ConnectiCare 2018 Small Group plans

Transcription

1 ConnectiCare 2018 Small Group plans

2 Welcome to ConnectiCare This guide includes information about the 2018 Small Group Plans offered directly through ConnectiCare. We are pleased to offer you a wide range of plan options to help meet your needs and the needs of your employees, including: Many HSA-compatible plans 3 Passage HMO Plans with low copays and no deductible for doctor office visits and urgent care (see pages 8-9) 2 FlexPOS plans with $0 copays and no deductible for unlimited primary care visits at a Sanitas Medical Center (see pages 18 & 20) Larger Passage network in 2018! Our Passage network of primary care physicians has increased by OVER 70 % More small group plans to consider In addition to plans offered directly by ConnectiCare, we also offer plans through: CBIA Health Connections see plans at cbia.com The Access Health CT Small Business Health Options Program see plans at accesshealthctsmallbiz.com Talk with your broker to determine if purchasing your plan(s) through CBIA or Access Health CT is the better option for your company. Thank you for considering ConnectiCare ConnectiCare is uniquely positioned to help businesses like yours. We understand the needs of Connecticut businesses and individuals because we live and work in the same communities we serve. Review the plans and information in this guide and, if you have questions, contact your broker or ConnectiCare. We re here to help. Sincerely, Terri Guidone Vice President, Sales & Account Management ConnectiCare, Inc. & Affiliates 31

3 Dedicated to what we do best For over 36 years, ConnectiCare has helped make Connecticut a healthier place to live and work. Serving close to half a million Connecticut residents, we ve been recognized as a leading health plan: Member discounts and rewards ConnectiCare provides your employees with more than just health insurance. They get access to product and service discounts, college tuition savings, and health and wellness discounts. Ranked among the top commercial health plans in the nation, according to NCQA 1 Most recommended health plan in Connecticut 2 10% 19% 20% 20% 23% LifeMart LifeMart offers ConnectiCare members real savings on real life needs from major purchases like cars and vacations to day-to-day essentials like groceries and clothing! 6 Once registered, ConnectiCare members have FREE access to the LifeMart Member Discount Program where they can get great deals on: Anthem Aetna Cigna United ConnectiCare Healthcare Teaming up with doctors for better outcomes ConnectiCare has strong, longstanding relationships with the doctors and other health care providers in our state. Through our provider collaborations, together we help our members get the care they need. With these partnerships, we have seen improvements including a 30% increase in primary care visits and a 9% decrease in emergency room visits. 3 Vision Discount Program Theme parks Movie tickets Hotels Electronics Car rentals Flowers & g i ft s ConnectiCare plans cover annual eye exams and vision medical treatments. In addition, your employees can get discounts of 25% - 30% on prescription frames, lenses and contacts. Groceries Restaurants And more! Benefits your employees need All ConnectiCare plans include the benefits your employees need to help them stay healthy, including: Free preventive care 4 for covered services like their annual checkup, screenings and more Telemedicine through MDLIVE 5 virtual doctor visits from home, the office or on the go *Subject to limitations. RX Emergency and urgent care anywhere in the world * Prescription drug benefits Vision benefits College Tuition Rewards Healthy Alternatives Program Our College Tuition Rewards program can save your employees thousands on a family member s education. 7 This program provides tuition discounts to children, grandchildren, nieces and nephews designated by ConnectiCare members, with the potential to earn up to one full year s tuition at more than 340 private colleges and universities. Learn more at tuitionrewards.com/cci. The Healthy Alternatives Program can save your employees up to 30% on local health and wellness services. 7 WholeHealth Living administers the Healthy Alternatives provider network for the services listed below. For an up-to-date list of participating providers, locations and discounts, visit connecticare.com/discountprograms to access ConnectiCare s WholeHealth Living website, or call Members should show their ConnectiCare ID card to the provider so that they receive the discounted rate: Acupuncture Diet and nutrition Relaxation techniques Fitness centers/gyms counseling And more! Massage therapy Personal training 2 33

4 ConnectiCare centers When it comes to your health, sometimes you want a personal conversation. Your employees can get one-on-one help at a ConnectiCare center with things like: How to save money on prescriptions Sanitas Medical Centers Open in Newington and Bridgeport, Sanitas Medical Centers give ConnectiCare members one convenient place to get preventive care like annual checkups, walk-in urgent care, lab work and health programs. Plus, if your employees have questions about their coverage, there s a ConnectiCare center right next door to Sanitas. Knowing the best place to get care Estimating the cost of a test or procedure Understanding claim summaries ConnectiCare centers are open in Manchester, Newington and Bridgeport. Find the most up-to-date locations and hours at visitconnecticare.com. At our Manchester center, your employees can attend free fitness classes, talks by health and medical experts and seminars to learn more about health insurance. Services Health care for the entire family Urgent care/walk-ins for injuries or illnesses Onsite laboratory and diagnostic imaging Health programs $ 0 Copays for Primary Care Visits NEW in 2018 There are two Flex POS plans with $0 copays and no deductible for primary care visits at a Sanitas Medical Center. You can find these plans on pages 18 and 20 of this guide. For Sanitas locations and hours, go to mysanitas.com/ct 4 35

5 Plan options ConnectiCare offers small businesses three basic plan types: Plan Type Description Network Passage HMO plans Choice POS plans FlexPOS plans Metal Levels Plans that may give members a better value and an easier pathway to the services they need. With a Passage plan, a member selects a primary care doctor from the Passage network and lets him/ her guide their care including getting a referral to see a specialist. Plans that let members manage their care their way, with access to our broad network and the freedom to see a specialist without a referral. Plans that give members the most flexibility, with in-network coverage through our broadest network and the freedom to see a specialist without a referral. Separate Passage network including a subset of primary care doctors from our regional network, plus specialists, hospitals and other providers in CT and bordering sections of MA, NY and RI. Extensive regional network that includes all of CT and bordering sections of MA, NY and RI. PHCS Healthy Directions National Network. With PHCS, members have access to in-network care no matter where they are in the United States. Our Small Group plans are categorized by metal level or tier. The metal level is based on how much of the total health care costs the plan pays versus what members pay out-of-pocket. Listed below are descriptions for premium ranges and out-of-pocket costs for each metal level. Metal Level Premiums Your Out-of-Pocket Costs Plan Pays* Bronze plans Lowest Highest 60% plans Moderate Moderate 70% Gold plans Higher Lower 80% Platinum plans Highest Lowest 90% *Average amount plan pays for covered services Plans compatible with Health Savings Accounts (HSAs) ConnectiCare offers many HSA-compatible plans to choose from. An HSA is a savings account that members can fund with pre-tax dollars and use to pay for qualified health care expenses, including prescriptions. These plans are identified with HSA and (E) or (A) in their name in the plan charts on the following pages. (E) means that the plan has an embedded deductible. When any one family member has expenses equal to the single level deductible, the plan begins to pay for that one family member. (A) means that the plan has an aggregate deductible for all family members together. The plan does not begin to pay until the full family deductible is met. With both types of plans, the maximum out-of-pocket for any one family member cannot exceed $6,650. Passage HMO plans Our Passage HMO plans may give your employees a better value and an easier pathway to the services they need. These plans help to remove the financial barriers to everyday care people need with: No deductible for primary care, specialty care and urgent care visits Unlimited primary care physician (PCP) office visits for just $25 each Specialist visits for just $40 each With Passage, the member s PCP guides their care, referring them to specialists to help them get the right care at the right cost. Your employees PCPs know their health history and plan, so they can recommend the best care possible and help to eliminate cost surprises. You can find our Passage plans on pages 8 and 9. Larger Passage network in 2018! Our Passage network of primary care 70 physicians has increased by OVER % The Passage Network also includes thousands of specialists, pharmacies and other medical providers, plus many hospitals. 6 37

6 Passage HMO plans PLAN/MEDICAL DEDUCTIBLE Plan Name/Metal Level Contract-year Contract-year Contract-year Passage HMO PCP Copay $25 Platinum Passage HMO PCP Copay/Coins. $2,500/$5,000 ded. Gold Passage HMO PCP Copay $6,500/$13,000 ded. Deductible (Individual/Family) None $2,500/$5,000 $6,500/$13,000 Maximum Out-of-Pocket Limit (Individual/Family) $2,500/$5,000 $6,000/$12,000 $7,350/$14,700 IN-NETWORK MEDICAL BENEFITS Preventive Care/Screenings/Immunizations $0 $0 $0 Primary Care Services Specialist Services (A referral from your PCP is required to see a specialist) Vision Walk-In/Urgent Care Center $25 copay $25 copay $25 copay Worldwide Emergency Coverage* $200 copay $200 copay Inpatient Hospital Coverage /day $2,000 maximum per admission $200 copay/day $800 maximum per admission Hospital Outpatient Facilities $200 copay Outpatient Surgery Free Standing Locations $250 copay $250 copay $200 copay Lab Services X-Rays Advanced Imaging (CT Scans & MRI) OUT-OF-NETWORK MEDICAL BENEFITS $5 copay $5 copay up to $375 $5 copay Free standing facility: up to $375 Deductible (Individual/Family) N/A N/A N/A Coinsurance N/A N/A N/A Maximum Out-of-Pocket Limit (Individual/Family) N/A N/A N/A PRESCRIPTION DRUG BENEFIT Prescription Drug Deductible (Individual/Family) None None None $5 copay up to $375 Tier 1 Preferred Generic Drugs $5 copay $5 copay $5 copay Tier 2 Non-Preferred Generic Drugs Tier 3 Preferred Brand Drugs Tier 4 Non-Preferred Brand Drugs Tier 5 Preferred Specialty Drugs Tier 6 Non-Preferred Specialty Drugs 8 *Subject to limitations. 39

7 Choice POS plans PLAN/MEDICAL DEDUCTIBLE Plan Name/Metal Level Contract-year Contract-year Contract-year Contract-year Contract-year Choice POS Copay $1,500/$3,000 ded. Gold Choice POS Copay/Coins. $2,500/$5,000 ded. Gold Choice POS Copay/Coins. $3,250/$6,500 ded. Choice POS Copay/Coins. $3,750/$7,500 ded. Choice POS Copay/Coins. $4,000/$8,000 ded. Deductible (Individual/Family) $1,500/$3,000 $2,500/$5,000 $3,250/$6,500 $3,750/$7,500 $4,000/$8,000 Maximum Out-of-Pocket Limit (Individual/Family) $3,700/$7,400 $5,500/$11,000 $7,350/$14,700 $7,350/$14,700 $7,150/$14,300 IN-NETWORK MEDICAL BENEFITS Preventive Care/Screenings/Immunizations $0 $0 $0 $0 $0 Primary Care Services Specialist Services Vision Walk-In/Urgent Care Center Worldwide Emergency Coverage* Inpatient Hospital Coverage Hospital Outpatient Facilities Outpatient Surgery Free Standing Locations Lab Services X-Rays Advanced Imaging (CT Scans & MRI) OUT-OF-NETWORK MEDICAL BENEFITS $200 copay /day $1,500 maximum per admission up to $375 Free standing facility: up to $375 $25 copay up to $350 Free standing facility: up to $375 $35 copay Deductible (Individual/Family) $3,000/$6,000 $5,000/$10,000 $6,500/$13,000 $7,500/$15,000 $8,000/$16,000 Coinsurance 50% 50% 50% 50% 50% Maximum Out-of-Pocket Limit (Individual/Family) $7,400/$14,800 $11,000/$22,000 $14,700/$29,400 $14,700/$29,400 $14,300/$28,600 PRESCRIPTION DRUG BENEFIT Prescription Drug Deductible (Individual/Family) None None None None None Tier 1 Preferred Generic Drugs $5 copay $5 copay $5 copay $5 copay $5 copay Tier 2 Non-Preferred Generic Drugs Tier 3 Preferred Brand Drugs Tier 4 Non-Preferred Brand Drugs Tier 5 Preferred Specialty Drugs Tier 6 Non-Preferred Specialty Drugs 10 *Subject to limitations. 311

8 Choice POS plans PLAN/MEDICAL DEDUCTIBLE Plan Name/Metal Level Contract-year Contract-year Contract-year Contract-year Contract-year Choice POS HSA Coins. $2,800/$5,600 ded. (E)* Choice POS HSA Coins. $3,500/$7,000 ded. (E)* Choice POS HSA Coins. $4,250/$8,500 ded. Bronze (E)* Choice POS HSA Coins. $5,000/$10,000 ded. Bronze (E)* Choice POS HSA Coins. $6,500/$13,000 ded. Bronze (E)* Deductible (Individual/Family) $2,800/$5,600** $3,500/$7,000** $4,250/$8,500** $5,000/$10,000** $6,500/$13,000** Maximum Out-of-Pocket Limit (Individual/Family) $4,500/$9,000 $5,500/$11,000 $6,000/$12,000 $6,550/$13,100 $6,650/$13,300 IN-NETWORK MEDICAL BENEFITS Preventive Care/Screenings/Immunizations $0 $0 $0 $0 $0 Primary Care Services Specialist Services Vision Walk-In/Urgent Care Center Worldwide Emergency Coverage*** Inpatient Hospital Coverage Hospital Outpatient Facilities Outpatient Surgery Free Standing Locations Lab Services X-Rays Advanced Imaging (CT Scans & MRI) OUT-OF-NETWORK MEDICAL BENEFITS Deductible (Individual/Family) $5,600/$11,200 $7,000/$14,000 $8,500/$17,000 $10,000/$20,000 $13,000/$26,000 Coinsurance 50% 50% 50% 50% 50% Maximum Out-of-Pocket Limit (Individual/Family) $9,000/$18,000 $11,000/$22,000 $12,000/$24,000 $13,100/$26,200 $26,600/$53,200 PRESCRIPTION DRUG BENEFIT Prescription Drug Deductible (Individual/Family) deductible with medical deductible with medical deductible with medical deductible with medical deductible with medical Tier 1 Preferred Generic Drugs $5 copay $5 copay $5 copay $5 copay $5 copay Tier 2 Non-Preferred Generic Drugs Tier 3 Preferred Brand Drugs Tier 4 Non-Preferred Brand Drugs Tier 5 Preferred Specialty Drugs Tier 6 Non-Preferred Specialty Drugs 12 *(E) means the plan has an Embedded deductible. See page 7 for more information. **Integrated medical and prescription drug deductible. ***Subject to limitations. 313

9 FlexPOS plans PLAN/MEDICAL DEDUCTIBLE Plan Name/Metal Level Contract-year Contract-year Contract-year Calendar/Contract-year Contract-year FlexPOS Copay $40 Platinum FlexPOS Coins. $1,300/$2,600 ded. Gold FlexPOS Copay/Coins. $1,500/$3,000 ded. Gold FlexPOS Copay/Coins. $2,500/$5,000 ded. Gold FlexPOS Copay $3,000/$6,000 ded. Gold Deductible (Individual/Family) None $1,300/$2,600 $1,500/$3,000 $2,500/$5,000 $3,000/$6,000 Maximum Out-of-Pocket Limit (Individual/Family) $2,200/$4,400 $5,000/$10,000 $6,000/$12,000 $4,500/$9,000 $4,500/$9,000 IN-NETWORK MEDICAL BENEFITS Preventive Care/Screenings/Immunizations $0 $0 $0 $0 $0 Primary Care Services Specialist Services Vision Walk-In/Urgent Care Center Worldwide Emergency Coverage* $200 copay $200 copay Inpatient Hospital Coverage 500 copay/day $2,000 maximum per admission $250 copay/day $1,000 maximum per admission Hospital Outpatient Facilities $250 copay Outpatient Surgery Free Standing Locations $250 copay $250 copay Lab Services $5 copay $5 copay $0 X-Rays $25 copay Advanced Imaging (CT Scans & MRI) up to $375 Free standing facility: up to $375 Free standing facility: up to $375 up to $375 OUT-OF-NETWORK MEDICAL BENEFITS Deductible (Individual/Family) $5,000/$10,000 $5,000/$10,000 $5,000/$10,000 $5,000/$10,000 $5,000/$10,000 Coinsurance 30% 50% 50% 50% 50% Maximum Out-of-Pocket Limit (Individual/Family) $10,000/$20,000 $15,000/$30,000 $10,000/$20,000 $10,000/$20,000 $10,000/$20,000 PRESCRIPTION DRUG BENEFIT Prescription Drug Deductible (Individual/Family) None None None None None Tier 1 Preferred Generic Drugs $5 copay $5 copay $5 copay $5 copay $5 copay Tier 2 Non-Preferred Generic Drugs Tier 3 Preferred Brand Drugs $25 copay Tier 4 Non-Preferred Brand Drugs Tier 5 Preferred Specialty Drugs Tier 6 Non-Preferred Specialty Drugs 14 *Subject to limitations. 315

10 FlexPOS plans PLAN/MEDICAL DEDUCTIBLE Plan Name/Metal Level Contract-year Contract-year Calendar/Contract-year Contract-year Contract-year FlexPOS Coins. $1,500/$3,000 ded. FlexPOS Copay/Coins. $2,750/$5,500 ded. FlexPOS Copay/Coins. $3,000/$6,000 ded. FlexPOS Coins. $3,500/$7,000 ded. FlexPOS Copay/Coins. $3,750/$7,500 ded. Deductible (Individual/Family) $1,500/$3,000 $2,750/$5,500 $3,000/$6,000 $3,500/$7,000 $3,750/$7,500 Maximum Out-of-Pocket Limit (Individual/Family) $6,800/$13,600 $7,350/$14,700 $7,350/$14,700 $6,350/$12,700 $7,350/$14,700 IN-NETWORK MEDICAL BENEFITS Preventive Care/Screenings/Immunizations $0 $0 $0 $0 $0 Primary Care Services Specialist Services Vision Walk-In/Urgent Care Center Worldwide Emergency Coverage* 35% coinsurance Inpatient Hospital Coverage 35% coinsurance Hospital Outpatient Facilities Outpatient Surgery Free Standing Locations Lab Services X-Rays Advanced Imaging (CT Scans & MRI) OUT-OF-NETWORK MEDICAL BENEFITS $5 copay Free standing facility: up to $375 35% coinsurance 35% coinsurance Free standing facility: up to $375 Free standing facility: up to $375 Deductible (Individual/Family) $5,000/$10,000 $5,000/$10,000 $8,000/$16,000 $5,000/$10,000 $6,000/$12,000 Coinsurance 50% 50% 50% 50% 50% Maximum Out-of-Pocket Limit (Individual/Family) $15,000/$30,000 $10,000/$20,000 $15,000/$30,000 $15,000/$30,000 $12,000/$24,000 PRESCRIPTION DRUG BENEFIT Prescription Drug Deductible (Individual/Family) None None None None None Tier 1 Preferred Generic Drugs $5 copay $5 copay $5 copay $5 copay $5 copay Tier 2 Non-Preferred Generic Drugs Tier 3 Preferred Brand Drugs $60 copay $60 copay $60 copay Tier 4 Non-Preferred Brand Drugs Tier 5 Preferred Specialty Drugs Tier 6 Non-Preferred Specialty Drugs 16 *Subject to limitations. 317

11 FlexPOS plans PLAN/MEDICAL DEDUCTIBLE Plan Name/Metal Level Contract-year Calendar/Contract-year Calendar/Contract-year Calendar/Contract-year Calendar/Contract-year FlexPOS Copay/Coins. $4,700/$9,400 ded. FlexPOS HSA Copay/Coins. $2,600/$5,200 ded. (A)* FlexPOS HSA Copay/Coins. $2,750/$5,500 ded. (E)* FlexPOS HSA Copay/Coins. $3,000/$6,000 ded. (E)* FlexPOS HSA Copay $3,400/$6,800 ded. (E)* Deductible (Individual/Family) $4,700/$9,400 $2,600/$5,200** $2,750/$5,500** $3,000/$6,000** $3,400/$6,800** Maximum Out-of-Pocket Limit (Individual/Family) $7,350/$14,700 $6,000/$12,000 $6,000/$12,000 $5,000/$10,000 $5,000/$10,000 IN-NETWORK MEDICAL BENEFITS Preventive Care/Screenings/Immunizations $0 $0 $0 $0 $0 Primary Care Services Specialist Services Vision Walk-In/Urgent Care Center Worldwide Emergency Coverage*** Inpatient Hospital Coverage Hospital Outpatient Facilities Outpatient Surgery Free Standing Locations Lab Services X-Rays Advanced Imaging (CT Scans & MRI) OUT-OF-NETWORK MEDICAL BENEFITS At Sanitas Medical Center: $0 For all other network Primary Care: 40% coinsurance 40% coinsurance 40% coinsurance 40% coinsurance Free standing facility: up to $375 Free standing facility: up to $375 Free standing facility: up to $375 $25 copay $200 copay /day $2,000 maximum per admission $200 copay $0 $0 up to $375 Deductible (Individual/Family) $10,000/$20,000 $5,000/$10,000 $5,000/$10,000 $6,000/$12,000 $5,000/$10,000 Coinsurance 50% 50% 50% 50% 50% Maximum Out-of-Pocket Limit (Individual/Family) $15,000/$30,000 $10,000/$20,000 $10,000/$20,000 $12,000/$24,000 $10,000/$20,000 PRESCRIPTION DRUG BENEFIT Prescription Drug Deductible (Individual/Family) None Tier 1 Preferred Generic Drugs $5 copay $5 copay $5 copay $5 copay $5 copay Tier 2 Non-Preferred Generic Drugs Tier 3 Preferred Brand Drugs $60 copay $35 copay Tier 4 Non-Preferred Brand Drugs Tier 5 Preferred Specialty Drugs Tier 6 Non-Preferred Specialty Drugs 18 *(A) means the plan has an Aggregate deductible and (E) means the plan has an Embedded deductible. See page 7 for more information. **Integrated medical and prescription drug deductible. ***Subject to limitations. 319

12 FlexPOS plans PLAN/MEDICAL DEDUCTIBLE 20 Plan Name/Metal Level Contract-year Calendar/Contract-year Calendar/Contract-year Calendar/Contract-year FlexPOS Coins. $7,000/$14,000 ded. Bronze FlexPOS HSA Coins. $5,000/$10,000 ded. Bronze (E)* FlexPOS HSA Coins. $6,000/$12,000 ded. Bronze (E)* FlexPOS HSA Copay $6,350/$12,700 ded. Bronze(E)* Deductible (Individual/Family) $7,000/$14,000** $5,000/$10,000** $6,000/$12,000** $6,350/$12,700** Maximum Out-of-Pocket Limit (Individual/Family) $7,350/$14,700 $6,550/$13,100 $6,550/$13,100 $6,550/$13,100 IN-NETWORK MEDICAL BENEFITS Preventive Care/Screenings/Immunizations $0 $0 $0 $0 Primary Care Services Specialist Services Vision Walk-In/Urgent Care Center Worldwide Emergency Coverage*** Inpatient Hospital Coverage Hospital Outpatient Facilities Outpatient Surgery Free Standing Locations Lab Services X-Rays Advanced Imaging (CT Scans & MRI) OUT-OF-NETWORK MEDICAL BENEFITS At Sanitas Medical Center: $0 For all other network Primary Care: $200 copay /day $2,000 max per admission $250 copay up to $375 Deductible (Individual/Family) $12,500/$25,000 $12,500/$25,000 $10,000/$20,000 $12,500/$25,000 Coinsurance 50% 50% 50% 50% Maximum Out-of-Pocket Limit (Individual/Family) $17,500/$35,000 $17,500/$35,000 $15,000/$30,000 $20,000/$40,000 PRESCRIPTION DRUG BENEFIT Prescription Drug Deductible (Individual/Family) Tier 1 Preferred Generic Drugs $5 copay $5 copay $5 copay $5 copay Tier 2 Non-Preferred Generic Drugs Tier 3 Preferred Brand Drugs $60 copay $60 copay $60 copay $60 copay Tier 4 Non-Preferred Brand Drugs Tier 5 Preferred Specialty Drugs Tier 6 Non-Preferred Specialty Drugs *(E) means the plan has an Embedded deductible. See page 7 for more information. **Integrated medical and prescription drug deductible. ***Subject to limitations. 321

13 Questions? We re here to help. Monday Friday, 8 a.m. to 5 p.m. Or, if you prefer, call your broker When your health plan is ConnectiCare, you know that caring just goes with the territory. 323

14 Language & Non-Discrimination Notice ConnectiCare complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or sex. ConnectiCare does not exclude people or treat them differently because of race, color, national origin, age, disability, or sex. ConnectiCare: Provides free aids and services to people with disabilities to communicate effectively with us, including qualified interpreters and information in alternate formats. Provides free language services to people whose primary language is not English, including translated documents and oral interpretation. If you need these services, contact ConnectiCare s Committee for Civil Rights. If you believe that ConnectiCare has failed to provide these services or discriminated in another way on the basis of race, color, national origin, age, disability, or sex, you can file a grievance with: The Committee for Civil Rights, ConnectiCare, 175 Scott Swamp Road, Farmington, CT 06032, Phone: , and TTY: You can file a grievance in person or by mail. If you need help filing a grievance, The Committee for Civil Rights is available to help you. You can also file a civil rights complaint with the U.S. Department of Health and Human Services, Office for Civil Rights electronically through the Office for Civil Rights Complaint Portal, available at or by mail or phone at: U.S. Department of Health and Human Services, 200 Independence Avenue SW., Room 509F, HHH Building, Washington, DC 20201, , (TDD). Complaint forms are available at

15 Questions? We re here to help. Monday Friday, 8 a.m. to 5 p.m. Or, if you prefer, call your broker 1 NCQA Health Insurance Plan Rankings ( ) Net Promoter Industry Report 3 ConnectiCare internal analysis of book of business results for Free preventive care means that you will not have a copay or have to pay money toward your deductible or coinsurance for the services. Sometimes a preventive care visit leads to other medical care or tests, even at the same appointment. You should check with your doctor or doctor s staff during your visit to see if there are services you may be billed for. 5 MDLIVE does not replace the primary care physician and is not an insurance product. MDLIVE may not be available in certain states and is subject to state regulations. MDLIVE does not prescribe DEA controlled substances and may not prescribe non-therapeutic drugs and certain other drugs which may be harmful because of their potential for abuse. MDLIVE does not guarantee patients will receive a prescription. Healthcare professionals using the platform have the right to deny care if based on professional judgment a case is inappropriate for telehealth or for misuse of services. MDLIVE and the MDLIVE logo are registered trademarks of MDLIVE, Inc. and may not be used without written permission. For complete terms of use visit 6 By using LifeMart you are agreeing to LifeCare s Terms and Conditions and Privacy Policy. Merchants on LifeMart ( Merchants ) are independent third party entities unrelated to LifeCare. LifeCare makes no recommendations, representations or warranties regarding any Merchant or their goods/services. Purchases through LifeMart are at your own risk and any complaints regarding purchases should be directed to the applicable Merchant. Please note that some offers may not represent discounts or savings. All fees and costs associated with purchases made through LifeMart are the responsibility of the purchaser. LifeCare does not guarantee the availability of Merchants or discounts. Discounts are subject to change or withdrawal without notice, and any applicable time restrictions. Merchants or discounts may not be accessible from your computer based on firewalls or other accessibility issues or settings. 7 Discount programs provide access to discounted tuition, products and services; they are NOT insured benefits. These discounts are offered separate from your health benefits. These arrangements do not represent an endorsement or guarantee on the part of ConnectiCare, Inc. You are responsible for the full cost of the discounted tuition, products and services. Vendors such as Sage, LLC and American WholeHealth are independent contractors and are not agents of ConnectiCare Specialty Services. Vendor participation may change without notice. Information is believed to be accurate as of the production date; however, it is subject to change. ConnectiCare does not accept responsibility for the content and accuracy of discount and reward program websites. They are independent sites with their own privacy policies. ConnectiCare is not responsible for the privacy or security of the information you provide on the destination sites. For more information about Sage, LLC, refer to For more information about American WholeHealth, refer to ConnectiCare, Inc. & Affiliates. CCISMGRPPRODGRID 0218