Switch to:

Member

Switch to:
Switch to:

Search

Popular Tasks

Contact Us

Visit a ConnectiCare Center

Access Health CT Plans

Access Health Header

Open Enrollment is Here - Get More
Coverage for Less Than You May Think

Open Enrollment runs from Nov. 1, 2021 through Jan. 15, 2022. To have coverage effective Jan. 1, 2022, you must enroll by Dec. 15, 2021. If you have a qualifying event, you may be able to enroll in a 2022 plan after Jan. 15, 2022.

 

New for 2022 – More financial help is available with the passing of the American Rescue Plan Act. People who didn’t previously qualify may now be eligible for an advanced premium tax credit (APTC) when purchasing a ConnectiCare plan through Access Health CT.

 

And there are new FlexPOS plans with coverage that goes where you go, giving you access to in-network care across the U.S.

 

Call us at 800-723-2986 (TTY: 711) to see how much you may be able to save, or visit one of our ConnectiCare Centers. You can also learn more by visiting our Frequently Asked Questions or from Access Health CT. Visit accesshealthct.com or call 855-805-4325

Note: Only plans purchased through Access Health CT qualify for a premium tax credit.

Keys to Plan Names

“Metal levels” tell you the average amount the plans pay for covered services. The chart below describes ranges of premiums and out-of-pocket costs for each plan level. 

Metal Level Premiums Out-of-Pocket Costs Plan Pays*
Platinum Plans Highest Lowest 90%
Gold Plans Higher Lower 80%
Silver Plans Moderate Moderate 70%
Bronze Plans Lowest Highest 60%

*Average amount plan pays for covered services.

  • EPO/HMO – Plans with EPO (exclusive provider organization) or HMO (health maintenance organization) in its name allows you to see any doctor or other health care provider who participates in the plan’s network.
  • HSA: This stands for "health savings account". HSA-compatible plans allow you to save money tax-free to use for qualified health care expenses.
  • POS: Plans with POS ("Point-of service") in their name means you'll be able to visit out-of-network doctors, but you'll generally pay more.

Passage Plan

The Passage plan puts your health care right where it belongs: between you and your doctor. You must, however, choose a PCP from those who accept Passage plans and get your PCP to refer you to some types of specialists.

2022 Passage Bronze Alternative PCP POS

This bronze plan waives the deductible for in-network primary care provider (PCP) office visits ($0 copay). Members with this plan must use PCPs who participate in the Passage plan and must get their PCP’s referral to many types of specialists.

See plan documents

Individual & Family In-Network Deductibles: $7,000/$14,000*

Choice Plans

Choice plans let you manage your health your way. You may use any of the doctors, hospitals, labs, and facilities in our large network covering Connecticut, and parts of Massachusetts and Rhode Island.

2022 Choice Gold Standard POS

This gold plan has copays for in-network services, including: $20 for primary care provider (PCP) and mental health office visits, $40 for specialist office visits, and $50 for urgent care visits.

See plan documents

Deductible: $1,300 Individual / $2,600 Family

2022 Choice Gold Alternative POS with Dental

Members with this gold plan have copays for most in-network services, including: $30 for primary care provider (PCP) visits, $50 for mental health and specialist office visits, and $50 for urgent care visits. This plan also includes adult dental coverage.

See plan documents

Deductible: $3,500 Individual / $7,000 Family*

2022 Choice Gold Alternative POS

This gold plan has copays for most in-network services, including: $40 for primary care provider (PCP) visits, $60 for mental health and specialist office visits, and 40% coinsurance for urgent care visits. 

See plan documents

Deductible: $2,000 Individual / $4,000 Family

2022 Choice Silver Standard POS

This silver plan has copays for most in-network services, including: $40 for primary care provider (PCP) and mental health office visits, $60 for specialist office visits, and $75 for urgent care visits.  

See plan documents

Deductible: $4,300 Individual / $8,600 Family

2022 Choice Silver Standard POS (CSR 94%)***

This silver plan for individuals and families who qualify has no deductible. Copays for in-network services include: $10 for primary care provider (PCP) and mental health office visits, $25 for urgent care visits, and $30 for specialist office visits.

See plan documents

Deductible: $0 Individual / $0 Family

2022 Choice Silver Standard POS (CSR 87%)***

This silver plan for individuals and families who qualify has copays for most in-network services, including: $20 for primary care provider (PCP) and mental health office visits, $35 for urgent care visits, and $45 for specialist office visits. 

See plan documents

Deductible: $650 Individual / $1,300 Family

2022 Choice Silver Standard POS (CSR 73%)***

This silver plan for individuals and families who qualify features copays for most in-network services, including: $40 for primary care provider (PCP) and mental health office visits, $60 for specialist office visits, and $75 for urgent care visits. 

See plan documents

Deductible: $3,950 Individual / $7,900 Family

2022 Choice Bronze Alternative POS with Dental

This bronze plan waives the deductible for in-network primary care provider (PCP) ($45 copay) and mental health office visits ($60 copay). The deductible and copayments do apply to specialist and urgent care visits. This plan also includes adult dental coverage.

See plan documents

Deductible: $6,000 Individual / $12,000 Family*

2022 Choice Bronze Alternative POS

This bronze plan waives the deductible for in-network primary care provider (PCP) visits ($30 copay) and urgent care visits (50% coinsurance). After meeting the in-network deductible, members with this plan pay $0 copay for mental health office visits, $60 copay for specialist visits. 

See plan documents

Deductible: $6,250 Individual / $12,500 Family*

2022 Choice Bronze Standard POS HSA

After meeting the in-network deductible, members with this bronze plan pay 20% coinsurance for primary care provider (PCP), specialist, and mental health office visits.

See plan documents

Deductible: $6,500 Individual / $13,000 Family*

2022 Choice Bronze Standard POS

This bronze plan has a $50 copay for primary care provider (PCP) and mental health office visits. Specialist office visits have a $70 copay after the in-network deductible is met.

See plan documents

Deductible: $6,550 Individual / $13,100 Family*

2022 Choice Catastrophic POS with Dental****

This is a plan for people under 30 or who qualify because of financial hardship. It has a $30 copay for the first three (3) primary care provider (PCP) and mental health office visits plus coverage for preventive dental care.

See plan documents

Deductible: $8,700 Individual / $17,400 Family*

Compass Plan

With the Compass plan, you can lower your out-of-pocket costs by visiting “preferred” primary care providers (PCPs) and hospitals in the ConnectiCare network. All others are designated as “participating”.  You can visit them, too, but you may pay more.

2022 Compass Gold Alternative POS

This gold plan waives the deductible for preferred primary care provider (PCP) visits ($20 copay). Mental health and specialist office visits ($60 copay), and urgent care visits ($75 copay) are all waived from the deductible. If you chose to see a participating PCP, you will pay 40% coinsurance after deductible.

See plan documents

Preferred Providers Deductible: $2,000 Individual / $4,000 Family*
Participating Providers Deductible: $3,500 Individual / $7,000 Family *

2022 Compass EPO Gold Alternative

This gold plan waives the deductible for preferred primary care provider (PCP) visits ($20 copay). Mental health and specialist office visits ($45 copay), and urgent care visits ($75 copay) are all waived from the deductible. If you chose to see a participating PCP, you will pay 40% coinsurance after deductible.  This plan does not have out-of-network coverage other than coverage for some emergency services.**

See plan documents

Preferred Providers Deductible: $2,500 Individual / $5,000 Family*
Participating Providers Deductible: $4,000 Individual / $8,000 Family *

FlexPOS

New FlexPOS plans offer coverage in Connecticut, Massachusetts, New York through EmblemHealth Prime network and nationally through the First Health® network. These plans offer in-network coverage wherever you go in the United States, plus you have emergency coverage worldwide.**

2022 FlexPOS Platinum Alternative

This platinum plan has copays for in-network services, including: $20 for primary care provider (PCP) and mental health office visits, $30 for specialist office visits, and $50 for urgent care visits.

See plan documents

Deductible: $1,200 Individual / $2,400 Family

2022 FlexPOS Gold Standard

This gold plan has copays for in-network services, including: $20 for primary care provider (PCP) and mental health office visits, $40 for specialist office visits, and $50 for urgent care visits.

See plan documents

Deductible: $1,300 Individual / $2,600 Family

2022 FlexPOS Silver Standard

This silver plan has copays for most in-network services, including: $40 for primary care provider (PCP) and mental health office visits, $60 for specialist office visits, and $75 for urgent care visits.

See plan documents

Deductible: $4,300 Individual / $8,600 Family

2022 FlexPOS Silver Standard (CSR 94%)***

This silver plan for individuals and families who qualify has no deductible. Copays for in-network services include: $10 for primary care provider (PCP) and mental health office visits, $25 for urgent care visits, and $30 for specialist office visits. 

See plan documents

Deductible: $0 Individual / $0 Family

2022 FlexPOS Silver Standard (CSR 87%)***

This silver plan for individuals and families who qualify has copays for most in-network services, including: $20 for primary care provider (PCP) and mental health office visits, $35 for urgent care visits, and $45 for specialist office visits. 

See plan documents

Deductible: $650 Individual / $1,300 Family*

2022 FlexPOS Silver Standard (CSR 73%)***

This silver plan for individuals and families who qualify features copays for most in-network services, including: $40 for primary care provider (PCP) and mental health office visits, $60 for specialist office visits, and $75 for urgent care visits.

See plan documents

Deductible: $3,950 Individual / $7,900 Family*

2022 FlexPOS Bronze Standard HSA

After meeting the in-network deductible, members with this bronze plan pay 20% coinsurance for primary care provider (PCP), specialist, and mental health office visits.

See plan documents

Deductible: $6,500 Individual / $13,000 Family*

2022 FlexPOS Bronze Standard

This bronze plan has a $50 copay for primary care provider (PCP) and mental health office visits. Specialist office visits have a $70 copay after the in-network deductible is met.

See plan documents

Deductible: $6,550 Individual / $13,100 Family*

*Integrated medical and prescription drug deductible.

**Subject to limitations

***Available for individuals and families up to 250% Federal of the Poverty Level. Cost Sharing Reduction (CSR) plans are only available through Access Health CT, and enrollment is limited to those individuals with qualifying income levels based on income and household size. Please visit accesshealthct.com to find out if you are eligible to enroll in a Cost Sharing Reduction Plan, which can reduce the amount you have to pay out of pocket for essential health benefits. 

**** Catastrophic plans are available to those under age 30 and those who qualify for certain exemptions through Access Health CT.

 

Standard plans are the same for all carriers to easily compare options across carriers.
 

Notice of Rate Justification


Coverage underwritten by ConnectiCare Benefits, Inc. and ConnectiCare Insurance Company, Inc., not by Access Health CT.

 

Teladoc and related marks are trademarks of Teladoc Health, Inc. and are used by ConnectiCare with permission.

Passage Plan

The Passage plan puts your health care right where it belongs: between you and your doctor. You must, however, choose a PCP from those who accept Passage plans and get your PCP to refer you to some types of specialists.

2021 Passage Bronze Alternative PCP POS

This bronze plan waives the deductible for in-network primary care provider (PCP) office visits ($0 copay). Members with this plan must use PCPs who participate in the Passage plan and must get their PCP’s referral to many types of specialists.

See plan documents

Individual & Family In-Network Deductibles: $7,000/$14,000*

Choice Plans

Choice plans let you manage your health your way. You may use any of the doctors, hospitals, labs, and facilities in our large network covering Connecticut, and parts of Massachusetts and Rhode Island.

2021 Choice Gold Standard POS

This gold plan has copays for in-network services, including: $20 for primary care provider (PCP) and mental health office visits, $40 for specialist office visits, and $50 for urgent care visits.

See plan documents

Deductible: $1,300 Individual / $2,600 Family

2021 Choice Gold Alternative POS with Dental

Members with this gold plan have copays for most in-network services, including: $30 for primary care provider (PCP) visits, $50 for mental health and specialist office visits, and $50 for urgent care visits. This plan also includes adult dental coverage.

See plan documents

Deductible: $3,500 Individual / $7,000 Family*

2021 Choice Silver Standard POS (CSR 94%)**

This silver plan for individuals and families who qualify has no deductible. Copays for in-network services include: $10 for primary care provider (PCP) and mental health office visits, $25 for urgent care visits, and $30 for specialist office visits.

See plan documents

Deductible: $0 Individual / $0 Family

2021 Choice Silver Standard POS (CSR 87%)**

This silver plan for individuals and families who qualify has copays for most in-network services, including: $20 for primary care provider (PCP) and mental health office visits, $35 for urgent care visits, and $45 for specialist office visits. 

See plan documents

Deductible: $650 Individual / $1,300 Family

2021 Choice Silver Standard POS (CSR 73%)**

This silver plan for individuals and families who qualify features copays for most in-network services, including: $40 for primary care provider (PCP) and mental health office visits, $60 for specialist office visits, and $75 for urgent care visits. 

See plan documents

Deductible: $3,950 Individual / $7,900 Family

2021 Choice Silver Standard POS

This silver plan has copays for most in-network services, including: $40 for primary care provider (PCP) and mental health office visits, $60 for specialist office visits, and $75 for urgent care visits.  

See plan documents

Deductible: $4,300 Individual / $8,600 Family

2021 Choice Bronze Alternative POS with Dental

This bronze plan waives the deductible for in-network primary care provider (PCP) ($40 copay) and mental health office visits ($60 copay). The deductible and copayments do apply to specialist and urgent care visits. This plan also includes adult dental coverage.

See plan documents

Deductible: $6,000 Individual / $12,000 Family*

2021 Choice Bronze Standard POS HSA

After meeting the in-network deductible, members with this bronze plan pay 20% coinsurance for primary care provider (PCP), specialist, and mental health office visits.

See plan documents

Deductible: $6,350 Individual / $12,700 Family*

2021 Choice Bronze Standard POS

This bronze plan has a $50 copay for primary care provider (PCP) and mental health office visits. Specialist office visits have a $70 copay after the in-network deductible is met.

See plan documents

Deductible: $6,550 Individual / $13,100 Family*

2021 Choice Catastrophic POS with Dental***

This is a plan for people under 30 or who qualify because of financial hardship. It has a $30 copay for the first three (3) primary care provider (PCP) and mental health office visits plus coverage for preventive dental care.

See plan documents

Deductible: $8,550 Individual / $17,100 Family*

Virtual Plans

Virtual plans have $0 copays for unlimited virtual visits with Teladoc®. Use the Teladoc mobile app, your phone, or video conference to visit a Teladoc doctor or licensed nurse 24/7/365. Teladoc health professionals can diagnose, treat, and, if medically necessary, prescribe medicines for a wide range of non-emergency conditions. You can visit other doctors and health care professionals when you need to, but you may be responsible for a deductible or a copay.

2021 Gold Virtual Alternative POS

This gold plan waives the deductible for in-network primary care provider (PCP) visits ($0 copay for virtual visits with Teladoc; $40 copay for all others), mental health office visits ($60 copay), and specialist visits ($60 copay). After meeting the in-network deductible, members with this plan pay 40% coinsurance for urgent care visits.

See plan documents

Deductible: $2,000 Individual / $4,000 Family

2021 Bronze Virtual Alternative POS

This bronze plan waives the deductible for in-network primary care provider (PCP) visits ($0 copay for virtual visits with Teladoc; $30 copay for all others). After meeting the in-network deductible, members with this plan pay $0 copay for mental health office visits, $60 copay for specialist visits, and 50% coinsurance for urgent care visits.

See plan documents

Deductible: $6,000 Individual / $12,000 Family*

Compass Plan

With the Compass plan, you can lower your out-of-pocket costs by visiting “preferred” primary care providers (PCPs) and hospitals in the ConnectiCare network. All others are designated as “participating.” You can visit them, too, but you may pay more.

2021 Compass Gold Alternative POS

This gold plan waives the deductible for preferred primary care provider (PCP) visits ($20 copay), mental health office visits ($60 copay), specialist visits ($60 copay), and urgent care visits ($75 copay). After meeting the in-network deductible, members with this plan pay 40% for other participating PCP visits.

See plan documents

Preferred Providers Deductible: $2,000 Individual / $4,000 Family*
Participating Providers Deductible: $3,500 Individual / $7,000 Family *

 

*Integrated medical and prescription drug deductible.

**Available for individuals and families up to 250% Federal of the Poverty Level. Cost Sharing Reduction (CSR) plans are only available through Access Health CT, and enrollment is limited to those individuals with qualifying income levels based on income and household size. Please visit accesshealthct.com to find out if you are eligible to enroll in a Cost Sharing Reduction Plan, which can reduce the amount you have to pay out of pocket for essential health benefits. 

***Catastrophic plans are only available to people under age 30, or people 30 and older who qualify for a hardship/affordability exemption.

 

Standard plans are the same for all carriers to easily compare options across carriers.
 

Notice of Rate Justification


For ConnectiCare plans offered through Access Health CT, coverage is underwritten by ConnectiCare Benefits, Inc. only, not by Access Health CT.

Telemedicine is not appropriate for all covered services, and restrictions apply. Teladoc® and the Teladoc logo are registered trademarks of Teladoc Health, Inc. and may not be used without written permission.

Find the best plan for your needs.

shop the marketplace

Get Help Enrolling in a Plan

Individual and Family Access Health Plans Contact Us CTA

Language Assistance:

©2021 ConnectiCare. All Rights Reserved.

Any information provided on this Website is for informational purposes only. It is not medical advice and should not be substituted for regular consultation with your health care provider. If you have any concerns about your health, please contact your health care provider's office. Also, this information is not intended to imply that services or treatments described in the information are covered benefits under your plan. Please refer to your Membership Agreement, Certificate of Coverage, Benefit Summary, or other plan documents for specific information about your benefits coverage.