Affordable “Silver Plus Hospital Plus Dental”
This plan is specifically designed for young, middle-income families (200–300% FPL) with active teenage children involved in sports. This health plan combines security, savings, and peace of mind. Unlike other health insurance plans, it offers an affordable premium with a lower deductible, which means that
Why should you have this coverage plan?
Reinforced protection in hospital
Designed for accidents and emergencies specific to youth sports. Lower deductibles and more predictable costs when you really need them.
Save if you anticipate medical visits
If you expect several visits per year, the higher premium is offset by lower copayments and out-of-pocket costs when using the plan.
Dental health for the right stage
Includes dental coverage for checkups, cleanings, and permanent tooth care.
Life with athletic children brings checkups, bumps, tests, and sometimes emergencies. This plan is designed to:
- Families 200–300% FPL with some savings to support medical expenses.
- Those who anticipate consultations and prefer a low deductible over a higher premium.
- Those who value: a solid network, covered emergencies, and dental benefits in the same offering.
Additionally, in-network preventive services required by law (ACA) are typically covered without cost sharing.
FAQs
Can we access financial aid?
In the Marketplace, many homes between 100% and 400% FPL may qualify for tax credits to lower their premiums. Those with 200–300% FPL often have options, but eligibility is determined solely by your official application and your county.
Does it include dental and orthodontics for teenagers?
Includes dental coverage, orthodontics, and their limits (age, annual cap, waiting periods). For more information, check out our dental coverage plan.
Does it cover sports accidents and emergencies?
Yes, emergency services are covered; your costs depend on whether the hospital is in-network, your policy's deductible, and your coinsurance. We'll guide you through minimizing out-of-network billing.
Do I need referrals to see specialists?
It depends on the network type: many HMOs/EPOs require referrals and don't cover out-of-network coverage; PPOs usually allow direct access with some out-of-network coverage. We confirm based on the county's offering.
Does this plan allow HSA?
HSAs require a high-deductible HDHP. Because this plan favors a low deductible, it's typically not HSA-eligible. We validate this in the final quote.
What is not normally covered?
Exact exclusions vary. Common examples include cosmetic procedures, certain cosmetic dental services, and orthodontic limits.
Can I keep my current pediatrician/dentist?
If they're in-network, yes. If not, we'll look at alternatives or a network plan that includes them. Networks vary by insurer and county.
Do you have any further questions?
Consult with us
We know choosing a coverage plan can be confusing, and that's why we're here to help. Our goal is to make sure you fully understand your options and make the best decision for you and your family.
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