Covered California Certified Enroller Practice Exam

What is the cost of a specialist visit for the Silver 87 plan?

1. $10

2. $25

3. $50

4. $100

The correct answer is: $25

The Silver 87 plan is designed to provide enhanced cost-sharing benefits, which lowers out-of-pocket expenses for consumers. Under this plan, the cost of a specialist visit is typically set at a flat co-pay amount, which makes healthcare more affordable for enrollees. In the case of the Silver 87 plan, the correct cost of a specialist visit is generally $25. This amount reflects the plan's structure aimed at encouraging members to seek necessary medical care without significant financial burden. Lower co-payments are particularly beneficial for those who might require frequent specialist consultations. Other amounts listed do not align with the benefits that Silver 87 offers. While higher co-payments, such as $50 or $100, are common in different insurance plans, they do not represent the consumer-friendly approach characteristic of the Silver 87 plan’s design. A $10 co-pay, while low and attractive, does not accurately reflect the typical specialist visit cost under this specific plan. The aim is to balance affordability with adequate coverage, which is why $25 is the established cost in this scenario.