Commercial Networks
and Benefit Plans

For plan details and complete lists of the commercial plans offered, see:

• 2025 Summary of Companies, Lines of Business, Networks, and Benefit Plans.
• 2024 Summary of Companies, Lines of Business, Networks, and Benefit Plans.

For some ConnectiCare benefit plans, members are allowed to see some providers contracted with EmblemHealth using their in-network benefits. Similarly, some EmblemHealth benefit plans let their members see certain ConnectiCare providers using their in-network benefits. The summaries linked above indicate which networks and benefit plans this reciprocity applies to.

To easily determine if you or a provider you work for is in-network for a ConnectiCare or EmblemHealth member, use the Check Provider Network Status tool in the Member Management section of the provider portal.

Value Network
ConnectiCare has a tailored network called “Value” that is offered to commercial large group and individual members who purchase health benefit plans from ConnectiCare Insurance Company, Inc. through Access Health CT.

Our Value Network features a tailored network that is a subset of our commercial Choice Network. It may be the right solution for individuals who can choose care options within a more localized area. All Value Network providers are located in Connecticut. There is no reciprocity with EmblemHealth’s networks.

ConnectiCare member ID cards will clearly indicate whether a member has selected the Value Network. Members do not need a primary care provider (PCP) and do not need referrals to see specialists in this network.

Choice Network
The benefit plans that use the Choice Network let members manage their health their way. They may use any of the doctors, hospitals, labs, and facilities in our large network covering Connecticut.

Members do not need a PCP and do not need referrals to see specialists in this network.

FlexPOS Network
The benefit plans that use the Flex Network give members the most flexibility with state, regional, and national network coverage through First Health.

First Health is the national provider network for FlexPOS benefit plans, giving members coverage where they live, work, and travel.

Members do not need a PCP and do not need referrals to see specialists in this network.

Preferred Sites of Service

When you schedule services for your members, please be mindful that certain sites of service will be more cost-effective for your members. We will continue to offer opportunities for savings.

For some benefit plans, member cost-share will be lower when rendered at a freestanding or independent location vs. hospital outpatient facility.