🟢Easy: What is a deductible?

🟡Medium: What is the copay for Metformin on the Silver plan?

🟠Hard: Compare the specialist copays and out-of-pocket maximums between the Silver and Gold plans.

🔴Very Hard: Compare the overall deductibles, specialist copays, and drug formulary tier copays between the Bronze, Silver, and Gold plans.

💊Simple Base: Is Metformin covered on the Bronze plan?

🌀Simple Variation: Does the Bronze plan cover Metformin?

📋Complex Base: What is the policy regarding waiting periods for chronic, pre-existing conditions before the plan starts paying for specialist visits and maintenance medications?

🌀Complex Variation: I was diagnosed with asthma last year and just signed up for this insurance. Do I have to wait a certain number of months before you guys will cover my inhalers and pulmonologist appointments, or am I good to go right now?