A network you can count on

ConnectiCare plans let you choose network doctors and hospitals with less worry about how your choices affect your costs. Choose from thousands of doctors and EVERY Connecticut hospital in our network.

Every CT Hospital Image

We offer two types of POS plans:

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.

There are many Choice POS plans to consider, including our Choice Gold and Silver Standard POS plans with no deductibles for doctor office and urgent care visits.

PASSAGE PLAN

Our Passage Bronze plan may help make it easier for you to get the care you need with:

- No deductible for primary care provider (PCP) office visits and urgent care

- Unlimited PCP office visits for just $0 each

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.

2019 PASSAGE PLAN

Metal Level Plan Name Individual & Family Deductible PCP Visit Cost Share
Image Description Passage Bronze
Alternative PCP POS
$6,500/$13,000 $0 copay

2019 CHOICE PLANS

Metal Level Plan Name Individual & Family Deductible PCP Visit Cost Share
Image Description Choice Bronze
Standard POS
$6,000/$12,000** $40 copay
(deductible waived)
Image Description Choice Bronze
Standard POS HSA
$5,685/$11,370** 10% coinsurance after deductible
Image Description Choice Silver
Standard POS
$4,300/$8,600 $40 copay
(deductible waived)
Image Description Choice Silver Standard
POS (CSR 73%)*
$3,900/$7,800 $40 copay
(deductible waived)
Image Description Choice Silver Standard
POS (CSR 87%)*
$600/$1,200 $20 copay
(deductible waived)
Image Description Choice Silver Standard
POS (CSR 94%)*
$900/$1,800 $10 copay
Image Description Choice Silver Standard
Coinsurance POS
$3,500/$7,000 30% coinsurance 
(deductible waived)
Image Description Choice Silver Standard
Coinsurance POS (CSR 73%)*
$2,600/$5,200 30% coinsurance 
(deductible waived)
Image Description Choice Silver Standard
Coinsurance POS (CSR 87%)*
$500/$1,000 20% coinsurance 
(deductible waived)
Image Description Choice Silver Standard
Coinsurance POS (CSR 94%)*
$0 20% coinsurance
Image Description Choice Silver
Alternative POS
$4,500/$9,000** At Sanitas Medical Center:
$0 (deductible waived)
For all other primary care:
$40 copay (deductible waived)
Image Description Choice Silver Alternative
POS (CSR 73%)*
$3,500/$7,000** At Sanitas Medical Center:
$0 (deductible waived)
For all other primary care:
$40 copay (deductible waived)
Image Description Choice Silver Alternative
POS (CSR 87%)*
$1,000/$2,000** At Sanitas Medical Center:
$0 (deductible waived)
For all other primary care:
$25 copay (deductible waived)
Image Description Choice Silver Alternative
POS (CSR 94%)*
$250/$500** At Sanitas Medical Center:
$0 (deductible waived)
For all other primary care:
$15 copay (deductible waived)
Image Description Choice Gold Standard POS $1,300/$2,600 $20 copay
(deductible waived)
  Choice Catastrophic POS*** $7,900/$15,800** $30 copay per visit 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 over age 30 with financial hardship who qualify for an affordability exemption. There are also plans on Access Health CT that are available to Alaskan Natives and American Indians.

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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