Understanding when care is free, and when it’s not
ConnectiCare, like other health plans, encourages our members to get preventive care, like annual checkups, cancer screenings and immunizations, like the flu shot. And we pay all the costs for them.
In other words, they’re “free.” This means that you will not have a copay or have to pay money toward your deductible or coinsurance for the services. *
A free service, though, can lead to other tests or treatments that aren’t free. Here are some examples of situations that our members encounter and don’t always understand they may have to pay some of the costs.
Extra time or services
In each example, you may be charged for tests, lab work or consultations. How much depends on the service and on what your health plan says you pay for it.
Ways to know what’s free and what you’ll pay for
- Read your health plan documents. They explain your out-of-pocket costs. You can find your plan documents by logging into connecticare.com.
- Ask your doctor or doctor’s staff if you may be charged for any services. Don’t be shy! You’re a customer. If a doctor is ordering a test, for example, ask why.
- Contact us or visit a ConnectiCare center – we can verify what’s free and what’s not. We can also give you some tips for saving on costs while staying healthy.
*“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. Your membership agreement has a list of covered preventive services, including age and gender requirements and frequency limitation rules. To see your membership agreement, log into connecticare.com.