are calculated using an employee...
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Graciela M created an article,
Under BCBSIL Plan G Plus is dental a PPO Plan?
The dental plan is an PPO. However, to maximize the plan's benefits its best to stay in-network using the Dental Network of America. Need more info or help enrolling in the G+ plan? Schedule an app...
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Graciela M created an article,
How are Composite Rates Calculated?
Composite rates are calculated by insurance carriers. The carrier takes an average of premiums for all enrolling employees to determine one rate for each enrollment type. Most commonly, composite r...
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Graciela M created an article,
What is the Difference Between Composite Rates vs Age-Rated Rates?
Insurance companies have two methods for determining premiums: Age-rated rating and composite rating. In Age-rated rating, premiums are based on each member's individual risk level that include fac...
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Graciela M created an article,
What's the difference between calendar year and group plan year?
The deductible limit is the maximum amount covered in a given year a participant may have to pay before the plan coverage is required to satisfy the full amount of claim(s). A calendar year dedu...
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Graciela M created an article,
Is the Platinum Plan Metal Level Right for Me?
You may want to choose a platinum plan if you expect your medical expenses to be substantial and want the lowest deductible possible in order to access your plan benefits as early in the year as po...
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Graciela M created an article,
Is the Gold Plan Metal Level Right for Me?
You may want to choose a gold plan if you make frequent trips to the doctor, have chronic health conditions that require ongoing medical attention, and want a lower deductible so you can access y...
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Graciela M created an article,
Is the Silver Plan Metal Level Right for Me?
You might consider a silver plan if you wish to use your health insurance for minimal preventive care during the year but don’t require regular visits to the doctor, such as to manage a chronic h...
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Graciela M created an article,
Is a Bronze Plan Metal Tier Right for Me?
You may want to choose a bronze plan if you tend to use very few healthcare services and primarily want a health plan for serious, unexpected illnesses or injuries. You will pay for more of your...
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Graciela M created an article,
What are Affordable Care Act Metal Levels?
The Affordable Care Act’s (ACA) introduced to a new way of selecting health insurance: by actuarial tier, more commonly referred to as “metal level.” Individual major medical health insurance pla...