2014 Health Plans

Vermont landscape

timeline icon Subsidy Calculator                        Video FAQ - Tell me about the plans on Vermont Health Connect.

Health plans are offered at four levels: Platinum, Gold, Silver, and Bronze. The levels vary in the amount of monthly premium versus out-of-pocket costs, so you can pick a plan within the level that best meets your particular medical needs and budget. All plans offer the same quality benefits, known as Essential Health Benefits, including preventive care, mental health services, and dental and vision coverage for children. 

On this page:

Also of interest:

 
 

FINANCIAL HELP

Many Vermonters qualify for financial help to make health care more affordable. Some qualify for public plans, including Medicaid and Dr. Dynasaur, from Green Mountain Care. Others qualify for financial help to lower the premiums and out-of-pocket costs of private plans. This includes:
  • Premium Assistance
    • Can reduce monthly premiums;
    • Comes in the form of Advanced Premium Tax Credits and Vermont Premium Reduction;
    • Can be applied to health plans at any metal level, Bronze through Platinum;
    • Offered based on household size and income - find your estimate in our subsidy calculator
  • Cost-Sharing Reductions
    • Can reduce what you pay out-of-pocket when you see a doctor, fill a prescription, or use medical services;
    • Comes in the form of state and federal cost-sharing reductions;
    • Can only be applied to Silver level plans;
    • Offered in four tiers based on household size and income - find your estimate by:
See the CSR FAQ or CSR plan design chart for more details.  

 

PLAN COMPARISON BROCHURES

 

Once you've narrowed down your plan selection to a metal level or two, compare your options side-by-side with our plan comparison brochures:

Printing Tip: For best results, if your printer will allow, print on 11x17 paper and set to "fit" and "flip on short side."

 

If you are not familiar with some of the terms used in the brochures, such as "stacked and aggregate deductibles," please check out our glossary.

:

COST-SHARING REDUCTION COMPANION CARDS

If you are eligible for cost-sharing reductions (see CSR FAQ), the out-of-pocket costs outlined in the Silver Plan Comparison Brochure above do not apply to you.  Instead, you can see the cost-sharing that is relevant to you by clicking on the appropriate tier below (apply now to determine your CSR eligibility or consulting the Eligibility Threshold chart for an estimate).

 

 
 

SUMMARIES OF BENEFITS AND COVERAGE

Summaries of Benefits
and Coverage (SBCs)
Standard Plans BCBSVT MVP
Platinum BCBSVT MVP
Gold BCBSVT MVP
Silver (see below for CSR) BCBSVT MVP
Bronze BCBSVT MVP
Silver HDHP (can pair with HSA) BCBSVT MVP
Bronze HDHP (can pair with HSA) BCBSVT MVP
     
Non-Standard Plans    
Gold  Blue Rewards Vitality Plus
Silver (see below for CSR) Blue Rewards Vitality Plus
Bronze N/A Vitality Plus
Bronze HDHP (can pair with HSA) Blue Rewards CDHP N/A
     
Cost-Sharing Reduction (CSR)
Silver Plans
Learn about CSR
and whether you qualify
 
Standard Silver - Tier I (94% AV) BCBSVT MVP
Standard Silver - Tier II (87% AV) BCBSVT MVP
Standard Silver - Tier III (77% AV) BCBSVT MVP
Standard Silver - Tier IV (73% AV) BCBSVT MVP
     
Standard Silver HDHP - Tier I (94% AV) BCBSVT MVP
Standard Silver HDHP - Tier II (87% AV) BCBSVT MVP
Standard Silver HDHP - Tier III (77% AV) BCBSVT MVP
Standard Silver HDHP - Tier IV (73% AV) BCBSVT MVP
     
Non-Standard Silver - Tier I (94% AV) BCBSVT MVP
Non-Standard Silver - Tier II (87% AV) BCBSVT MVP
Non-Standard Silver - Tier III (77% AV) BCBSVT MVP
Non-Standard Silver - Tier IV (73% AV) BCBSVT MVP
     
Other    
Catastrophic BCBSVT MVP
Dental Plans Northeast Delta Dental (NEDD)
  High Option
  Low Option

PROVIDER NETWORKS AND COVERED PRESCRIPTIONS

 

To find out if a doctor or other provider is in a health plan's network, you can click on the plan's SBC above. You can also visit the insurance carriers' websites to view: