Gold Health Insurance Plans


Gold metal level plans. We pay 80 percent; you pay 20 percent.Based on the Affordable Care Act, health insurance plans are grouped into four categories called metal levels. These categories are not based on quality of care, provider network, or the amount of care you receive, but rather on the share of healthcare costs.


Under the gold level plans, Blue Cross and Blue Shield of Alabama pays 80 percent of healthcare coverage on average throughout the year. You pay the remaining 20 percent. This is for the overall costs incurred, including coinsurance, copayments and out-of-pocket maximums. The coverage for individual services may vary depending on the specific plan you choose.


Why choose a Gold health insurance plan?


If you have regular prescriptions and expect a high level of care, you may want to select a gold health insurance plan. Blue Cross and Blue Shield of Alabama offers three gold level health insurance plans:


Financial assistance in the form of a subsidy or tax credit may be available to you based on your income, age and location. If you need a lower monthly premium, silver and bronze plans are available from Blue Cross. To find out if you are eligible for financial assistance, visit or call 1-800-318-2596.


Health insurance plans from Blue Cross and Blue Shield of Alabama include the 10 Essential Health Benefits, the largest provider network in the state and reliable coverage from the name you can trust.