LISTEN LIVE: All Things Considered
LISTEN LIVE: All Things Considered


Health Insurance Details

This article is more than 14 years old.

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.

This program aired on March 7, 2007. The audio for this program is not available.