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 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 (New Tier for 2015: Tier VI covers multiple children for the price of two children)

Detailed Resources

• Summary of Benefits and Coverage (SBC) - an 8-page description of each health plan, including the enhanced versions of silver plans for Vermonters who qualify 
• 2016 Plan Designs and Rates - an overview of all metal level health plans and premiums (before subsidy) all on one sheet
• Preventive service lists from BCBSVT & MVP - preventive care is free with all of Vermont Health Connect plans
• Provider Networks and Covered Prescriptions - links to detailed information from the insurance carriers

• Medical Loss Ratio (MLR) for health insurance carriers - information reported to CMS can be found at this link by 1) selecting Vermont, 2) typing "MVP" or "Blue Cross" and 3) clicking the gray "MLR" button

 Summaries of Benefits and Coverage

Preventive Care Lists

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

• BCBSVT
• MVP

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:

• Provider directories for:
  • BCBSVT
  • MVP
  • NEDD 
• Covered prescriptions for:
  • BCBSVT
  • MVP  (to see VBID drug coverage, click on Vermont Value Drugs List)