Group One
POS Hospital Deductible Plans
The POS Hospital Deductible Plans 
POS Hospital Deductible Plans – Allows members the choice of seeing any health care provider, or "point of service." Members who choose a ConnectiCare participating practitioner or facility will receive the highest level of benefits. Members are encouraged to choose a Primay Care Provider.
apply a deductible
Deductible - The amount of medical expenses that you must pay before an insurer will cover any expenses. The deductible amount and what applies to it, are determined by the specific health plan.
only to services that are provided by a hospital or an outpatient
outpatient - Health care services provided without admission to a hospital. facility, either for inpatient or outpatient
Outpatient - Health care services provided without admission to a hospital. Ambulatory ServicesAmbulatory Services – Any medical care delivered on an outpatient basis.. CopaymentsCopayment - A flat fee you pay for certain benefits. The copayment amount may vary by service and whether that service is provided by a health care professional that belongs to ConnectiCare's network of providers. apply for most other services provided by doctors and other healthcare providers in our extensive network
Network - A group of health care providers that belong to a health insurance company's preferred list. Depending on the health plan, a visit to an in-network provider may be covered at a higher level than a visit to an out-of-network provider. , who are known as in-network providers
In-Network Providers - Also known as Participating Providers, these are health care professionals that belong to ConnectiCare's network of providers. In-network provider services are typically provided at a lower cost to you than those provided out-of-network. .
There is a separate plan deductible
Plan Deductible - The total amount of medical expenses that you must pay during the contract year for certain benefits before ConnectiCare insurer will begin paying for those benefits. for the contract yearContract Year - The 12-month period that begins on the effective date of the policy and each 12-month period following the policy renewal date. that applies when you use out-of-network providers that involve providers outside of the ConnectiCare network
Network - A group of health care providers that belong to a health insurance company's preferred list. Depending on the health plan, a visit to an in-network provider may be covered at a higher level than a visit to an out-of-network provider. , or out-of-network providers. The plan deductible
Plan Deductible - The total amount of medical expenses that you must pay during the contract year for certain benefits before ConnectiCare insurer will begin paying for those benefits. does not apply when you use in-network providers
In-Network Providers - Also known as Participating Providers, these are health care professionals that belong to ConnectiCare's network of providers. In-network provider services are typically provided at a lower cost to you than those provided out-of-network. .
Key Benefits:
- Freedom to choose in-network providers
In-Network Providers - Also known as Participating Providers, these are health care professionals that belong to ConnectiCare's network of providers. In-network provider services are typically provided at a lower cost to you than those provided out-of-network. and out-of-network providers
- Choice of 3 prescription drug coverage options: $1,000 contract yearContract Year - The 12-month period that begins on the effective date of the policy and each 12-month period following the policy renewal date. maximum, a $5,000 contract yearContract Year - The 12-month period that begins on the effective date of the policy and each 12-month period following the policy renewal date. maximum
or a $200 deductible
Deductible - The amount of medical expenses that you must pay before an insurer will cover any expenses. The deductible amount and what applies to it, are determined by the specific health plan.
. You may also choose not to elect prescription drug coverage.
- CopaymentsCopayment - A flat fee you pay for certain benefits. The copayment amount may vary by service and whether that service is provided by a health care professional that belongs to ConnectiCare's network of providers. for most in-network services
These plans are now compliant with the new Health Care ReformPatient Protection and Affordable Care Act (PPACA) - More commonly know as Health Care Reform, is now the law of the land. It is a federal statue that was signed into law on March 23, 2010. law, in which preventive care
Preventive Care – Measures taken to prevent illness or injury, rather than to treat it. Preventive care can include immunizations, screening tests, and examinations to test for specific conditions based on an individual's family history.
is not subject to member cost-share.
