2018 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
  • 2018 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 94, Silver 87, Silver 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

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:

  • Platinum & Gold Plans - plans with higher monthly premiums and lower out-of-pocket costs
  • Silver 70 Plans - if you qualify for cost-sharing reductions, also available as enhanced Silver 94, Silver 87, Silver 77, or Silver 73
  • Bronze Plans - plans with lower monthly premiums and potentially significant out-of-pocket costs

 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 CDHP (HDHP)

(see CSR, can pair with HSA)

BCBSVT MVP

Bronze CDHP (HDHP)

(can pair with HSA)

BCBSVT MVP

Bronze Without Rx MOOP

(New in 2018)

BCBSVT MVP
Blue Rewards & VT Plus BCBSVT MVP
Gold Blue Rewards VT Plus
Gold CDHP (HDHP) Blue Rewards VT Plus
Silver (see below for CSR) Blue Rewards VT Plus

Bronze Without RX MOOP

(New in 2018)

Blue Rewards VT Plus

Bronze CDHP (HDHP)

Without RX MOOP

Blue Rewards N/A
Bronze N/A VT Plus
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 & VT Plus
BCBSVT MVP
Silver 94 (94% AV) Blue Rewards VT Plus
Silver 87 (87% AV) Blue Rewards VT Plus
Silver 77 (77% AV) Blue Rewards VT Plus
Silver 73 (73% AV) Blue Rewards VT Plus
Other
Catastrophic BCBSVT MVP
Dental Plans
Northeast Delta Dental (NEDD)

 

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: