Qualified Health Plan FAQ

Can I keep seeing the same doctor and using the same prescriptions?

This will depend on your insurance carrier’s provider network and prescription drug coverages. Doctors that are “in network” cost less to see than doctors who are “out of network”, although both are available to use.

You can find out which doctors are in network or out of network by visiting the carriers' websites and using their provider directories (BCBSVT - MVP). You can also visit the carriers' websites to see which prescriptions are covered (BCBSVT - MVP).

If you have any questions about whether a provider is in-network or out-of-network, or the potential cost of using out of network providers, you should contact your health insurance carrier.

 

If I don't want to apply for financial help, are there other ways I can buy health insurance on my own?

Yes. If you do not want to apply for financial help with your health insurance costs, you can apply for coverage directly through the insurance carriers. Vermonters who choose to direct enroll cannot receive financial help to reduce the cost of monthly premiums and/or out-of-pocket costs. If you enroll directly through the insurance carrier, you will not receive a tax credit. Read "8 Things to Know about Individual Direct Enrollment."

If you’re already enrolled in a health plan through Vermont Health Connect, you can switch to direct enrollment at any time. If you aren’t currently enrolled, you will need to wait for an enrollment period to sign up:

Open Enrollment: This is the time each year when any Vermonter can enroll in a QHP through Vermont Health Connect, or directly through an insurance carrier. Open Enrollment typically starts November 1 and lasts for about six weeks.

Special Enrollment Period: A Special Enrollment Period allows Vermonters to enroll in coverage outside of Open Enrollment if they’ve had a qualifying event. Qualifying events include changes to your income and household size. For a complete list of qualifying events, click here.

 

If I served in the military, am I eligible for low cost health insurance?

You may be eligible for health insurance through the Department of Veteran's Affairs. Learn more about Vermont's health coverage resources for those who have served in the military. You may also choose to purchase a qualified health plan (QHP) through Vermont Health Connect and could also be eligible for income-based Medicaid.