We offer two types of POS plans:

PASSAGE PLANS

Passage plans can give you a better value and a simple pathway to the services you need. 
With Passage you get:

- Unlimited primary care physician (PCP) visits for just $5 each

- Specialist visits start at $25 each, with a referral from your PCP

- No deductible for PCP and specialist visits

CHOICE PLANS

Choice plans let you manage your care your way with access to our broad network and the freedom to see a specialist without a referral.

Choice plans are also available with Health Savings Accounts (HSAs). An HSA is a savings account that you can fund with pre-tax dollars and use to pay for qualified health care expenses, including prescriptions.

ConnectiCare Benefits, Inc. plans on Access Health CT are grouped by “metal” level, which helps you to better understand how much of your medical expenses are covered. Listed below are descriptions for premium ranges and out-of-pocket costs for each metal level.


Metal Level Premiums Member's Out-of-Pocket Costs Plan Pays
bronze Lowest Highest 60%
silver Moderate Moderate 70%
gold Higher Lower 80%
†Average amount plan pays for covered services.

2017 PASSAGE PLANS

Metal Level Plan Name Individual & Family Deductible PCP Visit Cost Share
Image Description Passage Alternative PCP POS $2,900/$5,800 $5 copay
(deductible waived)
Image Description Passage Alternative PCP POS (CSR 73%)* $2,450/$4,900 $5 copay
(deductible waived)
Image Description Passage Alternative PCP POS (CSR 87%)* $750/$1,500 $5 copay
(deductible waived)
Image Description Passage Alternative PCP POS (CSR 94%)* N/A $5 copay

2017 CHOICE PLANS

Metal Level Plan Name Individual & Family Deductible PCP Visit Cost Share
Image Description Choice Standard POS $6,000/$12,000** $40 copay
(deductible waived)
Image Description Choice Standard POS HSA $5,685/$11,370** 10% coinsurance after deductible
Image Description Choice Standard POS $4,000/$8,000 $35 copay
(deductible waived)
Image Description Choice Standard POS
(CSR 73%)*
$3,400/$6,800 $35 copay
(deductible waived)
Image Description Choice Standard POS
(CSR 87%)*
$700/$1,400 $20 copay
(deductible waived)
Image Description Choice Standard POS
(CSR 94%)*
N/A $10 copay
Image Description Choice Alternative POS $1,000/$2,000** $35 copay
(deductible waived)
Image Description Choice Alternative POS
(CSR 73%)*
$1,000/$2,000** $35 copay
(deductible waived)
Image Description Choice Alternative POS
(CSR 87%)*
$400/$800** $25 copay
(deductible waived)
Image Description Choice Alternative POS
(CSR 94%)*
$150/$300** $15 copay
(deductible waived)
Image Description Choice Standard POS $1,550/$3,100 $20 copay
(deductible waived)
  Choice Catastrophic POS*** $7,150/$14,300** $30 copay for the first 3 visits.
Deductible applies for additional visits.
$0 after 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.

**Integrated medical and prescription drug deductible.

***The Standard Basic Point of Service (POS) plan is a catastrophic plan and available only to adults under age 30 and those with financial hardship. There are also plans on Access Health CT that are available to Alaskan Natives and American Indians.
Notice of Rate Justification