ConnectorCare in Massachusetts, Do I Qualify?

ConnectorCare plans are Qualified Health Plans, however, they have a year-round enrollment. The plans qualify for the Affordable Care Act (ACA) premium tax credits funded by the federal government but are also subsidized by the state, ensuing in a lower premium and out-of-pocket costs for suitable residents. The plans are available now to members with incomes of 300% of the poverty level, and there are 3 different plan tiers depending on the member’s income level.

ConnectorCare Health insurance plans are presented by 5 of the Massachusetts Connector insurers:

  1. Boston Medical Center HealthNet Plan
  2. Fallon Health,
  3. Health New England,
  4. AllWays / Neighborhood Health Plan
  5. Tufts Health Plan Direct.

Even though enrollment in MassHealth is available now year-round to any applicant who is qualified for coverage. If the enrollee is recently eligible (did not qualify for ConnectorCare in the past) or not before applied, ConnectorCare health insurance is just available outside of open enrollment.

People who have ConnectorCare plans through the Massachusetts Health Connector no longer have to pay copays whether they require outpatient substance abuse medications or treatment, including Suboxone and Methadone.

What Kind of Coverage Do You Get with ConnectorCare?

ConnectorCare Health Insurance Massachusetts plans provide great coverage with essential advantages such as doctor visits, emergency care, prescription drugs, and so on. The plans have no deductibles, low monthly premiums, and low co-pays. There are various types of ConnectorCare plans, which are totally based on your current income. All plans opened for each type of plan will have similar advantages as well as copayments for covered services. You can see the copayments for the various services on the next page chart.

ConnectorCare plans are provided by a few of the most important insurers in Massachusetts. Each insurer’s plan may have various doctors or hospitals in its provider networks. If the providers you want and the prescriptions you need are covered in the plan’s network, use the online tools to see before you enroll.  Read more!

Who Can Qualify for a ConnectorCare Plan?

For ConnectorCare Health Insurance Massachusetts plans, people with household incomes that are up to 300 percent of the Federal Poverty Level or less can qualify. You will not qualify for a ConnectorCare plan if your income is more than 300 percent of the Federal Poverty Level. But you can get tax credits to help lower the rate of your monthly premiums. You must meet the following requirements to qualify for a ConnectorCare plan:

  1. Live in Massachusetts
  2. Be a U.S. citizen, national, or immigrant legally present in the USA.
  3. Not having access to comprehensive and affordable health insurance from an employer
  4. Not be in prison or jail
  5. Not qualify for Medicare, MassHealth, or other public health insurance programs.

The new rules and regulations don’t apply to people who pay full price for their coverage, or to people with incomes between 300% and 400% of the poverty level, who qualify only for Affordable Care Act subsidies, but not for ConnectorCare. However, more than three-quarters of Massachusetts Health Connector private plan enrollees are in ConnectorCare Health Insurance plans. You can know more at https://www.transitionsc.org/do-i-have-to-get-insurance-in-massachusetts/