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Connecticare

Affordable Connecticut Health Insurance Quotes

ConnectiCare which was started in 1981 insures more a quarter million Connecticut and Western Massachusetts residents.   According to US News and World Report, ConnectiCare is the 5th best health plan in America based on member happiness and performance.

Group 1

POS Hospital Deductible Plans

The POS Hospital Deductible Plans – Members who choose a ConnectiCare participating practitioner or facility will receive the highest level of benefits. Members are encouraged to choose a PCP. apply a deductible only to services that are provided by a hospital or an outpatient facility, either for inpatient or outpatient ambulatory services. Copayments apply for most other services provided by doctors and other healthcare providers in our extensive network, who are known as in-network providers.

There is a separate plan deductible for the contract year that applies when you use out-of-network providers that involve providers outside of the ConnectiCare network, or out-of-network providers. The plan deductible does not apply when you use in-network providers.

Key Benefits:

  • Freedom to choose in-network and out-of-network providers
  • Choice of 3 prescription drug coverage options: $1,000 contract year maximum, a $5,000 contract year maximum or a $200 deductible. You may also choose not to elect prescription drug coverage.
  • Copayments for most in-network services

These plans are now compliant with the new Health Care Reform law, in which preventive care is not subject to member cost-share.

Group Two

POS Upfront Deductible Plans

In a Point-of-Service (POS) upfront deductible plan, most health care services you receive apply to a plan deductible, even when you are using an in-network provider. Once this contract year plan deductible is met, we pay for the services subject to a copayment or coinsurance amount that is paid by you.

Key Benefits of POS Upfront Deductible Plans:

  • The higher the upfront deductible, the lower the plan premium will be
  • Upfront deductible helps with budgeting for medical expenses
  • Separate in-network contract year plan deductibles for individual and family
  • Separate out-of-network contract year plan deductible for individual and family

These plans are now compliant with the new Health Care Reform law, in which preventive care is not subject to member cost-share.

Group 3

POS High-Deductible Health Plans (Compatible with Health Savings Account)

Our High-Deductible Health Plans (HDHPs) are a good choice if you are comfortable with greater cost-sharing in exchange for a lower monthly plan premium.

With an HDHP, you are required to meet an upfront deductible for the contract year. The deductible amount varies according to the plan you choose. In general, the higher the upfront deductible, the lower the monthly plan premium. Once the deductible is met, covered services will be subject to a copayment or coinsurance.

If you are attracted to the premium savings of a ConnectiCare SOLO High-Deductible Health Plan (HDHP), you may wish to combine it with a Health Savings Account (HSA). (Do not open the HSA until your application to a ConnectiCare SOLO HDHP is approved.) HSAs offer tax advantages that make it easier to set aside money for meeting the health plan deductible.

Key Benefits:

  • Low premiums
  • Plan begins to provide benefits after you reach the contract year plan deductible
  • Visit participating providers to receive the greatest level of benefits
  • Visit the doctor of your choice out-of-network for a higher cost-share
  • An HSA solution offers a tax-advantaged way for meeting the plan deductible

Qualified Medical Expenses

The savings in an HSA can be used for any IRS-qualified medical expenses, including some that are not covered by the ConnectiCare SOLO plan. These expenses include over-the-counter drugs, eyeglasses, dental services, prescriptions and other medical supplies. For a partial list of qualified and non-qualified expenses, please refer to IRS Publication 502.

(Note: The contract-year deductibles can be reached by any combination of covered health services or covered prescription drug services. The individual contract-year deductible only applies if you are the policyholder and there are no other covered lives on the contract. If you have family coverage (two or more covered lives), then covered health services and covered prescription drugs will be applied to the family contract-year deductible until the total amount is met, without regard to which family member uses the benefits.)

These plans are now compliant with the new Health Care Reform law, in which preventive care is not subject to member cost-share.

Group 4

HMO High-Deductible Health Plan (Compatible with Health Savings Account)

This plan allows you to see any participating specialist without first obtaining a referral from your PCP. You must meet a contract-year individual plan deductible or contract-year family plan deductible before the plan begins to provide benefits. If you are attracted to the premium savings of a ConnectiCare SOLO High-Deductible Health Plan (HDHP), you may wish to combine it with a
Health Savings Account (HSA). (Do not open the HSA until your application to a ConnectiCare SOLO HDHP is approved.) HSAs offer tax advantages that make it easier to set aside money for meeting the health plan deductible.

HMO HSA Compatible Plan

With the HMO HSA-Compatible Plan, there is no member cost-share after the contract year plan deductible.

Key Benefits:

  • No member cost after plan deductible
  • The only plan that includes maternity coverage
  • An HSA solution offers a tax-advantaged way for meeting the plan deductible

(Note: The contract-year deductibles can be reached by any combination of covered health services or covered prescription drug services. The individual contract-year deductible only applies if you are the only policyholder and there are no other covered lives on the contract. If you have family coverage (two or more covered lives), then covered health services and covered prescription drugs will be applied to the family plan deductible until the total amount is met without regard to which family member uses the benefits.)

This plan is now compliant with the new Health Care Reform law, in which preventive care is not subject to member cost-share.

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