Types of Health Insurance Coverage

Below are the most common types of insurance coverage offered. If you need services like maternity, dental or prescription drugs, check the plan details to make sure you get the coverage you need.

Individual Health Insurance For You and Your Family

Also called comprehensive or major medical, individual and family coverage is likely the first type of health insurance you might think of. It covers a wide range of services.

  • Lasts 12 months or longer
  • Can be renewed (in most cases)
  • Meets the Affordable Care Act requirements and includes:
    • Emergency services, hospitalization, and preventive care
    • Maternity, newborn and pediatric care
    • Mental health care & substance abuse treatment
    • Laboratory services, prescription drugs, and disease management
    • Rehabilitative services and devices
  • You may be able to get help paying for your health care coverage

Need more information? Attend an event and see us in person.

Group Health Insurance Plan

If you get your health plan through your job, this is called a group health insurance plan. It's also known as group coverage or a group plan.

Dental

Dental insurance plans provide coverage for part of your dental costs for you and your family. This type of health insurance:

  • Can cover a wide range of services or just basic, routine care.
  • Can be bought as part of your BCBSOK longer-term plan or by itself through a separate, stand-alone dental plan.
  • Is required for children age 18 or younger under the Affordable Care Act.

Medicare

Medicare is a type of health insurance coverage for people age 65 or older, or people under 65 with certain disabilities or illnesses.

You can add to your Original Medicare Part A (hospital) and Part B (medical) to help strengthen your health insurance safety net:

  • Part C – Medicare Advantage Plans can be seen as all-in-one coverage, some with built-in prescription drug coverage
  • Part D – Prescription drug coverage that pays for approved drugs
  • Medicare Supplement Insurance Plans – May help pay for health care costs not covered by Original Medicare

Medicaid and Children's Health Insurance Program (CHIP)

Medicaid and CHIP are types of low or no-cost health insurance through the government. Your eligibility is based on your household size and income and determined by the government. You can apply any time of year.

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