Monthly premium
Your premium is the amount you pay for your health insurance each month.
$963.04
per monthVermont Select Silver CDHP Plan for Individual
Plan Costs & Overview
Based on the information entered for your annual household income and the number of people in your household needing insurance, you may qualify for an estimated subsidy of:
Based on the information entered for your annual household income and the number of people in your household needing insurance, you may qualify for Medicaid. You can learn more about Medicaid through the Vermont Health Connect website.
Based on the information entered for your annual household income and the number of people in your household needing insurance, you may not qualify for the federal subsidy through the Vermont Health Exchange. Please check your exact subsidy eligibility at Vermont Health Connect.
Deductible amount
The dollar amount you pay for services and/or medications before your plan begins to pay a larger portion of costs.
$5,475
per yearDeductible type
There are two kinds of deductibles: stacked and aggregate. Stacked deductible plans pay benefits for an individual once the individual deductible is met, even on a two-person or family plan. With aggregate deductibles, the full single or family deductible must be satisfied before benefits are paid.
Aggregate
Out-of-pocket maximum
A limit on the amount you will pay for covered services (medical or prescriptions) in a calendar year. Once you meet this limit, we will pay for 100% of covered health care costs for the rest of the calendar year.
$5,475
per yearHealth Savings Account (HSA) compatibility
A Health Savings Account (HSA) is a savings account that allows you to save money tax-free which can be used to pay for qualified health care expenses set by the IRS.
Compatible
Health Reimbursement Arrangement (HRA) compatibility
A Health Reimbursement Arrangement (HRA) is for some employer-funded health plans in which employees are reimbursed tax-free for qualified medical expenses up to a fixed dollar amount per year.
Not Compatible
Network type
The type of health insurance plan offered that determines the network of providers and facilities available in that health plan. For example, our EPO network plans cover services for doctors, specialists, or hospitals in our Blue Cross network within Vermont and nationwide.
EPO
Plan documents
Prescriptions
Prescription deductible
The amount you pay toward the cost of medications before your plan will begin to pay costs.
Combined with medical
Prescription out-of-pocket maximum
A limit on the amount you will pay for covered prescriptions in a calendar year. Once you meet this limit, we will pay for 100% of covered costs for the rest of the calendar year. Some plans may have a separate prescription out-of-pocket maximum, or it may be combined with the overall out-of-pocket maximum.
$1,600
Generic prescriptions
A generic drug is a medication created to be the same as an existing approved brand-name drug.
Before Deductible
Full price
After Deductible
$0
Preferred brand prescriptions
Brand-name drugs that are listed on our formulary drug list (drugs covered by your plan).
Before Deductible
Full price
After Deductible
$0
Non-preferred brand prescriptions
A medication that has been determined to have an alternate drug available that is clinically equivalent such as a generic equivalent.
Before Deductible
Full price
After Deductible
$0
Generic wellness prescriptions
A medication that has been determined to have an alternate drug available that is clinically equivalent such as a generic equivalent.
Before Deductible
$15
co-payAfter Deductible
$15
co-payPreferred wellness prescriptions
Preferred brand medications for select conditions such as asthma, antidepressants, cardiovascular/heart disease, diabetes, smoking deterrents, and more.
Before Deductible
$50
co-payAfter Deductible
$50
co-payNon-preferred wellness prescriptions
Preferred brand medications for select conditions such as asthma, antidepressants, cardiovascular/heart disease, diabetes, smoking deterrents, and more.
Before Deductible
60%
co-insuranceAfter Deductible
60%
co-insuranceNotes
The prescription deductible is waived for wellness drugs.
Office Visits
Preventive care
Services used to find or reduce your risks when you do not have symptoms, signs, or specific increased risk for the condition being targeted. It can include annual check-ups, immunizations, as well as certain tests and screenings.
$0
Screening
A test that helps find diseases and conditions early. Routine health screenings are recommended for people throughout life as part of preventive care.
$0
Immunization
Vaccinations for adults and children.
$0
Primary Care & Mental Health
A health care provider who provides primary, routine care services.
Before Deductible
Full price
After Deductible
$0
Specialist
A visit to a healthcare provider that is considered a medical specialist, such as an orthopedic surgeon or cardiologist.
Before Deductible
Full price
After Deductible
$0
Chiropractor
A visit to a healthcare provider that is considered a medical specialist, such as an orthopedic surgeon or cardiologist.
Before Deductible
Full price
After Deductible
$0
Outpatient Physical Therapy
A series of visits to a clinic (either in a hospital or facility) to receive therapy that relieves pain of an acute condition, restores function, and prevents disability following disease, injury. or loss of body part.
Before Deductible
Full price
After Deductible
$0
Nutritional Counseling
A healthcare provider helps you assess your dietary habits to help create an individual action plan for ongoing self-care.
Before Deductible
Full price
After Deductible
$0
Outpatient Speech and Occupational Therapy
Speech therapy services provide treatment of swallowing, speech-language and cognitive-communication disorders. Occupational therapy services promote the restoration of a physically disabled person’s ability to accomplish the ordinary tasks of daily living or the requirements of person’s particular occupation.
Before Deductible
Full price
After Deductible
$0
Hospital Services
Urgent Care
Health care services that are necessary to treat a condition or illness of an individual that if not treated within 24 hours would cause risk.
Before Deductible
Full price
After Deductible
$0
Emergency Room Care
Care for illness or injuries that need immediate attention and care.
Before Deductible
Full price
After Deductible
$0
Emergency Medical Transportation
Transportation provided to the nearest facility or hospital, such as by an ambulance service.
Before Deductible
Full price
After Deductible
$0
Diagnostic Testing
Tests ordered by your provider to learn or determine more about a specific condition or disease. These services can include labs, x-rays, testing, and other procedures. These tests can be performed in an office and in an outpatient hospital.
Before Deductible
Full price
After Deductible
$0
Outpatient Hospital Care
A patient who receives services/care that usually doesn’t require an overnight stay or being admitted into a hospital. Outpatient care may be provided in a hospital or ambulatory surgical center. These services can include surgery, diagnostic services, advanced imaging (MRI, CT or PET scan), treatments, or other types of procedures.
Before Deductible
Full price
After Deductible
$0
Inpatient Hospital Stay
Medical care when you get admitted to a health care facility, like a hospital or other type of inpatient facility and spend at least one night.
Before Deductible
Full price
After Deductible
$0
Enrollment & Help
Ready to enroll? Based on whether you qualify for federal subsidies or not, we have outlined the enrollment options below.
For those who do not qualify for subsidies or want to enroll directly with us
You can enroll directly online or download a PDF form to send to us.
By clicking the enrollment option directly with us, you are acknowledging you will not receive any premium assistance through Vermont Health Connect, and as a result may end up paying more for your health coverage. To verify you’re your eligibility to qualify for premium assistance and help reduce your monthly premium, click Check my Subsidy Eligibility button below.
For those who may qualify for subsidies
If you do qualify for subsidies, you must enroll through the Vermont Health Connect website.
Have Questions?
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