2016 Health Plans

All Vermont Health Connect plans cover the same set of essential health benefits. The difference in the plans is how you pay for those benefits. With a platinum plan, you pay the highest premium each month but you pay less when you actually use services. With a bronze plan, you pay less each month but you pay more for the services that you use. Before selecting a health plan, be sure to compare the monthly premiums and out-of-pocket costs for prescription drugs and medical services. If you need help, trained and certified Assisters are available throughout the state

Basic Resources

  • Plan Comparison Tool - see if you qualify for financial help to lower your monthly premium and out-of-pocket costs, then compare estimates of the total cost you might pay with each available plan
  • 2016 Plan Comparison Brochures - an overview of plan details side-by-side by metal level, as well as catastrophic and dental plans

Find More Below

  • Medicaid and Dr. Dynasaur - free or low-cost health coverage for Vermonters who qualify
  • Cost-Sharing Reduction (CSR) Silver Plans - If you qualify for cost-sharing reductions,  view enhanced Silver plans here:  Silver 94Silver 87Silver 77, or Silver 73 (if you are unsure which Silver plan you might qualify for, visit the Subsidy Estimator).
  • Catastrophic Plans - please note potential for significant out-of-pocket costs and that eligibility requirement applies
  • Dental Plans - details on pediatric dental plans that are included in health plans, as well as stand-alone dental plan details and premiums (New Tier for 2015: Tier VI covers multiple children for the price of two children)

Detailed Resources

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:

 Summaries of Benefits and Coverage

Standard Plans BCBSVT MVP
Platinum BCBSVT MVP
Gold BCBSVT MVP

Silver (see below for CSR)

BCBSVT MVP
Bronze BCBSVT MVP

Silver HDHP 

(see CSR, can pair with HSA)

BCBSVT MVP

Bronze HDHP (can pair with HSA)

BCBSVT MVP
Blue Rewards & Vitality Plus BCBSVT MVP
Gold Blue Rewards Vitality Plus
Gold HDHP (new in 2016) 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
Silver 94 (94% AV) BCBSVT MVP
Silver 87 (87% AV) BCBSVT MVP
Silver 77 (77% AV) BCBSVT MVP
Silver 73 (73% AV) BCBSVT MVP
Silver HDHP 94 (94% AV) BCBSVT MVP
Silver HDHP 87 (87% AV) BCBSVT MVP
Silver HDHP 77 (77% AV) BCBSVT MVP
Silver HDHP 73 (73% AV) BCBSVT MVP
Cost-Sharing Reduction (CSR)
Silver Plans
Blue Rewards & Vitality Plus
BCBSVT MVP
Silver 94 (94% AV) Blue Rewards Vitality Plus
Silver 87 (87% AV) Blue Rewards Vitality Plus
Silver 77 (77% AV) Blue Rewards Vitality Plus
Silver 73 (73% AV) Blue Rewards Vitality Plus
Other
Catastrophic BCBSVT MVP
Dental Plans
Northeast Delta Dental (NEDD) High Option

 

Preventive Care Lists

Preventive care is free with Vermont Health Connect plans.  See lists of covered services from each insurance carrier:

 

Provider Networks and Covered Prescriptions

To find out if a doctor or other provider is in a health plan's network, you can visit the insurance carriers' websites to view: