Health Insurance Details

Here are the details offered by the Connector about health insurance plans that the state hopes residents who earn $29,400 dollars a year, or more, will buy.

This is the coverage the Connector calls "Commonwealth Choice."

click here for a spreadsheet that includes charges for the most expensive and most comprehensive coverage.

Here's a snapshot of what the "Premier" plans include:

no deductibles
$10 office visit co-payments
no charge for outpatient surgery
no charge for inpatient admission
prescription drug coverage with co-pays that range from $10 to $45 dollars

click here for a spread sheet on the moderately priced options. Here's a summary of what's included:

some plans will have limited choice of doctors or hospitals
5 of 14 plans have annual deductibles ($500-$1000)
- office visits are covered pre-deductible
- no cost for surgery after deductible is met
9 of 14 plans charge $250 dollars or $500 a day for hospital admissions - with an annual maximum fo $2,000
office visit co-pays from $15 to $40
covers most prescription drugsclick here for a spread sheet on the cheapest insurance plans.
Here's a snapshot of what "basic" coverage includes:

some plans limit the choice of doctors and hospitals
some plans have no deductible, others have deductibles ranging from $1,000 to $2,000.
- all cover preventive care pre-deductible
- 3 of 4 plans with a $2,000 deductible cover all office visits pre-deductible
office visits co-pays from $25-$35 (for primary care) and $25-$50 (for specialists). One plan charges 20% co-insurance (meaning you pay 20% of the cost of the visit)
Hospital Admissions - either no-charge after deductible, or 35% of the cost of the stay for the plans with no deductible.
Out patient surgery costs range from: no charge after deductible to$150-$250 after deductible to 35% co-insurance
For prescriptions - most plans cover prior to deductible, but 2 plans have a separate prescription deductible (from $100 for individual to $500 for a family)

click here for the options available to Young Adults (19-26 year olds who aren't offered insurance through their job)

The Connector Board gave these plans their "seal of approval" today. They will be available in May.