at a glance
- ConnectiCare is a managed care company that provides Medicare Advantage (Part C) plans throughout Connecticut.
- Every ConnectiCare Part C plan covers as least as much as original Medicare, plus some extras like prescription drug, dental, and vision coverage.
- ConnectiCare has been serving state residents for 40 years, with 100% of Connecticut hospitals in its network.
ConnectiCare is a managed care company and subsidiary of New York–based healthcare insurer, EmblemHealth. It offers Medicare Advantage (Part C) plans to people who live in Connecticut.
ConnectiCare网络提供商,包括general practitioners and specialists, can be found throughout the entire state of Connecticut and in western Massachusetts. ConnectiCare providers also practice in four New York counties, including Westchester, Orange, Putnam, and Rockland.
Read on to learn what the Medicare Advantage plans from ConnectiCare offer and to get a look at how much they might cost.
ConnectiCare offers four types of Medicare Advantage plans. Next, we’ll go over the basics of what each type offers.
ConnectiCare HMO plans
ConnectiCare Choice
Like allHealth Maintenance Organization (HMO)plans, ConnectiCare Choice plans pay for only the medical care you receive from in-network providers, pharmacies, and hospitals.
There are three Choice plan levels, indicated by numbers 1, 2, and 3. Each level has different costs and provides varying degrees of coverage. All three plans are available in all eight counties.
Plan 1 and Plan 3 include Medicare Part D prescription drug coverage. Plan 2 does not.
ConnectiCare Passage
There’s only one ConnectiCare Passage plan. What sets this plan apart is its $500 hearing aid allowance.
The ConnectiCare Passage plan is available in all eight Connecticut counties and includes prescription drug coverage.
ConnectiCare Flex
像所有的hmo,包括Point-of-Service (POS) option, ConnectiCare Flex plans give you the ability to use out-of-network providers throughout the United States.
There are three Flex plan levels, indicated by numbers 1, 2, and 3. All three plans are available in all eight Connecticut counties.
Flex Plan 3 has a varying monthly premium based on the county where you live.
ConnectiCare Special Needs Plans
ConnectiCare Choice Duals
ThisDual Eligible Special Needs Plan (D-SNP)is available for Connecticut residents who are eligible for Medicare and the Connecticut Medicaid program, known asHUSKY Health.
It’s available in all eight Connecticut counties and includes prescription drug coverage.
As discussed above, certain ConnectiCare Advantage plans includeMedicare Part Dprescription drug coverage. ConnectiCare doesn’t sell any stand-alone Part D plans.
You must use ConnectiCare in-network pharmacies to get the most coverage for your prescription medications.
Like all Medicare plans that provide prescription drug coverage, ConnectiCare HMO and HMO-POS plans have a formulary.
A formulary is a list of covered prescription drugs that’s divided into tiers. These tiers include different types or categories of medications. Each tier has different out-of-pocket costs, deductibles, and copays.
ConnectiCare’s formulary includes five tiers. Copays for medications on each tier vary based on whether or not you use a standard or preferred pharmacy, with preferred pharmacies being less expensive.
ConnectiCare Medicare Advantage plans are available only to residents ofConnecticut. You must also beeligible to enrollin Medicare.
These plans are available in all eight Connecticut counties.
ConnectiCare Medicare Advantage plans are required to cover at least as much as original Medicare (Part AandPart B).
Some of these services include:
- in-patient hospital care
- hospice care
- limitedskilled nursing facility care
- limitedhome health care
- emergency ambulance services
- durable medical equipment
- outpatient preventive and medically necessary services
- screenings for conditions likediabetes, cardiovascular disease, certain types of cancer, depression, andsubstance use disorder
- flu andpneumonia shots
Some ConnectiCare plans provide additional coverage for:
- preventive or comprehensivedental care
- prescription drugs
- vision careand aneyewearallowance
- fitness programs
- Teledoc services
- emergency services required outside of the United States
- SilverSneakersprogram
- an allowance for over-the-counter medical items
The copays, deductibles, and premiums for ConnectiCare plans may vary from county to county. The table below provides some samples costs for a few different ConnectiCare Medicare Advantage plans in a few areas across the state.
Location, plan | Monthly premium | Health deductible, drug deductible | Primary care copay | Specialist copay | Out-of-pocket max |
---|---|---|---|---|---|
Bristol, CT: ConnectiCare Choice Plan 3 (HMO) | $0 | $395, $445 | $10 | $45 | $7,550 |
Stamford, CT: ConnectiCare Passage Plan 1 (HMO) | $0 | $0, $275 | $15 | $50 | $7,550 |
West Haven, CT: ConnectiCare Choice Dual (HMO D-SNP) | $0 | $0, $480 | $0 | $0 | $7,550 |
Norwich, CT: ConnectiCare Flex Plan 2 (HMO-POS) | $135 | $0, $300 | $15 | $35 | $6,000 in network, $10,000 out of network |
Medicare Advantage (Part C)plans are optional insurance plans you may choose to purchase from a private insurance company. To buy a Part C plan, you must first enroll in original Medicare.
By law, Part C plans are required to cover at least as much as original Medicare. Many Part C plans, including some ConnectiCare plans, also cover extras that original Medicare doesn’t. These extras may include:
- prescription drug coverage
- vision coverage
- dental coverage
并不是所有的每个locati C计划一部分是可用的on. Your state, county, and ZIP code determine what plans you are eligible to buy. You can search and review the Part C plans available in your ZIP code using Medicare’splan finder tool.
Part C plans typically require that you see providers within their network. If you wish to keep your current doctors who accept Medicare assignment, check to see if they’re listed under the plan you’re considering before you sign up.
- ConnectiCare offers Medicare Advantage plans to residents of Connecticut.
- ConnectiCare plans are available in all eight counties in Connecticut.
- ConnectiCare’s plans vary in terms of copays, deductibles, and covered services.
- Some, but not all, ConnectiCare Part C plans include prescription drug coverage.