Charter Oak Health Plans offer affordable health insurance to the unemployed, employees of small businesses, recent graduates, early retirees and those working for companies that do not offer health insurance benefits in the state of Connecticut. For the first time, health insurance is within reach in Connecticut through this unique program. Adults with all incomes and all ages between 19 and 64 can join this plan.
Connecticut adults who may be experiencing financial difficulties or in between jobs now have access to decent, affordable health insurance. This company makes it a smooth and easy process to find relief from paying high premiums from expensive, non-group health insurance plans. The Charter Oak health plan has the main goal of providing reasonable health care benefits to Connecticut residents and competitive prices. Depending on your income, plans can be as low as $75 per month. The range for the average premium is $75-$259 which is definitely manageable for most residents.
The full package of benefits offered is also very competitive. Coverage offered in the plan includes a wide variety of benefits. Preventative care, ER and hospital visits, pharmacy, behavioral health services, and prescription medications are all part of the plans. Deductibles vary, but a primary care office visit has a co-pay of only $25 and a specialist visit is only $35. Preventative care office visits have 100% coverage with no co-pay at all and the $100 ER visit fee will be waived if it's an emergency. There is a three-tiered co-pay as low as $10 for prescription medications and a $7500 annual limit which is very generous.
The behavioral health program at Charter Oak Health Insurance gives coverage for mental health as well as substance abuse recovery. Professional counselors and therapists are made available and they can assist in finding the proper treatment. You do not need to obtain a referral to qualify to meet with a behavioral health specialist.
Once you become a member of Charter Oak you will enroll into one of the participating health insurance companies. These insurers include Aetna Better Health, Americhoice by UnitedHealthcare, or Community Health Network of Connecticut. The company you enroll with will coordinate your health insurance benefits. If your income is at a certain level, Charter Oak Health Plans may have a reduced premium and deductible offer for you. To choose a member health insurance company, locate physicians who are participating, hospitals and community health centers, and to receive a member handbook with an outline of all health care plans, contact the various providers.