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Maximizing Your Benefits During Open Enrollment
Prepare for a healthier future with these 7 essential tips for maximizing your health plan during open enrollment.
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Health Insurance for Individuals and Families
We want to make sure that you are aware of all the benefits that may be available to you. The Inflation Reduction Act allow Vermont households to possibly qualify for expanded premium tax credits in 2023, through Vermont's health insurance marketplace, Vermont Health Connect. These premium tax credits may make your Blue Cross health insurance plan more affordable.
Our Plan Options
We offer three levels of qualified health plans with different levels to meet your health care needs. Learn more about our plans below or us our Find and Compare Plans tool.
Vermont Preferred Plans
Our Vermont Preferred Plan include 4-8-12 (based on your coverage level) primary care or mental health visits at no cost to you. In addition, you receive special benefits for specialist and nutritional visits for select chronic care conditions. These plans also include a no-deductible wellness drug benefit.
| Product | Health Savings Account (HSA) | Deductible Level | PDF Download |
|---|---|---|---|
| Vermont Preferred Gold | No | Low | 2023 Vermont Preferred Gold Plan |
| Vermont Preferred Silver Reflective | No | Low | 2023 Vermont Preferred Silver Reflective Plan |
| Vermont Preferred Silver | No | Medium | 2023 Vermont Preferred Silver Plan |
| Vermont Preferred Bronze | No | High | 2023 Vermont Preferred Bronze Plan |
Vermont Select Plans
Our Vermont Select Plans are great value health plans that you can pair with an integrated Health Savings Account (HSA). They offer complete coverage after your deductible is met for the calendar year, as well as waive the deductible for wellness prescription drugs.
| Product | Health Savings Account (HSA) | Deductible Level | PDF Download |
|---|---|---|---|
| Vermont Select Gold CDHP | Yes | Low | 2023 Vermont Select Gold CDHP Plan |
| Vermont Select Silver CDHP Reflective | Yes | Medium | 2023 Vermont Select Silver CDHP Reflective Plan |
| Vermont Select Silver CDHP | Yes | Medium | 2023 Vermont Select Silver CDHP Plan |
| Vermont Select Bronze CDHP | Yes | High | 2023 Vermont Select Bronze CDHP Plan |
Standard Plans
Our standard qualified health care plans offer the quality service Vermonters have come to know and love. Our Standard Plans plans provide a range of options to help you get the coverage needed.
| Product | Health Savings Account (HSA) | Deductible Level | PDF Download |
|---|---|---|---|
| Standard Platinum | No | Low | 2023 Standard Platinum Plan |
| Standard Gold | No | Low | 2023 Standard Gold Plan |
| Standard Silver Reflective | No | Medium | 2023 Standard Silver Reflective Plan |
| Standard Silver | No | Medium | 2023 Standard Silver Plan |
| Standard Bronze | No | High | 2023 Standard Bronze Plan |
| Standard Bronze Integrated | No | High | 2023 Standard Bronze Integrated Plan |
| Standard Silver CDHP Reflective | Yes | Low | 2023 Standard Silver CDHP Reflective Plan |
| Standard Silver CDHP | Yes | Low | 2023 Standard Silver CDHP Plan |
| Standard Bronze CDHP | Yes | Medium | 2023 Standard Bronze CDHP Plan |
| Catastrophic | No | High | 2023 Catastrophic Plan |
Need help choosing a plan?
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We'll help you find the right plan for yourself or your whole family.
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Vermont Blue Rx Pharmacy
Vermont Blue Rx is our local solution to answer your pharmacy needs. We offer a local and national network of pharmacies to help you manage your care and reduce prescription drug costs.
Health Plan Contract Documents
- Platinum, Gold, Silver and Bronze Plans Certificate of Coverage (280-318)
- Vermont Preferred Gold, Silver and Bronze Plans Certificate of Coverage (280-319)
- Vermont Select Gold, Silver, and Bronze CDHP Plans Certificate of Coverage (280-320)
- Vermont Silver and Bronze CDHP Plans Certificate of Coverage (280-326)
- Catastrophic Plan Certificate of Coverage (280-539)
To view the 2023 Cost-Share Reduction documents, visit our 2023 Cost-Share Reduction Summary of Benefits and Coverage page.
For the 2022 benefits summary documents and coverage certificates for our Qualified Health Plans, visit our 2022 Coverage Year Documents for Qualified Health Plans page.