Have a Question for Bright Health? We’re Here to Help with Our FAQs.

Learn more about Bright Health and help us find the right plan for you while saving you hundreds.
We’ve provided answers to frequently asked questions about Bright Health, our Individual & Family health insurance plans, the Affordable Care Act (ACA) Marketplace, and much more.

How can I enroll in an Individual & Family plan?

The 2019 Open Enrollment Period for Individual & Family health insurance typically runs from November 1, 2018, to December 15, 2018. However, some states extend the period if they have their own exchange, like Colorado did last year. Plans sold during Open Enrollment start January 1, 2019.

We try to make the process as simple and painless as possible. You can learn about the ACA, see if you qualify for subsidies, view plans, get a quote and enroll right on our website. Call Bright Health at 833-356-1182. Or visit with a broker or a Health Insurance Marketplace navigator.

You may qualify for a Special Enrollment Period if you or anyone in your household in the past 60 days:

  • Got married
  • Had a baby, adopted a child, or placed a child for foster care
  • Got divorced or legally separated and lost health insurance
  • Death of someone on your plan
  • Changes in residence that moves you out of your current network
  • Loss of health insurance

This is not a complete list of triggering events. For more qualifying event information, visit Healthcare.gov .

Tell me about Bright Health.

Bright Health is a new healthcare company that is making healthcare right by collaborating with curated networks that we call Care Partners to make health care simpler, personal and more affordable. Bright Health is bringing Individual & Family health insurance during Open Enrollment for 2019 to people in Alabama, Arizona, Colorado, and Tennessee. We currently are only in certain cities within those states. Provide your zip code and county above to see if you live in one of our service areas.

They are curated healthcare networks in your community selected by Bright Health to help deliver simpler, more personal and affordable healthcare. They do this in by bringing you:

  • Better coordinated care
  • Seamless healthcare experience from enrollment to doctor’s visits and billing
  • Meaningful, useful benefits
  • Lower cost of exceptional care Having just one local Care Partner in each community we serve affords us the freedom to get close to each other. Very close. Like two friends who spend every day together, we’re able to start speaking the same language and anticipating each other’s needs. This alignment translates into two partners working together for one singular purpose—quality care for you, that’s easy to manage and the best possible value.

We are currently serving communities in Alabama, Arizona, Colorado, and Tennessee. We continue to grow, so check back frequently to see if we’ve entered your area.

Yes. Login to the Bright Health Member Hub, click temporary card and print. Then you can call Bright Health at 855-827-4448 and request a new one be sent.

Individual & Family Health Insurance 101

A primary care provider (PCP) is the main healthcare provider you see for routine care or common medical problems. Most often your doctor, the PCP, may also be a nurse practitioner or physician assistant.

A broker or agent can help you better understand your health insurance options and can help you save money. They are an excellent resource to use while shopping for healthcare, which we all know is a pain, to help you find the right care for the right price. Learn more about brokers here.

A healthcare network is a system of facilities, providers, and suppliers that your health insurance company has contracted with to provide healthcare services.

You can find your doctor or healthcare provider, including clinics, hospitals and pharmacies, or a new one, easily with our Provider Finder tool. Learn more about the possible financial impact of going out of network.

In-network refers to providers or healthcare facilities that are part of Bright Health’s network of providers with which it has negotiated service. When you see an in-network provider, your bills likely will be lower. An out-of-network provider is one that has not contracted with the Bright Health. If you see an out-of-network provider, your bills will likely be much higher. Learn how to better understand the possible financial impact of going out of network.

A copayment (or “copay”) is a monetary charge that your health insurance plan may require you to pay in order to receive a specific medical service or supply. For example, your health insurance plan may require a $15 copayment for an office visit or brand-name prescription drug.

The amount you pay for covered healthcare services before your insurance plan starts to pay. With a $2,000 deductible, for example, you pay the first $2,000 of covered services yourself. After you pay your deductible, you usually pay only a copayment or coinsurance for covered services. We offer supplemental insurance plan called Bright Health Secure to try to help you with some of those unexpected out-of-pocket costs. Call us at <a href=“tel: 844-426-4086”>844-426-4086 or contact your broker to enroll.

The percentage of costs of a covered healthcare service you pay (20%, for example) after you've paid your deductible. Let's say your health insurance plan's allowed amount for an office visit is $100 and your coinsurance is 20%. If you've paid your deductible: You pay 20% of $100, or $20 – until you’ve reached your maximum out-of-pocket amount.

In the United States, an Exclusive Provider Organization (EPO) is a hybrid health insurance plan in which a primary care provider is strongly advised. Healthcare providers must be seen within a predetermined network. Out-of-network care generally is not provided. Bright Health offers EPO plans on the Individual & Family health insurance exchanges.

Tell me about the Affordable Care Act and subsidies.

That is difficult since plans are different. You can get a quote online or call Bright Health at 833-356-1182 and we can help you estimate your costs. You can save hundreds by checking to see if you qualify for Affordable Care Act (ACA), or Obamacare, government subsidies. Learn more about how subsidies work and how to get them.

The Affordable Care Act (ACA) is the comprehensive health care reform law enacted in March 2010, sometimes known as ACA, PPACA, or Obamacare. The law provides consumers with subsidies, or premium tax credits, that lower costs for many households who qualify based on income.

A navigator or certified assister is someone trained and paid by the federal government to help you navigate your Health Insurance Marketplace. They are unbiased and will try to get you government subsidies and help you find the best plan for the best price. Learn more about navigators.

The Health Insurance Marketplace, also known as the “Marketplace” or “exchange,” provides health plan shopping and enrollment services through websites, call centers, and in-person help. Some states, such as Colorado, run their own Marketplaces. They are kind of like Amazon, basically, a website that offers and sells all the plans, but doesn't make products itself. This is also the place where you get subsidies, or Advanced Premium Tax Credits (APTC).

The Advanced Premium Tax Credit (APTC) is a federal subsidy available to individuals and families who earn less than 400% of the Federal Poverty Level (FPL). This subsidy helps to pay part of your health insurance premiums in order to make your insurance more affordable as part of the Affordable Care Act (ACA).

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