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We help make affordable health insurance possible.

Group health insurance should work for your employees and your bottom line. Together, we will guide and help you understand the plan options that work best for you and the amount you want to pay towards your employee premiums (monthly payments). We can even help you see if you qualify for any tax credits (financial help).

You control the coverage

With Access Health CT Small Business, you decide which plans to offer your employees and the amount you pay toward employee premiums (monthly payments).

See if you are eligible for tax credits (financial help)

We can help you see if your small business qualifies for tax credits — in some cases up to 50% of your contributions toward your employees premiums (monthly payments), or up to 35% for non-profits

“Is there a specific enrollment date or timeframe?”

No. Group health insurance is not tied to annual enrollment date. Group health insurance is based on a rolling date and can start any month of the year.

Jerome Chisolm |  Contact me

More FAQs

Here are some essential health benefits offered with all of our plans.

Prescription drug coverage

Key preventive and wellness services and chronic disease management

Pediatric (children’s health and well-child care) services, including dental and vision care

Maternity and newborn care

Outpatient services (ambulatory care)

Laboratory services and tests

Emergency services

In-hospital care (hospitalization)

Mental health and substance abuse services, including behavioral health treatment

Rehabilitative and habilitative services and devices

73%

of New England companies with fewer than 50 employees offer medical benefits through small business health insurance plans1.

1 U.S. Bureau of Labor Statistics

38.7%

of Connecticut businesses with fewer than 50 employees offer health insurance of any kind to employees2.

2 Kaiser Family Foundation

Want to know what plans we offer?

For 2021 and 2022 Access Health CT Small Business offers three basic categories for coverage – Gold, Silver and Bronze – from Anthem and ConnectiCare.

Looking for group dental plans? We can help.

Explore group dental plans

Plan year:
Plan type:
Anthem
Anthem Gold Pathway CT PPO
2022
Benefit Year: Contract
Referrals: Required
Preventative Adult Exams: No Cost
PCP Office Visit: $25 Copayment per visit
Specialist Office Visit $50 Copayment per visit
Prescription Drugs Tier 1: $5 Copay; Tier 2: $50 Copay; Tier 3: 30% up to $500; Tier 4: 30% up to $1000
Mail Order Drug Tier 1: $13 Copay; Tier 2: $150 Copay; Tier 3: 30% up to $1500; Tier 4: 30% up to $1000
Inpatient Hospital No Cost after Plan Deductible is met
Emergency Room 20% Coinsurance after Plan Deductible is met
Walk-in Urgent Care $25 Copayment per visit at a Walk-In Center $100 Copayment per visit at an Urgent Care Facility (Urgent Care Center)
Ambulance No Cost
Outpatient Surgery $300 Copayment per visit at a Surgical Center No Cost-Share after Deductible is met at an Outpatient Hospital Facility
Laboratory Service No Cost-Share at Site-of-Service Providers No Cost- Share after Deductible is met at an Outpatient Hospital Facility
Outpatient Diagnostic Tests No cost at site-of-service providers; No cost after deductible at outpatient hospital facility
Outpatient Diagnostic Imaging $75 copay to $375 max at site-of-service providers; No cost after deductible is met at outpatient hospital facility
Outpatient Mental Health $25 Copayment per visit
Durable Medical Equipment 50% Coinsurance after deductible is met
Individual Deductible $2,500
Family Deductible $5,000
Out-of-Pocket Maximum $4,500
Family Out-of-Pocket Maximum $9,000
Anthem
Anthem Silver Pathway CT PPO
2022
Benefit Year: Contract
Referrals: Required
Preventative Adult Exams: No Cost
PCP Office Visit: $40 Copayment per visit
Specialist Office Visit $80 Copayment per visit
Prescription Drugs Tier 1: $5 Copayment; Tier 2: $50 Copayment; Tier 3: 30% Coinsurance up to $500; Tier 4: 30% Coinsurance up to $1,000
Mail Order Drug Tier 1: $13 Copayment; Tier 2: $150 Copayment; Tier 3: 30% Coinsurance up to $1,500; Tier 4: 30% Coinsurance up to $1,000
Inpatient Hospital 25% Coinsurance after Plan Deductible is met
Emergency Room 25% Coinsurance after Plan Deductible is met
Walk-in Urgent Care $40 Copayment per visit at a Walk-In Center $100 Copayment per visit at an Urgent Care Facility (Urgent Care Center)
Ambulance 25% Coinsurance
Outpatient Surgery $400 Copayment per visit at a Surgical Center 25% Coinsurance after Deductible is met at an Outpatient Hospital Facility
Laboratory Service No Cost-Share at Site-of-Service Providers 25% Coinsurance after Deductible is met at an Outpatient Hospital Facility
Outpatient Diagnostic Tests No Cost-Share at Site-of-Service Providers 25% Coinsurance after Deductible is met at an Outpatient Hospital Facility
Outpatient Diagnostic Imaging $75 Copayment per service up to an annual maximum of $375 for MRI, MRA, CAT, CTA, PET and SPECT scans at Site-of-Service Providers 25% Coinsurance after Deductible is met at an Outpatient Hospital Facility
Outpatient Mental Health $40 Copayment per visit
Durable Medical Equipment 50% Coinsurance after Plan Deductible is met
Individual Deductible $5,500
Family Deductible $11,000
Out-of-Pocket Maximum $8,700
Family Out-of-Pocket Maximum $17,400
Anthem
Anthem Silver Pathway CT PPO w/HSA
2022
Benefit Year: Contract
Referrals: Required
Preventative Adult Exams: No Cost
PCP Office Visit: $40 Copayment per visit after Plan Deductible is met
Specialist Office Visit $80 Copayment per visit after Plan Deductible is met
Prescription Drugs Deductible then, Tier 1: $5 Copayment; Tier 2: $50 Copayment; Tier 3: 30%; Tier 4: 30%
Mail Order Drug Deductible then, Tier 1: $13 Copayment; Tier 2: $150 Copayment; Tier 3: 30%; Tier 4: 30%
Inpatient Hospital 20% Coinsurance after Plan Deductible is met
Emergency Room 20% Coinsurance after Plan Deductible is met
Walk-in Urgent Care Walk-In: $40 Copayment per visit after Plan Deductible Urgent Care: $100 Copayment per visit after Plan Deductible
Ambulance 20% Coinsurance after Plan Deductible is met
Outpatient Surgery 20% Coinsurance after Plan Deductible is met
Laboratory Service No Cost-Share after Deductible is met at an Independent Lab 20% Coinsurance after Deductible is met at an Outpatient Hospital Facility
Outpatient Diagnostic Tests 20% Coinsurance after Deductible is met
Outpatient Diagnostic Imaging 20% Coinsurance after Deductible is met
Outpatient Mental Health No cost after Deductible is met
Durable Medical Equipment 50% Coinsurance after Deductible is met
Individual Deductible $3,000
Family Deductible $6,000
Out-of-Pocket Maximum $7,000
Family Out-of-Pocket Maximum $14,000
Anthem
Anthem Bronze Pathway CT PPO
2022
Benefit Year: Contract
Referrals: Required
Preventative Adult Exams: No Cost
PCP Office Visit: No Cost after Plan Deductible is met
Specialist Office Visit No Cost after Plan Deductible is met
Prescription Drugs No Cost after Plan Deductible is met
Mail Order Drug No Cost after Plan Deductible is met
Inpatient Hospital No Cost after Plan Deductible is met
Emergency Room No Cost after Plan Deductible is met
Walk-in Urgent Care No Cost after Plan Deductible is met
Ambulance No Cost after Plan Deductible is met
Outpatient Surgery No Cost after Plan Deductible is met
Laboratory Service No Cost-Share after Plan Deductible is met at an Independent Lab No Cost after Plan Deductible is met at an Outpatient Hospital Facility
Outpatient Diagnostic Tests No Cost after Plan Deductible is met
Outpatient Diagnostic Imaging No Cost after Plan Deductible is met
Outpatient Mental Health No Cost after Plan Deductible is met
Durable Medical Equipment No Cost after Plan Deductible is met
Individual Deductible $8,700
Family Deductible $17,400
Out-of-Pocket Maximum $8,700
Family Out-of-Pocket Maximum $17,400
Anthem
Anthem Bronze Pathway CT PPO w/HSA
2022
Benefit Year: Contract
Referrals: Required
Preventative Adult Exams: No Cost
PCP Office Visit: No Cost after Plan Deductible is met
Specialist Office Visit No Cost after Plan Deductible is met
Prescription Drugs Deductible then, Tier 1: $25 Copayment; Tier 2: $75 Copayment; Tier 3: 40%; Tier 4: 40%
Mail Order Drug Deductible then, Tier 1: $63 Copayment; Tier 2: $225 Copayment; Tier 3: 40%; Tier 4: 40%
Inpatient Hospital No Cost after Plan Deductible is met
Emergency Room No Cost after Plan Deductible is met
Walk-in Urgent Care No Cost after Plan Deductible is met
Ambulance No Cost after Plan Deductible is met
Outpatient Surgery No Cost after Plan Deductible is met
Laboratory Service No Cost-Share after Plan Deductible is met at an Independent Lab No Cost after Plan Deductible is met at an Outpatient Hospital Facility
Outpatient Diagnostic Tests No Cost after Plan Deductible is met
Outpatient Diagnostic Imaging No Cost after Plan Deductible is met
Outpatient Mental Health No Cost after Plan Deductible is met
Durable Medical Equipment No Cost after Plan Deductible is met
Individual Deductible $6,900
Family Deductible $13,800
Out-of-Pocket Maximum $7,000
Family Out-of-Pocket Maximum $14,000
ConnectiCare
ConnectiCare Passage Gold POS PCP
2022
Benefit Year: Contract
Referrals: Required
Preventative Adult Exams: No Cost
PCP Office Visit: $30 Copayment per visit (Deductible waived)
Specialist Office Visit $50 Copayment per visit (Deductible waived)
Prescription Drugs Tier 1: $10 Copayment; Tier 2: $50 Copayment; Tier 3: 50% up to $250; Tier 4: 50% up to $500
Mail Order Drug Tier 1: $20 Copayment; Tier 2: $100 Copayment; Tier 3: 50% up to $500; Tier 4: N/A
Inpatient Hospital 20% Coinsurance after Plan Deductible is met
Emergency Room 20% Coinsurance after Plan Deductible is met
Walk-in Urgent Care $100 Copayment per visit
Ambulance 20% Coinsurance after Plan Deductible is met
Outpatient Surgery $500 at ambulatory facility; 20% coinsurance after deductible is met at hospital facility
Laboratory Service Laboratory: $10 copayment
Outpatient Diagnostic Tests $50 copayment at freestanding facility; 20% coinsurance after deductible is met at hospital facility
Outpatient Diagnostic Imaging $75 copayment per service up to five copayments per year at a freestanding facility, then copayment waived; 20% conisurance per service after INET plan deductible is met at a hospital facility
Outpatient Mental Health $50 Copayment per visit
Durable Medical Equipment 50% Coinsurance
Individual Deductible $3,000
Family Deductible $6,000
Out-of-Pocket Maximum $6,800
Family Out-of-Pocket Maximum $13,600
ConnectiCare
ConnectiCare Choice Silver POS HSA
2022
Benefit Year: Contract
Referrals: Required
Preventative Adult Exams: No Cost
PCP Office Visit: 25% Coinsurance after Plan Deductible is met
Specialist Office Visit 25% Coinsurance after Plan Deductible is met
Prescription Drugs Deductible then, Tier 1: $10 Copayment; Tier 2: $60 Copayment; Tier 3: 50% up to $300; Tier 4: 50% up to $500
Mail Order Drug Deductible then, Tier 1: $20 Copayment; Tier 2: $120 Copayment; Tier 3: 50% up to $600; Tier 4: N/A
Inpatient Hospital 25% Coinsurance after Plan Deductible is met
Emergency Room 25% Coinsurance after Plan Deductible is met
Walk-in Urgent Care 25% Coinsurance after Plan Deductible is met
Ambulance 25% Coinsurance after Plan Deductible is met
Outpatient Surgery 25% Coinsurance after Plan Deductible is met
Laboratory Service 25% Coinsurance after Plan Deductible is met
Outpatient Diagnostic Tests 25% Coinsurance after Plan Deductible is met
Outpatient Diagnostic Imaging 25% Coinsurance after Plan Deductible is met
Outpatient Mental Health 25% Coinsurance after Plan Deductible is met
Durable Medical Equipment 25% Coinsurance after Plan Deductible is met
Individual Deductible $3,500
Family Deductible $7,000
Out-of-Pocket Maximum $6,900
Family Out-of-Pocket Maximum $13,800
ConnectiCare
ConnectiCare Choice Silver A POS
2022
Benefit Year: Contract
Referrals: Required
Preventative Adult Exams: No Cost
PCP Office Visit: $45 Copayment per visit
Specialist Office Visit $60 Copayment per visit
Prescription Drugs Tier 1: $10 copayment; Tier 2: $60 copayment; Tier 3: 50% coinsurance up to $300; Tier 4: 50% coinsurance up to $500
Mail Order Drug Tier 1: $20 copayment; Tier 2: $120 copayment; Tier 3: 50% coinsurance up to $600; Tier 4: N/A
Inpatient Hospital 35% Coinsurance after Plan Deductible is met
Emergency Room 35% Coinsurance after Plan Deductible is met
Walk-in Urgent Care $100 Copayment per visit
Ambulance 35% Coinsurance after Plan Deductible is met
Outpatient Surgery 35% Coinsurance after Plan Deductible is met
Laboratory Service $10 Copayment per service
Outpatient Diagnostic Tests 35% Coinsurance after Plan Deductible is met
Outpatient Diagnostic Imaging 35% Coinsurance after Plan Deductible is met
Outpatient Mental Health $60 Copayment per visit
Durable Medical Equipment 50% Coinsurance after Plan Deductible is met
Individual Deductible $4,800
Family Deductible $9,600
Out-of-Pocket Maximum $8,500
Family Out-of-Pocket Maximum $17,000
ConnectiCare
ConnectiCare Choice Silver B POS
2022
Benefit Year: Contract
Referrals: Required
Preventative Adult Exams: No Cost
PCP Office Visit: $30 Copayment per visit
Specialist Office Visit $75 Copayment per visit
Prescription Drugs Tier 1: $10 copayment; Tier 2: $50 copayment; Tier 3: 50% coinsurance up to $300 after deductible; Tier 4: 50% coins up to $500 after deductible
Mail Order Drug Tier 1: $20 copayment; Tier 2: $100 copayment; Tier 3: 50% coinsurance up to $600 after deductible; Tier 4: N/A
Inpatient Hospital 40% coinsurance after Plan Deductible is met
Emergency Room 40% Coinsurance after Plan Deductible is met
Walk-in Urgent Care $100 Copayment per visit
Ambulance 40% Coinsurance after Plan Deductible is met
Outpatient Surgery 40% Coinsurance after Plan Deductible is met
Laboratory Service 40% Coinsurance after Plan Deductible is met
Outpatient Diagnostic Tests 40% Coinsurance after Plan Deductible is met
Outpatient Diagnostic Imaging 40% Coinsurance after Plan Deductible is met
Outpatient Mental Health $30 Copayment per visit
Durable Medical Equipment 40% Coinsurance after Plan Deductible is met
Individual Deductible $3,000
Family Deductible $6,000
Out-of-Pocket Maximum $8,650
Family Out-of-Pocket Maximum $17,300
ConnectiCare
ConnectiCare Choice Bronze POS
2022
Benefit Year: Contract
Referrals: Required
Preventative Adult Exams: No Cost
PCP Office Visit: $40 Copayment per visit
Specialist Office Visit $60 Copayment per visit
Prescription Drugs Deductible, then Tier 1: $10 copayment; Tier 2: $60 copayment; Tier 3: 50% coinsurance up to $300; Tier 4: 50% coinsurance up to $500
Mail Order Drug Deductible, then Tier 1: $20 copayment; Tier 2: $120 copayment; Tier 3: 50% coinsurance up to $600; Tier 4: N/A
Inpatient Hospital 40% coinsurance after Plan Deductible is met
Emergency Room 40% Coinsurance after Plan Deductible is met
Walk-in Urgent Care $100 Copayment per visit after Plan Deductible is met
Ambulance 40% Coinsurance after Plan Deductible is met
Outpatient Surgery Deductible, then ambulatory facility: $500; Outpatient hospital: 40% coinsurance
Laboratory Service $10 Copayment after Plan Deductible is met
Outpatient Diagnostic Tests Deductible, then $50 copayment freestanding facility; 40% coinsurance at a hospital facility
Outpatient Diagnostic Imaging Deductible, then $75 copayment per service up to five copayments per year at a freestanding facility, then copayment waived; 40% coinsurance at a hospital facility
Outpatient Mental Health $60 Copayment per visit
Durable Medical Equipment 40% Coinsurance after Plan Deductible is met
Individual Deductible $7,000
Family Deductible $14,000
Out-of-Pocket Maximum $8,300
Family Out-of-Pocket Maximum $16,600
ConnectiCare
ConnectiCare Choice Bronze POS HSA
2022
Benefit Year: Contract
Referrals: Required
Preventative Adult Exams: No Cost
PCP Office Visit: 50% Coinsurance after Plan Deductible is met
Specialist Office Visit 50% Coinsurance after Plan Deductible is met
Prescription Drugs Deductible, then Tier 1: $10 copayment; Tier 2: $60 copayment; Tier 3: 50% coinsurance up to $300; Tier 4: 50% coinsurance up to $500
Mail Order Drug Deductible, then Tier 1: $20 copayment; Tier 2: $120 copayment; Tier 3: 50% coinsurance up to $600; Tier 4: N/A
Inpatient Hospital 50% Coinsurance after Plan Deductible is met
Emergency Room 50% Coinsurance after Plan Deductible is met
Walk-in Urgent Care 50% Coinsurance after Plan Deductible is met
Ambulance 50% Coinsurance after Plan Deductible is met
Outpatient Surgery 50% Coinsurance after Plan Deductible is met
Laboratory Service 50% Coinsurance after Plan Deductible is met
Outpatient Diagnostic Tests 50% Coinsurance after Plan Deductible is met
Outpatient Diagnostic Imaging 50% Coinsurance after Plan Deductible is met
Outpatient Mental Health 50% Coinsurance after Plan Deductible is met
Durable Medical Equipment 50% Coinsurance after Plan Deductible is met
Individual Deductible $5,750
Family Deductible $11,500
Out-of-Pocket Maximum $7,050
Family Out-of-Pocket Maximum $14,100
Anthem
Gold Pathway CT PPO
2021
Benefit Year: Contract
Referrals: Not Required
Preventative Adult Exams: No Cost
PCP Office Visit: $25 Copayment per visit
Specialist Office Visit $50 Copayment per visit
Prescription Drugs Tier 1: $5 Copay; Tier 2: $50 Copay; Tier 3: 30% up to $500; Tier 4: 30% up to $1000
Mail Order Drug Tier 1: $13 Copay; Tier 2: $150 Copay; Tier 3: 30% up to $1500; Tier 4: 30% up to $1000
Inpatient Hospital No Cost after Plan Deductible is met
Emergency Room 20% Coinsurance after Plan Deductible is met
Walk-in Urgent Care Walk-In: $25 Copayment per visitUrgent Care: $100 Copayment per visit
Ambulance No Cost
Outpatient Surgery Freestanding Facility: $300; Hospital: No Cost after Deductible is met
Laboratory Service No Cost-Share at Site-of-Service Providers No Cost-Share after Deductible is met at an Outpatient Hospital Facility
Outpatient Diagnostic Tests Freestanding Facility: $0; Hospital: No Cost after Deductible is met
Outpatient Diagnostic Imaging Freestanding Facility: $75; Hospital: No Cost after Deductible is met
Outpatient Mental Health $25 Copayment per visit
Durable Medical Equipment 50% Coinsurance after Plan Deductible is met
Individual Deductible $2,500.00
Family Deductible $5,000.00
Out-of-Pocket Maximum $4,500.00
Family Out-of-Pocket Maximum $9,000.00
Anthem
Silver Pathway CT PPO
2021
Benefit Year: Contract
Referrals: Not Required
Preventative Adult Exams: No Cost
PCP Office Visit: $40 Copayment per visit
Specialist Office Visit $80 after Plan Deductible is met
Prescription Drugs Tier 1: $5 Copay; Tier 2: $50 Copay; Tier 3: 30% up to $500; Tier 4: 30% up to $1000
Mail Order Drug Tier 1: $13 Copay; Tier 2: $150 Copay; Tier 3: 30% up to $1500; Tier 4: 30% up to $1000
Inpatient Hospital 25% Coinsurance after Plan Deductible is met
Emergency Room 25% Coinsurance after Plan Deductible is met
Walk-in Urgent Care Walk-In: $40 Copayment per visitUrgent Care: $100 Copayment per visit
Ambulance 25% Coinsurance
Outpatient Surgery Freestanding Facility: $400 Copayment per visitHospital : 25% coinsurance after Deductible
Laboratory Service No Cost-Share at Site-of-Service Providers 25% Coinsurance after Deductible is met at an Outpatient Hospital Facility
Outpatient Diagnostic Tests Freestanding Facility: $0; Hospital: 25% coinsurance after Deductible
Outpatient Diagnostic Imaging Freestanding Facility: $75 Copayment per visit Hospital : 25% after Deductible is met
Outpatient Mental Health $40 Copayment per visit
Durable Medical Equipment 50% Coinsurance after Plan Deductible is met
Individual Deductible $5,500.00
Family Deductible $11,000.00
Out-of-Pocket Maximum $8,500.00
Family Out-of-Pocket Maximum $17,000.00
Anthem
Silver Pathway CT PPO w/HSA
2021
Benefit Year: Contract
Referrals: Not Required
Preventative Adult Exams: No Cost
PCP Office Visit: $40 Copayment per visit after Plan Deductible is met
Specialist Office Visit $80 Copayment per visit after Plan Deductible is met
Prescription Drugs Deductible then, Tier 1: $5 Copay; Tier 2: $50 Copay; Tier 3: 30%; Tier 4: 30%
Mail Order Drug Deductible then, Tier 1: $13 Copay; Tier 2: $150 Copay; Tier 3: 30%; Tier 4: 30%
Inpatient Hospital 20% Coinsurance after Plan Deductible is met
Emergency Room 20% Coinsurance after Plan Deductible is met
Walk-in Urgent Care Walk-In: $40 Copayment per visit after Plan Deductible Urgent Care: $100 Copayment per visit after Plan Deductible
Ambulance 20% Coinsurance after Plan Deductible is met
Outpatient Surgery 20% Coinsurance after Deductible is met
Laboratory Service No Cost-Share after Deductible is met at an Independent Lab 20% Coinsurance after Deductible is met at an Outpatient Hospital Facility
Outpatient Diagnostic Tests Deductible then, Freestanding Facility: No Cost Hospital : 20% coinsurance ; X-ray: 20% coinsurance
Outpatient Diagnostic Imaging 20% Coinsurance after Deductible is met
Outpatient Mental Health No Cost after Deductible is met
Durable Medical Equipment 50% Coinsurance after Deductible is met
Individual Deductible $3,000.00
Family Deductible $6,000.00
Out-of-Pocket Maximum $7,000.00
Family Out-of-Pocket Maximum $14,000.00
Anthem
Bronze Pathway CT PPO
2021
Benefit Year: Contract
Referrals: Not Required
Preventative Adult Exams: No Cost
PCP Office Visit: No Cost after Plan Deductible is met
Specialist Office Visit No Cost after Plan Deductible is met
Prescription Drugs No Cost after Plan Deductible is met
Mail Order Drug No Cost after Plan Deductible is met
Inpatient Hospital No Cost after Plan Deductible is met
Emergency Room No Cost after Plan Deductible is met
Walk-in Urgent Care No Cost after Plan Deductible is met
Ambulance No Cost after Plan Deductible is met
Outpatient Surgery No Cost after Plan Deductible is met
Laboratory Service No Cost-Share after Plan Deductible is met at an Independent Lab No Cost after Plan Deductible is met at an Outpatient Hospital Facility
Outpatient Diagnostic Tests No Cost after Plan Deductible is met
Outpatient Diagnostic Imaging No Cost after Plan Deductible is met
Outpatient Mental Health No Cost after Plan Deductible is met
Durable Medical Equipment No Cost after Plan Deductible is met
Individual Deductible $8,500.00
Family Deductible $17,000.00
Out-of-Pocket Maximum $8,500.00
Family Out-of-Pocket Maximum $17,000.00
Anthem
Bronze Pathway CT PPO w/HSA
2021
Benefit Year: Contract
Referrals: Not Required
Preventative Adult Exams: No Cost
PCP Office Visit: No Cost after Plan Deductible is met
Specialist Office Visit No Cost after Plan Deductible is met
Prescription Drugs Deductible then, Tier 1: $25 Copay; Tier 2: $75 Copay; Tier 3: 40%; Tier 4: 40%
Mail Order Drug Deductible then, Tier 1: $63 Copay; Tier 2: $225 Copay; Tier 3: 40%; Tier 4: 40%
Inpatient Hospital No Cost after Plan Deductible is met
Emergency Room No Cost after Plan Deductible is met
Walk-in Urgent Care No Cost after Plan Deductible is met
Ambulance No Cost after Plan Deductible is met
Outpatient Surgery No Cost after Plan Deductible is met
Laboratory Service No Cost-Share after Plan Deductible is met at an Independent Lab No Cost after Plan Deductible is met at an Outpatient Hospital Facility
Outpatient Diagnostic Tests No Cost after Plan Deductible is met
Outpatient Diagnostic Imaging No Cost after Plan Deductible is met
Outpatient Mental Health No Cost after Plan Deductible is met
Durable Medical Equipment No Cost after Plan Deductible is met
Individual Deductible $6,900.00
Family Deductible $13,800.00
Out-of-Pocket Maximum $7,000.00
Family Out-of-Pocket Maximum $14,000.00
ConnectiCare
ConnectiCare Passage Gold POS PCP
2021
Benefit Year: Contract
Referrals: Required
Preventative Adult Exams: No Cost
PCP Office Visit: $30 Copayment per visit (Deductible waived)
Specialist Office Visit $50 Copayment per visit (Deductible waived)
Prescription Drugs Tier 1: $10 Copay; Tier 2: $50 Copay; Tier 3: 50% up to $250; Tier 4: 50% up to $500
Mail Order Drug Tier 1: $20 Copay; Tier 2: $100 Copay; Tier 3: 50% up to $500; Tier 4: N/A
Inpatient Hospital 20% Coinsurance after Plan Deductible is met
Emergency Room 20% Coinsurance after Plan Deductible is met
Walk-in Urgent Care $100 Copayment per visit
Ambulance 20% Coinsurance after Plan Deductible is met
Outpatient Surgery 20% Coinsurance after Plan Deductible is met
Laboratory Service $10 Copayment per visit
Outpatient Diagnostic Tests Freestanding Facility : $50, Hospital : 20% after Plan Deductible
Outpatient Diagnostic Imaging Freestanding Facility : $75; Hospital : 20% after Plan Deductible
Outpatient Mental Health $50 Copayment per visit
Durable Medical Equipment 50% Coinsurance after Plan Deductible is met
Individual Deductible $3,000.00
Family Deductible $6,000.00
Out-of-Pocket Maximum $6,800.00
Family Out-of-Pocket Maximum $13,600.00
ConnectiCare
ConnectiCare Choice Silver POS
2021
Benefit Year: Contract
Referrals: Not Required
Preventative Adult Exams: No Cost
PCP Office Visit: $40 Copayment per visit (Deductible waived)
Specialist Office Visit $60 Copayment per visit (Deductible waived)
Prescription Drugs Tier 1: $10 Copay; Tier 2: $60 Copay; Tier 3: 50% up to $300; Tier 4: 50% up to $500
Mail Order Drug Tier 1: $20 Copay; Tier 2: $120 Copay; Tier 3: 50% up to $600; Tier 4: N/A
Inpatient Hospital 35% Coinsurance after Plan Deductible is met
Emergency Room 35% Coinsurance after Plan Deductible is met
Walk-in Urgent Care $100 Copayment per visit
Ambulance 35% Coinsurance after Plan Deductible is met
Outpatient Surgery 35% Coinsurance after Plan Deductible is met
Laboratory Service 35% Coinsurance after Plan Deductible is met
Outpatient Diagnostic Tests 35% Coinsurance after Plan Deductible is met
Outpatient Diagnostic Imaging 35% Coinsurance after Plan Deductible is met
Outpatient Mental Health $60 Copayment per visit (Deductible waived)
Durable Medical Equipment 50% Coinsurance after Plan Deductible is met
Individual Deductible $4,750.00
Family Deductible $9,500.00
Out-of-Pocket Maximum $8,400.00
Family Out-of-Pocket Maximum $16,800.00
ConnectiCare
ConnectiCare Choice Silver POS w/HSA
2021
Benefit Year: Contract
Referrals: Not Required
Preventative Adult Exams: No Cost
PCP Office Visit: 25% Coinsurance after Plan Deductible is met
Specialist Office Visit 25% Coinsurance after Plan Deductible is met
Prescription Drugs Deductible then, Tier 1: $10 Copay; Tier 2: $60 Copay; Tier 3: 50% up to $300; Tier 4: 50% up to $500
Mail Order Drug Deductible then, Tier 1: $20 Copay; Tier 2: $120 Copay; Tier 3: 50% up to $600; Tier 4: N/A
Inpatient Hospital 25% Coinsurance after Plan Deductible is met
Emergency Room 25% Coinsurance after Plan Deductible is met
Walk-in Urgent Care 25% Coinsurance after Plan Deductible is met
Ambulance 25% Coinsurance after Plan Deductible is met
Outpatient Surgery 25% Coinsurance after Plan Deductible is met
Laboratory Service 25% Coinsurance after Plan Deductible is met
Outpatient Diagnostic Tests 25% Coinsurance after Plan Deductible is met
Outpatient Diagnostic Imaging 25% Coinsurance after Plan Deductible is met
Outpatient Mental Health 25% Coinsurance after Plan Deductible is met
Durable Medical Equipment 25% Coinsurance after Deductible is met
Individual Deductible $3,500.00
Family Deductible $7,000.00
Out-of-Pocket Maximum $6,900.00
Family Out-of-Pocket Maximum $13,800.00
ConnectiCare
ConnectiCare Choice Bronze POS
2021
Benefit Year: Contract
Referrals: Not Required
Preventative Adult Exams: No Cost
PCP Office Visit: $40 Copayment per visit (Deductible waived)
Specialist Office Visit $60 after Plan Deductible is met
Prescription Drugs Tier 1: $10 Copay; Deductible then, Tier 2: $60 Copay; Tier 3: 50% up to $300; Tier 4: 50% up to $500
Mail Order Drug Deductible then, Tier 1: $20; Tier 2: $120; Tier 3: 50% up to $600; Tier 4: N/A
Inpatient Hospital 40% Coinsurance after Plan Deductible is met
Emergency Room 40% Coinsurance after Plan Deductible is met
Walk-in Urgent Care $100 Copayment per visit after Plan Deductible is met
Ambulance 40% Coinsurance after Deductible is met
Outpatient Surgery Deductible then, Freestanding Facility : $500; Hospital : 40% Coinsurance
Laboratory Service $10 Copayment per visit after Plan Deductible is met
Outpatient Diagnostic Tests Deductible then, Freestanding Facility: $50 Hospital : 40% Coinsurance
Outpatient Diagnostic Imaging Deductible then, Freestanding Facility : $75 up to $375 max ; Hospital : 40% coinsurance
Outpatient Mental Health $60 Copayment per visit (Deductible waived)
Durable Medical Equipment 40% Coinsurance after Plan Deductible is met
Individual Deductible $7,000.00
Family Deductible $14,000.00
Out-of-Pocket Maximum $8,300.00
Family Out-of-Pocket Maximum $16,600.00
ConnectiCare
ConnectiCare Choice Bronze POS w/HSA
2021
Benefit Year: Contract
Referrals: Not Required
Preventative Adult Exams: No Cost
PCP Office Visit: 50% Coinsurance after Plan Deductible is met
Specialist Office Visit 50% Coinsurance after Plan Deductible is met
Prescription Drugs Deductible then, Tier 1: $10 Copay; Tier 2: $60 Copay; Tier 3: 50% up to $300; Tier 4: 50% up to $500
Mail Order Drug Deductible then, Tier 1: $20 Copay; Tier 2: $120 Copay; Tier 3: 50% up to $600; Tier 4: N/A
Inpatient Hospital 50% Coinsurance after Plan Deductible is met
Emergency Room 50% Coinsurance after Plan Deductible is met
Walk-in Urgent Care 50% Coinsurance after Plan Deductible is met
Ambulance 50% Coinsurance after Plan Deductible is met
Outpatient Surgery 50% Coinsurance after Plan Deductible is met
Laboratory Service 50% Coinsurance after Plan Deductible is met
Outpatient Diagnostic Tests 50% Coinsurance after Plan Deductible is met
Outpatient Diagnostic Imaging 50% Coinsurance after Plan Deductible is met
Outpatient Mental Health 50% Coinsurance after Plan Deductible is met
Durable Medical Equipment 50% Coinsurance after Plan Deductible is met
Individual Deductible $5,750.00
Family Deductible $11,500.00
Out-of-Pocket Maximum $7,000.00
Family Out-of-Pocket Maximum $14,000.00
ConnectiCare Plans

Review your plan documents, prescription drug formularies and provider directory online for the most up to date information at Connecticare.com

All Access Health CT Small Business Plans have embedded deductibles

All discount programs for small groups apply for on-and off-exchange members

Anthem Plans

Review your plan documents, prescription drug formularies and provider directory online for the most up to date information at anthem.com

Deductible is waved for drugs on the preventive Rx drug list

All Access Health CT Small Business Plans have embedded deductibles

Outside of Connecticut coverage – PPO plans have full BlueCard access using the BlueCard PPO network. HMO plans have limited BlueCard access for urgent and emergency coverage only using the Participating Provider Network

All discount programs for small groups apply for on-and off-exchange members

Curious about individual plan options for you or your employees?

While we focus on small businesses with 50 employees or less, you can enroll in the individual marketplace as sole proprietors.

Understanding your options should be simple.

It is important to us that you are confident about your options and the help we can provide. We have answered the most common questions below and can offer 1-on-1 help, as well.

“Can employees who live outside of Connecticut be covered?”

Yes! Employees who live outside of Connecticut can enroll in an Access Health CT Small Business group health plan offered by their employer. Non-resident employees should check the provider directories to make sure they include doctors, hospitals, and other healthcare providers in their home state, otherwise they may have to seek services within Connecticut. They should also review each plan’s payment policies regarding out-of-network care.

Mark A. Spellman Jr. Mark A. Spellman Jr. | Contact me

“Which health insurance companies offer group health insurance plans through Access Health CT?”

Access Health CT Small Business offers a choice of plans through Anthem Blue Cross and Blue Shield and ConnectiCare. Anthem Blue Cross and Blue Shield handles both medical and dental coverage, while ConnectiCare only offers medical coverage.

Jerome ChisolmJerome Chisolm | Contact me

Interested in learning more about health insurance for small businesses?

As insurance industry and government requirements change, our articles, videos and podcast series can help explain what that means for you and the coverage you offer.

Access Health CT Small Business is Connecticut’s official marketplace for group health insurance, here to provide you with answers as well as coverage for your small business employees.