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Access Health CT plans

2020 Access Health CT plans

Access Health is the Connecticut health insurance marketplace. It’s the only place where eligible individuals and families can get financial help paying for health insurance.
 

Each plan name includes a  ”metal level,” which tells you the average amount the plan pays for covered services. “POS” in plan names means you can visit out-of-network health care providers, but you will pay more. Plans with “HSA” in the name allow you to save money tax-free in a health savings account. 

 

Metal levels

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*
Gold Plans Higher Lower 80%
Silver Plans Moderate Moderate 70%
Bronze Plans Lowest Highest 60%

*Average amount plan pays for covered services.

 

  • 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.
  • HSA: This stands for "health savings account". HSA-compatible plans allow you to save money tax-free to use for qualified health care expenses.

Passage plan

With the Passage plan, you must choose a primary care provider (PCP) from those who accept the plan. You need your PCP to refer you to some types of specialists. The Passage plan offers value with no deductibles and low copays for primary and urgent care visits.

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.

Individual & family in-network deductibles: $6,500/$13,000* 

Choice plans

Choice plans let you visit any of the doctors, hospitals, labs, and facilities in our large statewide network. You can also use doctors outside our network, but you will pay more. There are several Choice plans that have no deductibles for primary care office visits, specialist office visits, and urgent care.

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.  

Deductible: $1,300 individual / $2,600 family

Choice Gold Alternative POS with Dental

Members with this gold plan have copays for most in-network services, including: $40 for primary care provider (PCP) and mental health office visits, $60 for specialist office visits, and $100 for urgent care visits. This plan also includes adult dental coverage. 

Deductible: $3,750 individual / $7,500 family

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. 

Deductible: $0 individual / $0 family

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. 

Deductible: $650 individual / $1,300 family

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. 

Deductible: $3,950 individual / $7,900 family

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.  

Deductible: $4,300 individual / $8,600 family

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. 

Deductible: $5,400 individual / $10,800 family*

Choice Bronze Standard POS HSA

After meeting the in-network deductible, members with this bronze plan pay 10% coinsurance for primary care provider (PCP), specialist, and mental health office visits.

Deductible: $5,685 individual / $11,370 family*

Choice Bronze Standard POS

This bronze plan has a $40 copay for primary care provider (PCP) and mental health office visits. Specialist office visits have a $60 copay after the in-network deductible is met.

Deductible: $6,200 individual / $12,400 family*

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.

Deductible: $8,150 individual / $16,300 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.

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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.