Health Insurance Comparison

Health Insurance Comparison

COBRA vs. Marketplace Insurance
Health Insurance

COBRA vs. Marketplace Insurance

There are typically two routes that you may consider if you are between jobs: COBRA and Health Insurance Marketplace (HIM) plans. COBRA may be a better fit for those with pre-existing medical conditions, but marketplace plans are usually more affordable.

Talor Bianchini
Talor Bianchini23 Aug 2022
What is a High Deductible Health Plan
Health Insurance

What is a High Deductible Health Plan

A high deductible health plan (HDHP) is a health insurance plan with traditionally low premiums but higher deductibles. Other types of insurance plans, such as PPO, POS, HMO, and more, can still be classified as an HDHP, depending on the deductible of the plan.

Ashley Brooks
Ashley Brooks23 Aug 2022
Are At-Home COVID-19 Tests Covered By Insurance?
Health Insurance

Are At-Home COVID-19 Tests Covered By Insurance?

With new variants emerging, at-home COVID-19 tests are becoming more widespread within various drug stores. However, their costs have remained an issue for many Americans. In general, health insurance companies do not cover the cost of an at-home COVID-19 test.

Madeline Hlobik
Madeline Hlobik6 Jan 2022
What Is Fixed-Indemnity Health Insurance?
Health Insurance

What Is Fixed-Indemnity Health Insurance?

Fixed-indemnity insurance is not regulated under the ACA, therefore it does not require essential health benefit coverage, may discriminate based on pre-existing conditions, and does not require a cap on annual out-of-pocket spending.

Ashley Brooks
Ashley Brooks23 Aug 2022
Best Family Health Insurance Plans - 2021
Health Insurance

Best Family Health Insurance Plans - 2021

Family health insurance plans are the same concept as an individual health insurance plan; however, the critical difference is that family health insurance plans will cover multiple individuals. Many dependents, such as spouses, naturally born children and legally adopted or foster children, can be covered under one health insurance plan. The best family health insurance plans include Preferred Provider Organization (PPO), Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Point-of-Service Plans (POS), and High-deductible Health Plans.

Madeline Hlobik
Madeline Hlobik27 Jul 2021
Mira Health Reviews 2022 - Benefits, Coverage, Is it Legit?
Health Insurance

Mira Health Reviews 2022 - Benefits, Coverage, Is it Legit?

Is Mira Health legit? A comprehensive review of Mira health on and off Reddit, Google Reviews, TrustPilot, and more.

Khang T. Vuong, MHA
Khang T. Vuong, MHA14 Apr 2022
Healthfirst Catastrophic Plan vs. Fidelis Care Catastrophic Plan
Public Health

Healthfirst Catastrophic Plan vs. Fidelis Care Catastrophic Plan

This article provides a detailed look at two catastrophic plans: Healthfirst and Fidelis Care. Catastrophic plans are meant for young and healthy individuals who do not regularly seek medical attention. Overall, Fidelis Care seems to be a more cost-effective plan, as it has a lower monthly premium.

Mira Research Team
Mira Research Team12 Mar 2021
Empire BlueCross BlueShield Bronze vs. UnitedHealthcare Bronze
Tips

Empire BlueCross BlueShield Bronze vs. UnitedHealthcare Bronze

Both HMO plans offer very similar services and payment plans. Both plans have a deducible of $5,500, give some reimbursement for a gym membership, and charge 50% coinsurance after deducible for services such as preventative care, primary care, specialty visits, and urgent care.

Mira Research Team
Mira Research Team12 Mar 2021
EmblemHealth Silver Bold vs. Oscar Health Saver Silver
Public Health

EmblemHealth Silver Bold vs. Oscar Health Saver Silver

However, EmblemHealth requires a referral to see a specialist and Oscar does not require a referral. EmblemHealth and Oscar cover different hospitals in New York City, so you may want to consider your proximity to each hospital when picking a plan. Overall, we recommend Oscar Health's Saver Silver plan as it enables more flexibility and has positive reviews regarding customer service and user satisfaction.

Mira Research Team
Mira Research Team12 Mar 2021
Oscar Health Simple Bronze vs. UnitedHealthcare Compass Bronze
Public Health

Oscar Health Simple Bronze vs. UnitedHealthcare Compass Bronze

UnitedHealthcare Compass Bronze has a 38% higher monthly premium when compared to Oscar Bronze, however, when it comes to in-network hospital coverage, UnitedHealthcare has more prominent hospitals covered when compared to Oscar. UnitedHealthcare also offers gym reimbursement where Oscar does not.

Mira Research Team
Mira Research Team12 Mar 2021
Oscar Health Classic Silver vs. UnitedHealthcare Compass Silver- Reviews & Which is best?
Insights

Oscar Health Classic Silver vs. UnitedHealthcare Compass Silver- Reviews & Which is best?

UnitedHealthcare has a 25% higher monthly premium than Oscar Health does, not have direct messaging, and you need a referral to see a specialist. However, UnitedHealthcare has more prominent in-network NYC hospitals and includes gym member reimbursement. UnitedHealthcare would be the better option as long as you can pay a little more for the monthly premium and you don't mind needing a referral to see a specialist.

Mira Research Team
Mira Research Team12 Mar 2021
Oscar Health Classic Bronze vs. Empire BlueCross BlueShield Bronze- Reviews & Which is best?
Insights

Oscar Health Classic Bronze vs. Empire BlueCross BlueShield Bronze- Reviews & Which is best?

EmpireBlueCross BlueShield bronze has a higher monthly premium and deductible when compared to Oscar Health Classic Bronze. However, EmpireBlueCross also offers more in-network hospital coverage and partial gym reimbursement, making it the better option if you can afford it.

Mira Research Team
Mira Research Team12 Mar 2021