Vermont’s Low-Cost Health Care
Green Mountain Care (http://www.greenmountaincare.org/) is Vermont’s answer to affordable health insurance for residents. The following health insurance companies in Vermont can provide low-income families, individuals with pre-existing medical conditions, and people who have been denied health insurance in the past with affordable health benefits.
Catamount Health -
- A comprehensive health plan offered by the Blue Cross Blue Shield of Vermont (http://www.bcbsvt.com/visitor/index.html)
- No upper income limit
- Especially low-income applicants may qualify for premium assistance.
Dr. Dynasaur (Vermont’s SCHIP program) –
- Low-cost health benefits for children under age 18
- Pregnant women also eligible
- Based on household income and family size
Employer-sponsored Health Insurance Premium Assistance –
- For residents of Vermont who do not currently have health insurance
- Helps individuals pay their monthly health insurance premiums
Long-term Care Medicaid –
- Vermont residents who require long-term care in a medical facility or at home
Medicaid in Vermont –
- Free or low-cost health insurance
- Low-income children, youth under 21, parents, pregnant women, caretakers, relatives who are blind or disable, and for people 65 years and older
- Eligibility based on income resources
Vermont health Access Plan (VHAP) –
- Adults over the age of 18
- Uninsured for 12 months or more
Prescription Payment Assistance in Vermont –
- Uninsured Vermont resident
- Those enrolled in Medicare
- Eligibility based on income, disability, status and age
What are vermont Health Benefits and How do I use them?
By definition, the term “benefit” refers to any service or supply that will be paid for by your health insurance plan. To find the specifics of your health insurance benefits, consult your health insurance contract. You should always verify your coverage before you use your benefits to make sure you are not paying more out of your pocket than you anticipated.
You pay for health insurance benefits through annual premiums that you pay in monthly rates. Your plan will usually consist of one or more out-of-pocket expenses, such as co-pays, coinsurance, and an annual plan deductible.
You should always have the following documents with in your possession:
Certificate of coverage that describes your health benefits, gives requirements and limitations, and provides the exclusions of your coverage in detail.
Outline of coverage that states what you pay in co-payments, deductibles and coinsurance. It will also list the medical services for which you need prior approval in order to make a successful claim. This document will also have a list of phone numbers you can call for more information.
Riders or Endorsements that outline your additional coverage and any changes made to your health insurance contract.
Identification Card that is proof of Vermont health insurance coverage and you usually have to present before you receive and medical services.
Why do I need a health plan?
Health plans help you pay for everyday medical expenses. You will also have access to lower prices for medical services because many companies negotiate with doctors and hospitals to receive the best rates.
Health insurance protects you and your family from the financial burden of medical emergencies, surgeries, hospital stays and more.
If you wait until a family member is sick before purchasing health insurance, you may be subject to rejection or high premiums due to a pre-existing condition.
