Group Two

POS Upfront Deductible Plans

In a Point-of-Service Upfront Deductible Plan Upfront Deductible Plans – Plans in which most covered 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, you pay a copayment or coinsurance amount and we pay for the rest of the covered service. , most health care services you receive apply to a
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., even when you are using an in-network provider 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. . Once this 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.
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. is met, we pay for the services subject to a copaymentCopayment - 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. or coinsuranceCoinsurance - The percentage of the cost of benefits that you or ConnectiCare is legally responsible to pay. amount that is paid by you.

Key Benefits of POS Upfront Deductible Plans:

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.

Individual POS Upfront Deductible Plan Options



Rates displayed are quoted rates only. Plans and rates are subject to approval by the Connecticut Insurance Department. Final rates are subject to change based on medical history, federal and state regualtions, and ConnectiCare's underwriting guidelines.

  POS Upfront Deductible Upfront Deductible Plans – Plans in which most covered 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, you pay a copayment or coinsurance amount and we pay for the rest of the covered service. $500/$1,000 - D POS Upfront Deductible Upfront Deductible Plans – Plans in which most covered 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, you pay a copayment or coinsurance amount and we pay for the rest of the covered service. $750/$1,500 - D POS Upfront Deductible Upfront Deductible Plans – Plans in which most covered 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, you pay a copayment or coinsurance amount and we pay for the rest of the covered service. $1,000/$2,000 - D
CONTRACT YEAR COST-SHARE In-Network Out-of-Network In-Network Out-of-Network In-Network Out-of-Network
Individual / Family 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. $500 / $1,000 $2,000 / $4,000 $750 / $1,500 $2,000 / $4,000 $1,000 / $2,000 $3,000 / $6,000
Individual / Family CoinsuranceCoinsurance - The percentage of the cost of benefits that you or ConnectiCare is legally responsible to pay. Maximum (Maximum does not include 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.) Not Applicable $3,000 / $6,000 Not Applicable $3,000 / $6,000 Not Applicable $4,000 / $8,000
Individual / Family Out-of-Pocket Maximum
(Maximum includes 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. and CoinsuranceCoinsurance - The percentage of the cost of benefits that you or ConnectiCare is legally responsible to pay.)
Not Applicable $5,000 / $10,000 Not Applicable $5,000 / $10,000 Not Applicable $7,000 / $14,000
Member CoinsuranceCoinsurance - The percentage of the cost of benefits that you or ConnectiCare is legally responsible to pay. Not Applicable 50% Not Applicable 50% Not Applicable 50%
Lifetime Maximum Benefit Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited
COVERED HEALTH SERVICES (Cost-shares for the following services are the same for all three plan options.) In-Network Member Cost Out-of-Network Member Cost
Routine Physical Exam
No Member cost 50% after 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.
Gynecological Annual Preventive 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. Exam Office Services No Member cost 50% after 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.
Primary Care Providers Provider – A health care facility or professional, including a doctor, nurse, physician's assistant, who delivers medical services.  Office Services $30 CopaymentCopayment - 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. per visit after
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.
50% after 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.
Specialist Office Services $45 CopaymentCopayment - 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. per visit after
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.
50% after 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.
Maternity Care Not a covered benefit Not a covered benefit
Outpatient Outpatient - Health care services provided without admission to a hospital. Laboratory Services No Member cost after 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. 50% after 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.
Non-Advanced Radiology Services $45 CopaymentCopayment - 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. per visit after
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.
50% after 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.
Advanced Radiology Services (includes MRI, PET and CAT Scan) $75 CopaymentCopayment - 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. per visit up to 5 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. per year after
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.
50% after 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.
Outpatient Outpatient - Health care services provided without admission to a hospital. Rehabilitative Therapy (up to 20 visits) $45 CopaymentCopayment - 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. per visit after
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.
50% after 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.
Chiropractic Services (up to 10 visits) $45 CopaymentCopayment - 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. per visit after
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.
50% after 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.
Walk-In / Urgent Care Services $75 CopaymentCopayment - 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. per visit after
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.
Same as In-Network
Emergency Room $150 CopaymentCopayment - 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. per visit after
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.
Same as In-Network
Emergency Ambulance Services No Member cost after 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. Same as In-Network
Outpatient Outpatient - Health care services provided without admission to a hospital. Ambulatory ServicesAmbulatory Services – Any medical care delivered on an outpatient basis. $500 CopaymentCopayment - 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. per visit after
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.
50% after 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.
Hospitalization for Illness or Injury (excludes maternity) $500 CopaymentCopayment - 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. per day up to $2,000 per year after 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. 50% after 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.
Home Health Services (up to 80 visits) No Member cost (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. Waived) 25% (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. Waived)
Skilled Nursing and Rehabilitation Facilities (up to 80 days) $500 CopaymentCopayment - 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. per day up to $2,000 per year after Plan Deductible 50% after 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.
Durable Medical Equipment & Disposable Medical Supplies 50% after 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. 50% after 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.
PRESCRIPTION DRUG OPTIONS Tier 1 Tier 2 Tier 3
Option I - 30-Day supply through participating retail pharmacies $15 50% ($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. ) 50% ($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. )
      (Copay is 2X through mail-order)
$100 Coins Max per Script


Preventive Care and Wellness Services

IN-NETWORK SERVICES NOT SUBJECT TO COST SHARE

In-Network Prevention and wellness services as defined by the United States Preventive Service Task Force (listed below) are exempt from all member cost shares (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. , copaymentCopayment - 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. and coinsuranceCoinsurance - The percentage of the cost of benefits that you or ConnectiCare is legally responsible to pay.) under the Patient Protection and Affordable Care Act (PPACA) Patient Protection and Affordable Care Act (PPACA) - PPACA (Patient Protection and Affordable Care Act) - 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.. These services are identified by the specific coding your Provider Provider - A health care facility or professional, including a doctor, nurse, physician's assistant, who delivers medical services. submits to ConnectiCare. Service coding must match ConnectiCare's coding list to be exempt from all cost sharing.





Individual POS Upfront Deductible Plan Options


Rates displayed are quoted rates only. Plans and rates are subject to approval by the Connecticut Insurance Department. Final rates are subject to change based on medical history, federal and state regualtions, and ConnectiCare's underwriting guidelines.

  POS Upfront Deductible Upfront Deductible Plans – Plans in which most covered 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, you pay a copayment or coinsurance amount and we pay for the rest of the covered service. $2,000 / $4,000 - D POS Upfront Deductible Upfront Deductible Plans – Plans in which most covered 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, you pay a copayment or coinsurance amount and we pay for the rest of the covered service. $2,500 / $5,000 - D
CONTRACT YEAR COST-SHARE In-Network Out-of-Network In-Network Out-of-Network
Individual / Family 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. $2,000 / $4,000 $4,000 / $8,000 $2,500 / $5,000 $5,000 / $10,000
Individual / Family CoinsuranceCoinsurance - The percentage of the cost of benefits that you or ConnectiCare is legally responsible to pay. Maximum (Maximum does not include 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.) Not Applicable $6,000 / $12,000 Not Applicable $5,000 / $10,000
Individual / Family Out-of-Pocket Maximum
(Maximum includes 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. and CoinsuranceCoinsurance - The percentage of the cost of benefits that you or ConnectiCare is legally responsible to pay.)
Not Applicable $10,000 / $20,000 Not Applicable $10,000 / $20,000
Member CoinsuranceCoinsurance - The percentage of the cost of benefits that you or ConnectiCare is legally responsible to pay. Not Applicable 50% Not Applicable 50%
Lifetime Maximum Benefit Unlimited Unlimited Unlimited Unlimited
Covered health services (Cost-shares for the following services are the same for both plan options.) In-Network Member Cost Out-of-Network Member Cost
Routine Physical Exam
No Member cost 50% after 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.
Gynecological Annual Preventive 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. Exam Office Services No Member cost 50% after 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.
Primary Care Providers Provider – A health care facility or professional, including a doctor, nurse, physician's assistant, who delivers medical services.  Office Services $30 CopaymentCopayment - 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. per visit 50% after 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.
Specialist Office Services $45 CopaymentCopayment - 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. per visit 50% after 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.
Maternity Care Not a covered benefit Not a covered benefit
Outpatient Outpatient - Health care services provided without admission to a hospital. Laboratory Services No Member cost after 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. 50% after 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.
Non-Advanced Radiology Services $45 CopaymentCopayment - 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. per visit after 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. 50% after 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.
Advanced Radiology Services (includes MRI, PET and CAT Scan) $75 CopaymentCopayment - 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. per visit up to 5 Copayments per year after 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. 50% after 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.
Outpatient Outpatient - Health care services provided without admission to a hospital. Rehabilitative Therapy (up to 20 visits) $45 CopaymentCopayment - 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. per visit after 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. 50% after 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.
Chiropractic Services (up to 10 visits) $45 CopaymentCopayment - 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. per visit after 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. 50% after 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.
Walk-In / Urgent Care Services $75 CopaymentCopayment - 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. per visit after 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. Same as In-Network
Emergency Room $150 CopaymentCopayment - 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. per visit after 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. Same as In-Network
Emergency Ambulance Services No Member cost after 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. Same as In-Network
Outpatient Outpatient - Health care services provided without admission to a hospital. Ambulatory ServicesAmbulatory Services – Any medical care delivered on an outpatient basis. $500 CopaymentCopayment - 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. per visit after 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. 50% after 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.
Hospitalization for Illness or Injury (excludes maternity) $500 CopaymentCopayment - 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. per day up to $2,000 per year after 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. 50% after 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.
Home Health Services (up to 80 visits) No Member cost (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. Waived) 25% (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. Waived)
Skilled Nursing and Rehabilitation Facilities (up to 80 days) $500 CopaymentCopayment - 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. per day up to $2,000 per year after 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. 50% after 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.
Durable Medical Equipment & Disposable Medical Supplies 50% after 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. 50% after 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.
PRESCRIPTION DRUG OPTIONS Tier 1 Tier 2 Tier 3
Option I - 30-Day supply through participating retail pharmacies $15 50% ($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. ) 50% ($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. )
      (Copay is 2X through mail-order)
$100 Coins Max per Script


Preventive Care and Wellness Services

IN-NETWORK SERVICES NOT SUBJECT TO COST SHARE

In-Network Prevention and wellness services as defined by the United States Preventive Service Task Force (listed below) are exempt from all member cost shares (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. , copaymentCopayment - 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. and coinsuranceCoinsurance - The percentage of the cost of benefits that you or ConnectiCare is legally responsible to pay.) under the Patient Protection and Affordable Care Act (PPACA) Patient Protection and Affordable Care Act (PPACA) - PPACA (Patient Protection and Affordable Care Act) - 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.. These services are identified by the specific coding your Provider Provider - A health care facility or professional, including a doctor, nurse, physician's assistant, who delivers medical services. submits to ConnectiCare. Service coding must match ConnectiCare's coding list to be exempt from all cost sharing.





Individual POS Upfront Deductible Coinsurance Plan Options


Rates displayed are quoted rates only. Plans and rates are subject to approval by the Connecticut Insurance Department. Final rates are subject to change based on medical history, federal and state regualtions, and ConnectiCare's underwriting guidelines.



  POS Upfront Deductible Upfront Deductible Plans – Plans in which most covered 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, you pay a copayment or coinsurance amount and we pay for the rest of the covered service. $1,000/$2,000 - 30PCP - 50% - D POS Upfront Deductible Upfront Deductible Plans – Plans in which most covered 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, you pay a copayment or coinsurance amount and we pay for the rest of the covered service. $2,500/$5,000 - 30PCP - 50% - D POS Upfront Deductible Upfront Deductible Plans – Plans in which most covered 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, you pay a copayment or coinsurance amount and we pay for the rest of the covered service. $5,000/$10,000 - 30PCP - 50% - D
CONTRACT YEAR COST-SHARE In-Network Out-of-Network In-Network Out-of-Network In-Network Out-of-Network
Individual / Family 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. $1,000 / $2,000 $5,000 / $10,000 $2,500 / $5,000 $5,000 / $10,000 $5,000 / $10,000 $10,000 / $20,000
Individual / Family CoinsuranceCoinsurance - The percentage of the cost of benefits that you or ConnectiCare is legally responsible to pay. Maximum (Maximum does not include 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.) $3,000 / $6,000 $10,000 / $20,000 $3,000 / $6,000 $10,000 / $20,000 $3,000 / $6,000 $10,000 / $20,000
Individual / Family Out-of-Pocket Maximum
(Maximum includes 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. and CoinsuranceCoinsurance - The percentage of the cost of benefits that you or ConnectiCare is legally responsible to pay.)
$4,000 / $8,000 $15,000 / $30,000 $3,500 / $11,000 $15,000 / $30,000 $8,000 / $16,000 $20,000 / $40,000
Member CoinsuranceCoinsurance - The percentage of the cost of benefits that you or ConnectiCare is legally responsible to pay. 50% 50% 50% 50% 50% 50%
Lifetime Maximum Benefit Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited
COVERED HEALTH SERVICES (Cost-shares for the following services are the same for all plan options.) In-Network Member Cost Out-of-Network Member Cost
Routine Physical Exams
No Member cost 50% after 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.
Gynecological Annual Preventive 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. Exam Office Services No Member cost 50% after 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.
Primary Care Providers Provider – A health care facility or professional, including a doctor, nurse, physician's assistant, who delivers medical services.  Office Services $30 CopaymentCopayment - 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. per visit 50% after 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.
Specialist Office Services 50% after 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. 50% after 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.
Maternity Care Not a covered benefit Not a covered benefit
Outpatient Outpatient - Health care services provided without admission to a hospital. Laboratory Services 50% after 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. 50% after 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.
Non-Advanced Radiology Services 50% after 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. 50% after 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.
Advanced Radiology Services (includes MRI, PET and CAT Scan) 50% after 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. 50% after 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.
Outpatient Outpatient - Health care services provided without admission to a hospital. Rehabilitative Therapy (up to 20 visits) 50% after 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. 50% after 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.
Chiropractic Services (up to 10 visits) 50% after 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. 50% after 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.
Walk-In / Urgent Care Services 50% after 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. Same as In-Network
Emergency Room 50% after 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. Same as In-Network
Emergency Ambulance Services 50% after 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. Same as In-Network
Outpatient Outpatient - Health care services provided without admission to a hospital. Ambulatory ServicesAmbulatory Services – Any medical care delivered on an outpatient basis. 50% after 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. 50% after 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.
Hospitalization for Illness or Injury (excludes maternity) 50% after 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. 50% after 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.
Home Health Services (up to 80 visits) 25% (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. Waived) 25% (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. Waived)
Skilled Nursing and Rehabilitation Facilities (up to 80 days) 50% after 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. 50% after 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.
Durable Medical Equipment & Disposable Medical Supplies 50% after 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. 50% after 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.
PRESCRIPTION DRUG OPTIONS Tier 1 Tier 2 Tier 3
Option I - 30-Day supply through participating retail pharmacies $15 50% ($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. ) 50% ($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. )
      (Copay is 2X through mail-order)
$100 Coins Max per Script


Preventive Care and Wellness Services

IN-NETWORK SERVICES NOT SUBJECT TO COST SHARE

In-Network Prevention and wellness services as defined by the United States Preventive Service Task Force (listed below) are exempt from all member cost shares (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. , copaymentCopayment - 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. and coinsuranceCoinsurance - The percentage of the cost of benefits that you or ConnectiCare is legally responsible to pay.) under the Patient Protection and Affordable Care Act (PPACA) Patient Protection and Affordable Care Act (PPACA) - PPACA (Patient Protection and Affordable Care Act) - 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.. These services are identified by the specific coding your Provider Provider - A health care facility or professional, including a doctor, nurse, physician's assistant, who delivers medical services. submits to ConnectiCare. Service coding must match ConnectiCare's coding list to be exempt from all cost sharing.





Individual POS Upfront Deductible Plan Option


Rates displayed are quoted rates only. Plans and rates are subject to approval by the Connecticut Insurance Department. Final rates are subject to change based on medical history, federal and state regualtions, and ConnectiCare's underwriting guidelines.

 
POS Upfront Deductible Upfront Deductible Plans – Plans in which most covered 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, you pay a copayment or coinsurance amount and we pay for the rest of the covered service. $5,000/$10,000 - 20% - D
CONTRACT YEAR COST-SHARE In-Network Out-of-Network
Individual / Family 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. $5,000 / $10,000 $10,000 / $20,000
Individual / Family CoinsuranceCoinsurance - The percentage of the cost of benefits that you or ConnectiCare is legally responsible to pay. Maximum (Maximum does not include 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.) $5,000 / $10,000 $2,500 / $5,000
Individual / Family Out-of-Pocket Maximum
(Maximum includes 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. and CoinsuranceCoinsurance - The percentage of the cost of benefits that you or ConnectiCare is legally responsible to pay., 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. are not included)
$10,000 / $20,000 $12,500 / $25,000
Member CoinsuranceCoinsurance - The percentage of the cost of benefits that you or ConnectiCare is legally responsible to pay. 20% when applicable 50%
Lifetime Maximum Benefit Unlimited Unlimited
COVERED HEALTH SERVICES In-Network Member Cost Out-of-Network Member Cost
Routine Physical Exam
No Member cost 50% after 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.
Gynecological Annual Preventive 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. Exam Office Services No member cost 50% after 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.
Primary Care Providers Provider – A health care facility or professional, including a doctor, nurse, physician's assistant, who delivers medical services.  Office Services $30 CopaymentCopayment - 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. per visit 50% after 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.
Specialist Office Services $45 CopaymentCopayment - 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. per visit 50% after 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.
Maternity Care Not a covered benefit Not a covered benefit
Outpatient Outpatient - Health care services provided without admission to a hospital. Laboratory Services 20% after 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. 50% after 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.
Non-Advanced Radiology Services 20% after 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. 50% after 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.
Advanced Radiology Services (includes MRI, PET and CAT Scan) 20% after 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. 50% after 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.
Outpatient Outpatient - Health care services provided without admission to a hospital. Rehabilitative Therapy (up to 20 visits) $45 CopaymentCopayment - 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. per visit 50% after 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.
Chiropractic Services (up to 10 visits) $45 CopaymentCopayment - 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. per visit 50% after 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.
Walk-In / Urgent Care Services $50 CopaymentCopayment - 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. per visit Same as In-Network
Emergency Room 20% after 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. Same as In-Network
Emergency Ambulance Services 20% after 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. Same as In-Network
Ambulatory ServicesAmbulatory Services – Any medical care delivered on an outpatient basis. (Outpatient Outpatient - Health care services provided without admission to a hospital.) 20% after 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. 50% after 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.
Hospitalization for Illness or Injury (excludes maternity) 20% after 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. 50% after 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.
Home Health Services (up to 80 visits) 20% (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. Waived) 25% (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. Waived)
Skilled Nursing and Rehabilitation Facilities (up to 80 days) 20% after 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. 50% after 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.
Durable Medical Equipment & Disposable Medical Supplies 50% after 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. 50% after 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.
PRESCRIPTION DRUG OPTIONS Tier 1 Tier 2 Tier 3
Option I - 30-Day supply through participating retail pharmacies $15 50% ($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. ) 50% ($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. )
      (Copay is 2X through mail-order)
$100 Coins Max per Script


Preventive Care and Wellness Services

IN-NETWORK SERVICES NOT SUBJECT TO COST SHARE

In-Network Prevention and wellness services as defined by the United States Preventive Service Task Force (listed below) are exempt from all member cost shares (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. , copaymentCopayment - 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. and coinsuranceCoinsurance - The percentage of the cost of benefits that you or ConnectiCare is legally responsible to pay.) under the Patient Protection and Affordable Care Act (PPACA) Patient Protection and Affordable Care Act (PPACA) - PPACA (Patient Protection and Affordable Care Act) - 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.. These services are identified by the specific coding your Provider Provider - A health care facility or professional, including a doctor, nurse, physician's assistant, who delivers medical services. submits to ConnectiCare. Service coding must match ConnectiCare's coding list to be exempt from all cost sharing.


Individual POS Upfront Deductible Coinsurance Plan Options


Rates displayed are quoted rates only. Plans and rates are subject to approval by the Connecticut Insurance Department. Final rates are subject to change based on medical history, federal and state regualtions, and ConnectiCare's underwriting guidelines.

  POS Upfront Deductible Upfront Deductible Plans – Plans in which most covered 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, you pay a copayment or coinsurance amount and we pay for the rest of the covered service. $1,500 / $3,000 - 20% - D POS Upfront Deductible Upfront Deductible Plans – Plans in which most covered 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, you pay a copayment or coinsurance amount and we pay for the rest of the covered service.  $2,500 / $5,000 - 20% - D
CONTRACT YEAR COST-SHARE In-Network Out-of-Network In-Network Out-of-Network
Individual / Family 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. $1,500 / $3,000 $4,000 / $8,000 $2,500 / $5,000 $5,000 / $10,000
Individual / Family CoinsuranceCoinsurance - The percentage of the cost of benefits that you or ConnectiCare is legally responsible to pay. Maximum (Maximum does not include 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.) $2,000 / $4,000 $6,000 / $12,000 $2,000 / $4,000 $5,000 / $10,000
Individual / Family Out-of-Pocket Maximum
(Maximum includes 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. and CoinsuranceCoinsurance - The percentage of the cost of benefits that you or ConnectiCare is legally responsible to pay.)
$3,500 / $7,000 $10,000 / $20,000 $4,500 / $9,000 $10,000 / $20,000
Member CoinsuranceCoinsurance - The percentage of the cost of benefits that you or ConnectiCare is legally responsible to pay. 20% 50% 20% 50%
Lifetime Maximum Benefit Unlimited Unlimited Unlimited Unlimited
COVERED HEALTH SERVICES (Cost-shares for the following services are the same for both plan options.) In-Network Member Cost Out-of-Network Member Cost
Routine Physical Exam
No Member cost 50% after 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.
Gynecological Annual Preventive 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. Exam Office Services No Member cost 50% after 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.
Primary Care Providers Provider – A health care facility or professional, including a doctor, nurse, physician's assistant, who delivers medical services.  Office Services 20% after 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. 50% after 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.
Specialist Office Services 20% after 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. 50% after 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.
Maternity Care Not a covered benefit Not a covered benefit
Outpatient Outpatient - Health care services provided without admission to a hospital. Laboratory Services 20% after 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. 50% after 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.
Non-Advanced Radiology Services 20% after 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. 50% after 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.
Advanced Radiology Services (includes MRI, PET and CAT Scan) 20% after 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. 50% after 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.
Outpatient Outpatient - Health care services provided without admission to a hospital. Rehabilitative Therapy (up to 20 visits) 20% after 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. 50% after 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.
Chiropractic Services (up to 10 visits) 20% after 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. 50% after 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.
Walk-In / Urgent Care Services 20% after 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. Same as In-Network
Emergency Room 20% after 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. Same as In-Network
Emergency Ambulance Services 20% after 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. Same as In-Network
Outpatient Outpatient - Health care services provided without admission to a hospital. Ambulatory ServicesAmbulatory Services – Any medical care delivered on an outpatient basis. (including Colonoscopy) 20% after 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. 50% after 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.
Hospitalization for Illness or Injury (excludes maternity) 20% after 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. 50% after 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.
Home Health Services (up to 80 visits) 20% (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. Waived) 25% (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. Waived)
Skilled Nursing and Rehabilitation Facilities (up to 80 days) 20% after 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. 50% after 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.
Durable Medical Equipment & Disposable Medical Supplies 50% after 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. 50% after 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.
PRESCRIPTION DRUG OPTIONS Tier 1 Tier 2 Tier 3
Option I - 30-Day supply through participating retail pharmacies $15 50% ($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. ) 50% ($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. )
      (Copay is 2X through mail-order)
$100 Coins Max per Script


Preventive Care and Wellness Services

IN-NETWORK SERVICES NOT SUBJECT TO COST SHARE

In-Network Prevention and wellness services as defined by the United States Preventive Service Task Force (listed below) are exempt from all member cost shares (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. , copaymentCopayment - 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. and coinsuranceCoinsurance - The percentage of the cost of benefits that you or ConnectiCare is legally responsible to pay.) under the Patient Protection and Affordable Care Act (PPACA) Patient Protection and Affordable Care Act (PPACA) - PPACA (Patient Protection and Affordable Care Act) - 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.. These services are identified by the specific coding your Provider Provider - A health care facility or professional, including a doctor, nurse, physician's assistant, who delivers medical services. submits to ConnectiCare. Service coding must match ConnectiCare's coding list to be exempt from all cost sharing.




Individual POS Combined Deductible Plan Option


Rates displayed are quoted rates only. Plans and rates are subject to approval by the Connecticut Insurance Department. Final rates are subject to change based on medical history, federal and state regualtions, and ConnectiCare's underwriting guidelines.

  POS Upfront Deductible Upfront Deductible Plans – Plans in which most covered 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, you pay a copayment or coinsurance amount and we pay for the rest of the covered service.  $10,000 Combined - D
CONTRACT YEAR COST-SHARE
Individual / Family 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.
(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. is combined for In- and Out-of-Network)
$10,000 / $20,000
Individual / Family CoinsuranceCoinsurance - The percentage of the cost of benefits that you or ConnectiCare is legally responsible to pay. Maximum
(Maximum does not include 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.)
$10,000 / $20,000
Individual / Family Out-of-Network Out-of-Pocket Maximum
(Maximum includes 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. and CoinsuranceCoinsurance - The percentage of the cost of benefits that you or ConnectiCare is legally responsible to pay. Maximum)
$20,000 / $40,000
Member Out-of-Network CoinsuranceCoinsurance - The percentage of the cost of benefits that you or ConnectiCare is legally responsible to pay. 50%
Out-of-Network Lifetime Maximum Benefit Unlimited
COVERED HEALTH SERVICES In-Network Member Cost Out-of-Network Member Cost
Routine Physical Exam
No Member cost 50% after 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.
Gynecological Annual Preventive 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. Exam Office Services No Member cost 50% after 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.
Primary Care Providers Provider – A health care facility or professional, including a doctor, nurse, physician's assistant, who delivers medical services.  Office Services No Member cost after 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. 50% after 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.
Specialist Office Services No Member cost after 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. 50% after 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.
Maternity Care Not a covered benefit Not a covered benefit
Outpatient Outpatient - Health care services provided without admission to a hospital. Laboratory Services No Member cost after 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. 50% after 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.
Non-Advanced Radiology Services No Member cost after 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. 50% after 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.
Advanced Radiology Services (includes MRI, PET and CAT Scan) No Member cost after 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. 50% after 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.
Outpatient Outpatient - Health care services provided without admission to a hospital. Rehabilitative Therapy (up to 20 visits) No Member cost after 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. 50% after 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.
Chiropractic Services (up to 10 visits) No Member cost after 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. 50% after 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.
Walk-In / Urgent Care Services No Member cost after 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. Same as In-Network
Emergency Room No Member cost after 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. Same as In-Network
Emergency Ambulance Services No Member cost after 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. Same as In-Network
Ambulatory ServicesAmbulatory Services – Any medical care delivered on an outpatient basis. (Outpatient Outpatient - Health care services provided without admission to a hospital.) No Member cost after 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. 50% after 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.
Hospitalization for Illness or Injury (excludes maternity) No Member cost after 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. 50% after 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.
Home Health Services (up to 80 visits) No Member cost (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. Waived) 25% (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. Waived)
Skilled Nursing and Rehabilitation Facilities (up to 80 days) No Member cost after 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. 50% after 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.
Durable Medical Equipment & Disposable Medical Supplies 50% after 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. 50% after 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.
PRESCRIPTION DRUG OPTIONS Tier 1 Tier 2 Tier 3
Option I - 30-Day supply through participating retail pharmacies $15 50% ($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. ) 50% ($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. )
      (Copay is 2X through mail-order)
$100 Coins Max per Script


Preventive Care and Wellness Services

IN-NETWORK SERVICES NOT SUBJECT TO COST SHARE

In-Network Prevention and wellness services as defined by the United States Preventive Service Task Force (listed below) are exempt from all member cost shares (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. , copaymentCopayment - 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. and coinsuranceCoinsurance - The percentage of the cost of benefits that you or ConnectiCare is legally responsible to pay.) under the Patient Protection and Affordable Care Act (PPACA) Patient Protection and Affordable Care Act (PPACA) - PPACA (Patient Protection and Affordable Care Act) - 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.. These services are identified by the specific coding your Provider Provider - A health care facility or professional, including a doctor, nurse, physician's assistant, who delivers medical services. submits to ConnectiCare. Service coding must match ConnectiCare's coding list to be exempt from all cost sharing.


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