Page 11 - SOLO Member Guidebook

WHICH PLAN?

5. WHICH PLAN IS RIGHT FOR YOU?

Key Questions To Ask responsibilities of having an HSA before opening
Choosing a health plan is one of the most important one. (See the section on HSAs on page 39 for
decisions you make. ConnectiCare SOLO offers a more information.)
variety of plan designs to fit a variety of different needs
and budgets. How do you go about picking the right Remember, when choosing a plan be sure to
one? First, it’s important to seek guidance from your understand your coverage needs, your financial
ConnectiCare Agent. This person serves an import- situation and your comfort level with cost-sharing.
ant role in helping you understand your options.
And work closely with your ConnectiCare Agent
to make sure that all your questions are answered.
Here are some questions to help guide you and your
ConnectiCare Agent in selecting a plan:
All plans being sold meet the new health care reform
requirements of the Patient Protection and Afford-
• Are you comfortable with having an up-front
able Care Act.
deductible? (This is a total amount you must pay
for benefits under your plan during the calender ConnectiCare SOLO POS Plans
year before ConnectiCare begins paying for
We offer three different “families” of POS Open
those benefits.) If yes, consider one of our POS
Access Plans: Up-front Deductible, Hospital
Up-Front Deductible Plans, with deductible
Deductible and High-Deductible Health Plans
options ranging from $500 to $10,000, or one of
(see next section). Each family of plans provides the
our High-Deductible Health Plans (HDHPs.)
freedom to choose providers in-network or out-of-
network without a referral from your Primary
• Do you prefer having a copayment for most
Care Provider (PCP). You can use our in-network
in-network services rather than an up-front
participating providers to receive the highest level
deductible? (A copayment is a flat fee you pay for
of benefits, or you may choose to go out-of-network
certain benefits, like doctor visits and prescription
to visit a doctor of your choice and receive a lower
drugs.) If this is your preference, our POS
level of benefits.
Hospital Deductible Plan may be a good fit.
This plan only applies a deductible to hospital
• Within the POS Upfront Deductible family, there
services – ambulatory (outpatient hospital,
are many different plans to choose from based on
including free-standing outpatient surgery centers)
the deductible level. Each plan has an in-network
and inpatient.
plan deductible for individual or family, and a
separate out-of-network plan deductible for
• Are you interested in a low-premium plan that
individual or family. The calendar-year deductible
can be combined with the tax advantages of a
must be met before the plan begins to provide
Health Savings Account (HSA)? Carefully review
benefits except for preventive care. Once the
our selection of High-Deductible Health Plans
deductible is met, other cost-shares, such as
(HDHPs), which are designed to work in concert
copayments, will apply.
with an HSA fund. Be sure you understand the

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