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We help make affordable health insurance possible.

Group health insurance should work for your employees and your bottom line. Together, we will guide and help you understand the plan options that work best for you and the amount you want to pay towards your employee premiums (monthly payments). We can even help you see if you qualify for any tax credits (financial help).

You control the coverage

With Access Health CT Small Business, you decide which plans to offer your employees and the amount you pay toward employee premiums (monthly payments).

See if you are eligible for tax credits (financial help)

We can help you see if your small business qualifies for tax credits — in some cases up to 50% of your contributions toward your employees premiums (monthly payments), or up to 35% for non-profits

“Is there a specific enrollment date or timeframe?”

No. Group health insurance is not tied to annual enrollment date. Group health insurance is based on a rolling date and can start any month of the year.

Franco Barrero |  Contact me

More FAQs

Here are some essential health benefits offered with all of our plans.

Prescription drug coverage

Key preventive and wellness services and chronic disease management

Pediatric (children’s health and well-child care) services, including dental and vision care

Maternity and newborn care

Outpatient services (ambulatory care)

Laboratory services and tests

Emergency services

In-hospital care (hospitalization)

Mental health and substance abuse services, including behavioral health treatment

Rehabilitative and habilitative services and devices

73%

of New England companies with fewer than 50 employees offer medical benefits through small business health insurance plans1.

1 U.S. Bureau of Labor Statistics

38.7%

of Connecticut businesses with fewer than 50 employees offer health insurance of any kind to employees2.

2 Kaiser Family Foundation

Want to know what plans we offer?

For 2023 and 2024 Access Health CT Small Business offers three basic categories for coverage – Gold, Silver and Bronze.

Explore dental plans available in our Access Health CT marketplace.

Plan year:
Plan type:
Anthem
Anthem Gold Pathway CT PPO
2024
Benefit Year: For Plan Year 2024
Referrals: Not Required
Preventative Adult Exams: No Cost
PCP Office Visit: $25 Copayment per visit
Specialist Office Visit $60 Copayment per visit
Prescription Drugs Tier 1: No Cost; Tier 2: $10 Copay; Tier 3: $60 Copay; Tier 4: 30% up to $500; Tier 5: 30% up to $1000
Mail Order Drug Tier 1: No Cost; Tier 2: $25 Copay; Tier 3: $180 Copay; Tier 4: 30% up to $1500; Tier 5: 30% up to $1000
Inpatient Hospital No Cost after Plan Deductible is met
Emergency Room 20% Coinsurance after Plan Deductible is met
Walk-in Urgent Care $25 Copayment per visit at a Walk-In Center; $100 Copayment per visit at an Urgent Care Facility (Urgent Care Center)
Ambulance No Cost
Outpatient Surgery $300 Copayment per visit at a Surgical Center; No Cost-Share after Deductible is met at an Outpatient Hospital Facility
Laboratory Service No Cost-Share at Site-of-Service Providers No Cost- Share after Deductible is met at an Outpatient Hospital Facility
Outpatient Diagnostic Tests No cost at site-of-service providers; No cost after deductible at outpatient hospital facility
Outpatient Diagnostic Imaging $75 copay to $375 max at site-of-service providers; No cost after deductible is met at outpatient hospital facility
Outpatient Mental Health No Cost-Share after deductible is met
Durable Medical Equipment 50% Coinsurance after deductible is met
Individual Deductible $2,500
Family Deductible $5,000
Out-of-Pocket Maximum $5,000
Family Out-of-Pocket Maximum $10,000
Anthem
Anthem Silver Pathway CT PPO
2024
Benefit Year: For Plan Year 2024
Referrals: Not Required
Preventative Adult Exams: No Cost
PCP Office Visit: $50 Copayment per visit
Specialist Office Visit $100 Copayment per visit
Prescription Drugs Tier 1: $0 Copayment; Tier 2: $10 Copayment; Tier 3: $60 Copay; Tier 4: 30% Coinsurance up to $500; Tier 5: 30% Coinsurance up to $1,000
Mail Order Drug Tier 1: $0 Copayment; Tier 2: $25 Copayment; Tier 3: $180; Tier 4: 30% Coinsurance up to $1,500; Tier 5: 30% Coinsurance up to $1,000
Inpatient Hospital 25% Coinsurance after Plan Deductible is met
Emergency Room 25% Coinsurance after Plan Deductible is met
Walk-in Urgent Care $50 Copayment per visit at a Walk-In Center; $100 Copayment per visit at an Urgent Care Facility (Urgent Care Center)
Ambulance 25% Coinsurance
Outpatient Surgery $500 Copayment per visit at a Surgical Center; 25% Coinsurance after Deductible is met at an Outpatient Hospital Facility
Laboratory Service No Cost-Share at Site-of-Service Providers 25% Coinsurance after Deductible is met at an Outpatient Hospital Facility
Outpatient Diagnostic Tests No Cost-Share at Site-of-Service Providers; 25% Coinsurance after Deductible is met at an Outpatient Hospital Facility
Outpatient Diagnostic Imaging $75 Copayment per service up to an annual maximum of $375 for MRI, MRA, CAT, CTA, PET and SPECT scans at Site-of-Service Providers; 25% Coinsurance after Deductible is met at an Outpatient Hospital Facility
Outpatient Mental Health 25% Coinsurance after Deductible is met
Durable Medical Equipment 50% Coinsurance after Deductible is met
Individual Deductible $5,500
Family Deductible $10,000
Out-of-Pocket Maximum $9,000
Family Out-of-Pocket Maximum $18,000
Anthem
Anthem Silver Pathway CT PPO w/HSA
2024
Benefit Year: For Plan Year 2024
Referrals: Not Required
Preventative Adult Exams: No Cost
PCP Office Visit: $50 Copayment per visit after Plan Deductible is met
Specialist Office Visit $100 Copayment per visit after Plan Deductible is met
Prescription Drugs Tier 1: $0 Copay; Tier 2: $10 Copay; Tier 3: $60 Copay; Tier 4: 30% Coinsurance after Deductible is met; Tier 5: 30% Coinsurance after Deductible is met
Mail Order Drug Tier 1: $0 Copay; Tier 2: $25 Copay; Tier 3: $180 Copay; Tier 4: 30% Coinsurance after Deductible is met; Tier 5: 30% after Deductible is met
Inpatient Hospital 20% Coinsurance after Plan Deductible is met
Emergency Room 20% Coinsurance after Plan Deductible is met
Walk-in Urgent Care Walk-In: $40 Copayment per visit after Plan Deductible Urgent Care: $100 Copayment per visit after Plan Deductible
Ambulance 20% Coinsurance after Plan Deductible is met
Outpatient Surgery $400 Copayment per visit after Deductible is met at a Surgery Center; 20% Coinsurance after Deductible is met at an Outpatient Hospital Facility
Laboratory Service No Cost-Share after Deductible is met at Site-of-Service Providers 20% Coinsurance after Deductible is met at an Outpatient Hospital Facility
Outpatient Diagnostic Tests $75 Copayment per service after Deductible is met at Site-of-Service Providers; 20% Coinsurance after Deductible is met at an Outpatient Hospital Facility
Outpatient Diagnostic Imaging $75 Copayment per service up to an annual maximum of $375 at Site-of-Service Providers; 20% Coinsurance after Deductible is met at an Outpatient Hospital Facility
Outpatient Mental Health 20% Coinsurance after Deductible is met
Durable Medical Equipment 50% Coinsurance after Deductible is met
Individual Deductible $3,000
Family Deductible $6,000
Out-of-Pocket Maximum $7,000
Family Out-of-Pocket Maximum $14,000
Anthem
Anthem Bronze Pathway CT PPO
2024
Benefit Year: For Plan Year 2024
Referrals: Not Required
Preventative Adult Exams: No Cost
PCP Office Visit: No Cost after Plan Deductible is met
Specialist Office Visit No Cost after Plan Deductible is met
Prescription Drugs No Cost after Plan Deductible is met
Mail Order Drug No Cost after Plan Deductible is met
Inpatient Hospital No Cost after Plan Deductible is met
Emergency Room No Cost after Plan Deductible is met
Walk-in Urgent Care No Cost after Plan Deductible is met
Ambulance No Cost after Plan Deductible is met
Outpatient Surgery No Cost after Plan Deductible is met
Laboratory Service No Cost-Share after Plan Deductible is met at an Independent Lab No Cost after Plan Deductible is met at an Outpatient Hospital Facility
Outpatient Diagnostic Tests No Cost after Plan Deductible is met
Outpatient Diagnostic Imaging No Cost after Plan Deductible is met
Outpatient Mental Health No Cost after Plan Deductible is met
Durable Medical Equipment No Cost after Plan Deductible is met
Individual Deductible $9,000
Family Deductible $18,000
Out-of-Pocket Maximum $9,000
Family Out-of-Pocket Maximum $18,000
Anthem
Anthem Bronze Pathway CT PPO w/HSA
2024
Benefit Year: For Plan Year 2024
Referrals: Not Required
Preventative Adult Exams: No Cost
PCP Office Visit: No Cost after Plan Deductible is met
Specialist Office Visit No Cost after Plan Deductible is met
Prescription Drugs No Cost-Share after Deductible is met
Mail Order Drug No Cost-Share after Deductible is met
Inpatient Hospital No Cost after Plan Deductible is met
Emergency Room No Cost after Plan Deductible is met
Walk-in Urgent Care No Cost after Plan Deductible is met
Ambulance No Cost after Plan Deductible is met
Outpatient Surgery No Cost after Plan Deductible is met
Laboratory Service No Cost-Share after Plan Deductible is met at an Independent Lab No Cost after Plan Deductible is met at an Outpatient Hospital Facility
Outpatient Diagnostic Tests No Cost after Plan Deductible is met
Outpatient Diagnostic Imaging No Cost after Plan Deductible is met
Outpatient Mental Health No Cost after Plan Deductible is met
Durable Medical Equipment No Cost after Plan Deductible is met
Individual Deductible $7,450
Family Deductible $14,900
Out-of-Pocket Maximum $7,450
Family Out-of-Pocket Maximum $14,900
Anthem
Anthem Gold Pathway CT PPO
2023
Benefit Year: For Plan Year 2023
Referrals: Not Required
Preventative Adult Exams: No Cost
PCP Office Visit: $25 Copayment per visit
Specialist Office Visit $60 Copayment per visit
Prescription Drugs Tier 1: No Cost; Tier 2: $10 Copay; Tier 3: $60 Copay; Tier 4: 30% up to $500; Tier 5: 30% up to $1000
Mail Order Drug Tier 1: No Cost; Tier 2: $25 Copay; Tier 3: $180 Copay; Tier 4: 30% up to $1500; Tier 5: 30% up to $1000
Inpatient Hospital No Cost after Plan Deductible is met
Emergency Room 20% Coinsurance after Plan Deductible is met
Walk-in Urgent Care $25 Copayment per visit at a Walk-In Center; $100 Copayment per visit at an Urgent Care Facility (Urgent Care Center)
Ambulance No Cost
Outpatient Surgery $300 Copayment per visit at a Surgical Center; No Cost-Share after Deductible is met at an Outpatient Hospital Facility
Laboratory Service No Cost-Share at Site-of-Service Providers No Cost- Share after Deductible is met at an Outpatient Hospital Facility
Outpatient Diagnostic Tests No cost at site-of-service providers; No cost after deductible at outpatient hospital facility
Outpatient Diagnostic Imaging $75 copay to $375 max at site-of-service providers; No cost after deductible is met at outpatient hospital facility
Outpatient Mental Health No Cost-Share after deductible is met
Durable Medical Equipment 50% Coinsurance after deductible is met
Individual Deductible $2,500
Family Deductible $5,000
Out-of-Pocket Maximum $5,000
Family Out-of-Pocket Maximum $10,000
Anthem
Anthem Silver Pathway CT PPO
2023
Benefit Year: For Plan Year 2023
Referrals: Not Required
Preventative Adult Exams: No Cost
PCP Office Visit: $50 Copayment per visit
Specialist Office Visit $100 Copayment per visit
Prescription Drugs Tier 1: $0 Copayment; Tier 2: $10 Copayment; Tier 3: $60 Copay; Tier 4: 30% Coinsurance up to $500; Tier 5: 30% Coinsurance up to $1,000
Mail Order Drug Tier 1: $0 Copayment; Tier 2: $25 Copayment; Tier 3: $180; Tier 4: 30% Coinsurance up to $1,500; Tier 5: 30% Coinsurance up to $1,000
Inpatient Hospital 25% Coinsurance after Plan Deductible is met
Emergency Room 25% Coinsurance after Plan Deductible is met
Walk-in Urgent Care $50 Copayment per visit at a Walk-In Center; $100 Copayment per visit at an Urgent Care Facility (Urgent Care Center)
Ambulance 25% Coinsurance
Outpatient Surgery $500 Copayment per visit at a Surgical Center; 25% Coinsurance after Deductible is met at an Outpatient Hospital Facility
Laboratory Service No Cost-Share at Site-of-Service Providers 25% Coinsurance after Deductible is met at an Outpatient Hospital Facility
Outpatient Diagnostic Tests No Cost-Share at Site-of-Service Providers; 25% Coinsurance after Deductible is met at an Outpatient Hospital Facility
Outpatient Diagnostic Imaging $75 Copayment per service up to an annual maximum of $375 for MRI, MRA, CAT, CTA, PET and SPECT scans at Site-of-Service Providers; 25% Coinsurance after Deductible is met at an Outpatient Hospital Facility
Outpatient Mental Health 25% Coinsurance after Deductible is met
Durable Medical Equipment 50% Coinsurance after Deductible is met
Individual Deductible $5,500
Family Deductible $10,000
Out-of-Pocket Maximum $9,000
Family Out-of-Pocket Maximum $18,000
Anthem
Anthem Silver Pathway CT PPO w/HSA
2023
Benefit Year: For Plan Year 2023
Referrals: Not Required
Preventative Adult Exams: No Cost
PCP Office Visit: $50 Copayment per visit after Plan Deductible is met
Specialist Office Visit $100 Copayment per visit after Plan Deductible is met
Prescription Drugs Tier 1: $0 Copay; Tier 2: $10 Copay; Tier 3: $60 Copay; Tier 4: 30% Coinsurance after Deductible is met; Tier 5: 30% Coinsurance after Deductible is met
Mail Order Drug Tier 1: $0 Copay; Tier 2: $25 Copay; Tier 3: $180 Copay; Tier 4: 30% Coinsurance after Deductible is met; Tier 5: 30% after Deductible is met
Inpatient Hospital 20% Coinsurance after Plan Deductible is met
Emergency Room 20% Coinsurance after Plan Deductible is met
Walk-in Urgent Care Walk-In: $40 Copayment per visit after Plan Deductible Urgent Care: $100 Copayment per visit after Plan Deductible
Ambulance 20% Coinsurance after Plan Deductible is met
Outpatient Surgery $400 Copayment per visit after Deductible is met at a Surgery Center; 20% Coinsurance after Deductible is met at an Outpatient Hospital Facility
Laboratory Service No Cost-Share after Deductible is met at Site-of-Service Providers 20% Coinsurance after Deductible is met at an Outpatient Hospital Facility
Outpatient Diagnostic Tests $75 Copayment per service after Deductible is met at Site-of-Service Providers; 20% Coinsurance after Deductible is met at an Outpatient Hospital Facility
Outpatient Diagnostic Imaging $75 Copayment per service up to an annual maximum of $375 at Site-of-Service Providers; 20% Coinsurance after Deductible is met at an Outpatient Hospital Facility
Outpatient Mental Health 20% Coinsurance after Deductible is met
Durable Medical Equipment 50% Coinsurance after Deductible is met
Individual Deductible $3,000
Family Deductible $6,000
Out-of-Pocket Maximum $7,000
Family Out-of-Pocket Maximum $14,000
Anthem
Anthem Bronze Pathway CT PPO
2023
Benefit Year: For Plan Year 2023
Referrals: Not Required
Preventative Adult Exams: No Cost
PCP Office Visit: No Cost after Plan Deductible is met
Specialist Office Visit No Cost after Plan Deductible is met
Prescription Drugs No Cost after Plan Deductible is met
Mail Order Drug No Cost after Plan Deductible is met
Inpatient Hospital No Cost after Plan Deductible is met
Emergency Room No Cost after Plan Deductible is met
Walk-in Urgent Care No Cost after Plan Deductible is met
Ambulance No Cost after Plan Deductible is met
Outpatient Surgery No Cost after Plan Deductible is met
Laboratory Service No Cost-Share after Plan Deductible is met at an Independent Lab No Cost after Plan Deductible is met at an Outpatient Hospital Facility
Outpatient Diagnostic Tests No Cost after Plan Deductible is met
Outpatient Diagnostic Imaging No Cost after Plan Deductible is met
Outpatient Mental Health No Cost after Plan Deductible is met
Durable Medical Equipment No Cost after Plan Deductible is met
Individual Deductible $9,000
Family Deductible $18,000
Out-of-Pocket Maximum $9,000
Family Out-of-Pocket Maximum $18,000
Anthem
Anthem Bronze Pathway CT PPO w/HSA
2023
Benefit Year: For Plan Year 2023
Referrals: Not Required
Preventative Adult Exams: No Cost
PCP Office Visit: No Cost after Plan Deductible is met
Specialist Office Visit No Cost after Plan Deductible is met
Prescription Drugs No Cost-Share after Deductible is met
Mail Order Drug No Cost-Share after Deductible is met
Inpatient Hospital No Cost after Plan Deductible is met
Emergency Room No Cost after Plan Deductible is met
Walk-in Urgent Care No Cost after Plan Deductible is met
Ambulance No Cost after Plan Deductible is met
Outpatient Surgery No Cost after Plan Deductible is met
Laboratory Service No Cost-Share after Plan Deductible is met at an Independent Lab No Cost after Plan Deductible is met at an Outpatient Hospital Facility
Outpatient Diagnostic Tests No Cost after Plan Deductible is met
Outpatient Diagnostic Imaging No Cost after Plan Deductible is met
Outpatient Mental Health No Cost after Plan Deductible is met
Durable Medical Equipment No Cost after Plan Deductible is met
Individual Deductible $7,450
Family Deductible $14,900
Out-of-Pocket Maximum $7,450
Family Out-of-Pocket Maximum $14,900
ConnectiCare
ConnectiCare Passage Gold POS PCP – For Renewal Only
2023
Benefit Year: For Plan Year 2023
Referrals: Required
Preventative Adult Exams: No Cost
PCP Office Visit: $30 Copayment per visit
Specialist Office Visit $50 Copayment per visit
Prescription Drugs Tier 1: $10 Copayment; Tier 2: $50 Copayment; Tier 3: 50% up to $250; Tier 4: 50% up to $500
Mail Order Drug Tier 1: $20 Copayment; Tier 2: $100 Copayment; Tier 3: 50% up to $500
Inpatient Hospital 20% Coinsurance per admission after INET Plan Deductible is met
Emergency Room 20% Coinsurance per visit after INET Plan Deductible is met
Walk-in Urgent Care $100 Copayment per visit
Ambulance 20% Coinsurance after INET Plan Deductible is met
Outpatient Surgery $500 copayment per visit at an Ambulatory Surgery Center; 20% coinsurance after INET plan deductible is met at an Outpatient Hospital Facility
Laboratory Service Laboratory: $10 copayment
Outpatient Diagnostic Tests $50 copayment per service at freestanding facility; 20% coinsurance per service after INET plan deductible is met at Hospital Facility
Outpatient Diagnostic Imaging $75 copayment per service up to five copayments per year at a Freestanding Facility, then copayment waived; 20% coinsurance per service after INET plan deductible is met at a Hospital Facility
Outpatient Mental Health $50 Copayment per visit
Durable Medical Equipment 50% Coinsurance per equipment/supply
Individual Deductible $3,000
Family Deductible $6,000
Out-of-Pocket Maximum $8,500
Family Out-of-Pocket Maximum $17,000
ConnectiCare
ConnectiCare Choice Silver POS – For Renewal Only
2023
Benefit Year: For Plan Year 2023
Referrals: Not Required
Preventative Adult Exams: No Cost
PCP Office Visit: $50 Copayment per visit
Specialist Office Visit $75 Copayment per visit
Prescription Drugs Tier 1: $20 copayment; Tier 2: $60 copayment; Tier 3: 50% coinsurance up to $300; Tier 4: 50% coinsurance up to $500
Mail Order Drug Tier 1: $40 copayment; Tier 2: $120 copayment; Tier 3: 50% coinsurance up to $600
Inpatient Hospital 40% Coinsurance per admission after INET Plan Deductible is met
Emergency Room 40% Coinsurance after per visit INET Plan Deductible is met
Walk-in Urgent Care $100 Copayment per visit
Ambulance 40% Coinsurance per service after INET Plan Deductible is met
Outpatient Surgery 40% Coinsurance per visit after INET Plan Deductible is met
Laboratory Service 40% Coinsurance per service after INET plan deductible is met
Outpatient Diagnostic Tests 40% Coinsurance per service after INET Plan Deductible is met
Outpatient Diagnostic Imaging 40% Coinsurance per service after INET Plan Deductible is met
Outpatient Mental Health $75 Copayment per visit
Durable Medical Equipment 40% Coinsurance per equipment/supply after INET Plan Deductible is met
Individual Deductible $4,000
Family Deductible $8,000
Out-of-Pocket Maximum $9,100
Family Out-of-Pocket Maximum $18,200
ConnectiCare
ConnectiCare Choice Silver POS w/HSA – For Renewal Only
2023
Benefit Year: For Plan Year 2023
Referrals: Not Required
Preventative Adult Exams: No Cost
PCP Office Visit: 25% Coinsurance after Plan Deductible is met
Specialist Office Visit 25% Coinsurance after Plan Deductible is met
Prescription Drugs Deductible then, Tier 1: $10 Copayment; Tier 2: $60 Copayment; Tier 3: 50% up to $300; Tier 4: 50% up to $500
Mail Order Drug Deductible then, Tier 1: $20 Copayment; Tier 2: $120 Copayment; Tier 3: 50% up to $600; Tier 4: N/A
Inpatient Hospital 25% Coinsurance after Plan Deductible is met
Emergency Room 25% Coinsurance after Plan Deductible is met
Walk-in Urgent Care 25% Coinsurance after Plan Deductible is met
Ambulance 25% Coinsurance after Plan Deductible is met
Outpatient Surgery 25% Coinsurance after Plan Deductible is met
Laboratory Service 25% Coinsurance after Plan Deductible is met
Outpatient Diagnostic Tests 25% Coinsurance after Plan Deductible is met
Outpatient Diagnostic Imaging 25% Coinsurance after Plan Deductible is met
Outpatient Mental Health 25% Coinsurance after Plan Deductible is met
Durable Medical Equipment 25% Coinsurance after Plan Deductible is met
Individual Deductible $3,500
Family Deductible $7,000
Out-of-Pocket Maximum $6,900
Family Out-of-Pocket Maximum $13,800
ConnectiCare
ConnectiCare Choice Bronze POS – For Renewal Only
2023
Benefit Year: For Plan Year 2023
Referrals: Not Required
Preventative Adult Exams: No Cost
PCP Office Visit: $45 Copayment per visit
Specialist Office Visit $60 Copayment per visit
Prescription Drugs Tier 1: $20 copayment; Tier 2: $60 copayment; Tier 3: 50% coinsurance up to $300; Tier 4: 50% coinsurance up to $500
Mail Order Drug Tier 1: $40 copayment; Tier 2: $120 copayment; Tier 3: 50% coinsurance up to $600
Inpatient Hospital 40% coinsurance after INET Plan Deductible is met
Emergency Room 40% coinsurance after INET Plan Deductible is met
Walk-in Urgent Care $100 Copayment per visit after INET Plan Deductible is met
Ambulance 40% coinsurance after INET Plan Deductible is met
Outpatient Surgery $500 copay per visit after INET plan deductible is met at an Ambulatory Surgery Center; 40% coinsurance per visit after INET plan deductible is met at an Outpatient Hospital Facility
Laboratory Service $20 Copayment after INET Plan Deductible is met
Outpatient Diagnostic Tests $50 copayment per service after INET plan deductible is met at Freestanding Facility; 40% coinsurance per service after INET plan deductible is met at a Hospital Facility
Outpatient Diagnostic Imaging $75 copayment per service after INET plan deductible is met up to five copayments per year at a Freestanding Facility, then copayment waived; 40% coinsurance per service after INET plan deductible is met at a Hospital Facility
Outpatient Mental Health 40% coinsurance per visit after INET plan deductible is met
Durable Medical Equipment 40% Coinsurance after INET plan deductible is met
Individual Deductible $7,500
Family Deductible $15,000
Out-of-Pocket Maximum $9,100
Family Out-of-Pocket Maximum $18,200
ConnectiCare
ConnectiCare Choice Bronze POS w/HSA – For Renewal Only
2023
Benefit Year: For Plan Year 2023
Referrals: Not Required
Preventative Adult Exams: No Cost
PCP Office Visit: 40% Coinsurance after INET plan deductible is met
Specialist Office Visit 50% Coinsurance after INET Plan Deductible is met
Prescription Drugs Tier 1: $20 copayment; Tier 2: $60 copayment; Tier 3: 50% coinsurance up to $300; Tier 4: 50% coinsurance up to $500
Mail Order Drug Tier 1: $40 copayment; Tier 2: $120 copayment; Tier 3: 50% coinsurance up to $600
Inpatient Hospital 50% Coinsurance after INET Plan Deductible is met
Emergency Room 50% Coinsurance after INET Plan Deductible is met
Walk-in Urgent Care 50% Coinsurance after INET Plan Deductible is met
Ambulance 50% Coinsurance after INET Plan Deductible is met
Outpatient Surgery 50% Coinsurance after INET Plan Deductible is met
Laboratory Service 50% Coinsurance after INET Plan Deductible is met
Outpatient Diagnostic Tests 50% Coinsurance after INET Plan Deductible is met
Outpatient Diagnostic Imaging 50% Coinsurance after INET Plan Deductible is met
Outpatient Mental Health 50% Coinsurance after INET Plan Deductible is met
Durable Medical Equipment 50% Coinsurance after INET Plan Deductible is met
Individual Deductible $6,000
Family Deductible $12,000
Out-of-Pocket Maximum $7,500
Family Out-of-Pocket Maximum $15,000
Anthem Plans

Review your plan documents, prescription drug formularies and provider directory online for the most up to date information at anthem.com

Deductible is waved for drugs on the preventive Rx drug list

All Access Health CT Small Business Plans have embedded deductibles

Outside of Connecticut coverage – PPO plans have full BlueCard access using the BlueCard PPO network. HMO plans have limited BlueCard access for urgent and emergency coverage only using the Participating Provider Network

All discount programs for small groups apply for on-and off-exchange members

Curious about individual plan options for you or your employees?

While we focus on small businesses with 50 employees or less, you can enroll in the individual marketplace as sole proprietors.

Understanding your options should be simple.

It is important to us that you are confident about your options and the help we can provide. We have answered the most common questions below and can offer 1-on-1 help, as well.

“Can employees who live outside of Connecticut be covered?”

Yes! Employees who live outside of Connecticut can enroll in an Access Health CT Small Business group health plan offered by their employer. Non-resident employees should check the provider directories to make sure they include doctors, hospitals, and other healthcare providers in their home state, otherwise they may have to seek services within Connecticut. They should also review each plan’s payment policies regarding out-of-network care.

Kayla RotondoKayla Rotondo | Contact me

“Which health insurance companies offer group health insurance plans through Access Health CT?”

Access Health CT Small Business offers a choice of plans through Anthem Blue Cross and Blue Shield.

Darwin JuradoDarwin Jurado | Contact me

Interested in learning more about health insurance for small businesses?

As insurance industry and government requirements change, our articles, videos and podcast series can help explain what that means for you and the coverage you offer.

Access Health CT Small Business is Connecticut’s official marketplace for group health insurance, here to provide you with answers as well as coverage for your small business employees.