I’m having trouble understanding the difference between two plans in the Marketplace. NC. I’ll try and put some details. Maybe someone can explain why the cheaper Silver plan looks so much better than the more expensive Gold plan?

NC, both plans through the marketplace. Both BCBS of NC POS.

I also don't know what the CRS is. Only the Silver plan mentions it.

Both plans appear to cover my primary care doctor which is most important. They also appear to cover my prescriptions.

I currently have the Gold plan for 2023, now shopping for 2024.

Things to consider. I'll probably have high medical expenses this year. Possibly neck surgery, going to a hematologist(I probably don't have cancer, but they like to check because of low platelets), colonoscopy, diabetes, and no telling what crops up for an old fart.

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Blue Value Gold Statewide Doctors

$92.76 per month after tax credit($688.76 without)

Tier 1 RX $10

$2250 deductible

$9100 max out of pocket

Primary care from day one $10

Specialist care from day one $40

Urgent Care from day 1 $40

Emergency room 30% coinsurance after deductible

Outpatient mental health from day one $10

Generic Drugs $10

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Blue Value Silver Preferred Statewide Doctors (CRS 94%)

$68.05 per month after tax credit($664.05 without)

Tier 1 RX $0

$0 deductible

$1150 max out of pocket

Primary care no charge from day 1

Specialist Care from day one $20

Urgent Care from day one $20

Emergency room 30%

Outpatient mental health from day one No Charge

Generic drugs No Charge

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submitted by /u/Low_Copy4023
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