A non-government entity
ConnectiCare Flex Plan 3 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for ConnectiCare Flex Plan 3 (HMO-POS). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on ConnectiCare Flex Plan 3 (HMO-POS) in 2026, please refer to our full plan details page.
ConnectiCare Flex Plan 3 (HMO-POS) is a HMO-POS plan offered by Molina Healthcare, Inc. available for enrollment in 2025 to people living in State of Connecticut. This plan received an overall rating of 3.5 out of 5 stars in 2026.
It's important to know that ConnectiCare Flex Plan 3 (HMO-POS) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.
Key Plan Facts
Below are a few key facts and commonly-asked questions about ConnectiCare Flex Plan 3 (HMO-POS).
Plan Costs:
The cost of a Medicare Advantage Plan is made up of four main parts.
- First, the monthly premium — the amount you pay every month.
- Second, the deductible — the amount you pay out of pocket for covered services before the plan starts paying.
- Third, the copayments and coinsurance — the amounts you pay out of pocket for covered services, usually after meeting the deductible (if applicable). Copays are fixed dollar amounts; coinsurance is a percentage of the cost.
- Fourth, the Out-of-Pocket Maximum — the maximum amount you could have to pay out of pocket in a year. This may be different for in-network and out-of-network services.
For ConnectiCare Flex Plan 3 (HMO-POS), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $49.00. This is the amount you must pay every month.
This plan does not come with a Part B Premium reduction. You must continue to pay your Part B premium.
Deductibles
This plan does not have a health deductible. Your insurance coverage on covered health services will start immediately.
This plan has a $185.00 drug deductible. You will need to pay this amount towards covered prescriptions before your insurance coverage for prescription medications kicks in.
Out-of-Pocket Maximums
This plan has a Maximum Out-Of-Pocket cost of $10000.00 for in-network services. You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $10000.00 for in-network covered services, the plan will pay 100% of in-network covered costs for the rest of the year.
This plan has a Maximum Out-Of-Pocket cost of $6750.00 for out-of-network services. You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $10000.00 for in-network covered services, the plan will pay 100% of in-network covered costs for the rest of the year.
You can see below for the coinsurance and specific copayments for in the Additional Benefits section below, or refer to our Plan Details page for more details.
Common Services:
Doctor Visits:
Specialist Visits:
Emergency Room:
Urgent Care:
Sign up for ConnectiCare Flex Plan 3 (HMO-POS)
Need help deciding? Talk with one of our licensed insurance specialists 1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
Drug Coverage
The ConnectiCare Flex Plan 3 (HMO-POS) features an annual prescription drug deductible of $185. Under this plan, Tier 1 preferred generic drugs require a $1 copay for a one-month supply and a $2 copay for a two- or three-month supply. Tier 2 generic medications carry a $10 copay for a one-month supply and a $20 copay for longer fills, while Tier 6 select care drugs are available with no copay. For higher-tier medications, costs are based on coinsurance rather than set copays. Tier 3 preferred brand drugs require a 25% coinsurance, while Tier 4 non-preferred drugs carry a 27% coinsurance. Tier 5 specialty drugs are covered at a 30% coinsurance for a one-month supply through standard pharmacies and mail order.
Additional Benefits
ConnectiCare Flex Plan 3 (HMO-POS) offers affordable routine care with no copay for preventive services, a low $5 copay for primary care doctor visits, and a $50 copay for specialists. For hospital care, inpatient stays require a $495 daily copay for days 1 through 5 with no copay for subsequent days, while emergency room visits carry a $130 copay that is waived if you are admitted. Outpatient hospital services feature copays ranging from no copay up to $325 with no coinsurance. Additional plan perks include preventive dental exams and cleanings with no copay, alongside a $200 annual allowance for eyewear with no copay. Routine hearing and vision exams are covered with a $50 copay, and members receive a $50 allowance every three months for over-the-counter items with no copay. Durable medical equipment and diabetic supplies are also covered, typically requiring a 10% to 20% coinsurance.
Inpatient Hospital See details
ConnectiCare Flex Plan 3 (HMO-POS) covers inpatient hospital services with no coinsurance, requiring a $495 daily copay for days 1 through 5 (with no copay for days 6 and beyond) for acute stays, and a $2,290 copay per psychiatric stay. Prior authorization is required, and certain services such as upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
ConnectiCare Flex Plan 3 (HMO-POS) covers outpatient hospital services with a $0 to $325 copay and no coinsurance, and observation services with a $325 copay per stay and no coinsurance. Ambulatory surgical center and outpatient blood services are covered with no copay and no coinsurance, while outpatient substance abuse sessions require a $40 copay and no coinsurance.
Partial Hospitalization See details
ConnectiCare Flex Plan 3 (HMO-POS) covers partial hospitalization services with a $55 copay and no coinsurance. Prior authorization is required to access this benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by ConnectiCare Flex Plan 3 (HMO-POS), featuring a $325 copay for ground ambulance services and a 20% coinsurance for air ambulance services, with prior authorization required. Although some transportation services are covered, transportation to plan-approved health-related locations and any health-related locations is not covered.
Emergency Services See details
ConnectiCare Flex Plan 3 (HMO-POS) covers emergency services with a $130 copay and no coinsurance, with the copay waived if you are admitted to the hospital within one day. Urgently needed services are covered with a $50 copay and no coinsurance, while worldwide emergency, urgent, and transportation services feature no copay or coinsurance up to a $50,000 maximum benefit limit.
Primary Care See details
ConnectiCare Flex Plan 3 (HMO-POS) covers primary care physician services for a $5.00 copay and specialist visits for a $50.00 copay, both with no coinsurance. Therapy, psychiatric, and mental health services require a $40.00 copay with no coinsurance, while podiatry and routine chiropractic care are not covered.
Preventive Services See details
Preventive services are covered by ConnectiCare Flex Plan 3 (HMO-POS) with no copay and no coinsurance, including annual physicals, kidney disease education, and glaucoma screenings. This benefit is partially covered because it excludes in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, re-admission prevention, wigs for chemotherapy-related hair loss, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, home-based palliative care, in-home support, caregiver support, additional smoking cessation counseling, telemonitoring, home and bathroom safety modifications, and counseling.
Hearing Services See details
ConnectiCare Flex Plan 3 (HMO-POS) partially covers hearing services, offering one routine hearing exam per year with a $50 copay and no coinsurance. Hearing aid fittings and evaluations, prescription hearing aids, and over-the-counter hearing aids are not covered.
Vision Services See details
ConnectiCare Flex Plan 3 (HMO-POS) covers annual routine eye exams with a $50 copay and no coinsurance, while other eye exam services are not covered. Eyewear is covered with no copay or coinsurance up to a $200 annual maximum for contact lenses and eyeglasses, though upgrades are not covered.
Dental Services See details
ConnectiCare Flex Plan 3 (HMO-POS) dental services are partially covered, featuring Medicare-covered dental care for a $50 copay and no coinsurance, and preventive services like exams, cleanings, and x-rays with no copay and no coinsurance. Restorative services, endodontics, periodontics, prosthodontics, implants, oral surgery, and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered under ConnectiCare Flex Plan 3 (HMO-POS) with no copay, though prior authorization is required. Covered Medicare Part B chemotherapy and other drugs have no copay and a coinsurance ranging from no coinsurance to 20%, while Part B insulin requires a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
ConnectiCare Flex Plan 3 (HMO-POS) covers Dialysis Services with no copay and a 20% coinsurance.
Medical Equipment See details
Medical equipment is covered by ConnectiCare Flex Plan 3 (HMO-POS) with no copay, though prior authorization is required for some services. Durable medical equipment requires a 10% to 20% coinsurance, while prosthetics, medical supplies, and diabetic equipment carry a 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by ConnectiCare Flex Plan 3 (HMO-POS) with prior authorization required. Diagnostic services feature no coinsurance, with no copay for lab services and a $25 copay for procedures, while radiological services require a $45 copay plus coinsurance for X-rays, no copay for diagnostic radiology, and a 20% coinsurance for therapeutic radiology.
Home Health Services See details
ConnectiCare Flex Plan 3 (HMO-POS) covers home health services with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
ConnectiCare Flex Plan 3 (HMO-POS) cardiac rehabilitation services require prior authorization and have no coinsurance, but only some services are covered as cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is covered by ConnectiCare Flex Plan 3 (HMO-POS) with no coinsurance, requiring prior authorization and no prior three-day hospital stay. There is no copay for days 1 through 20 and a $214 daily copay for days 21 through 100, though additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
ConnectiCare Flex Plan 3 (HMO-POS) partially covers other services, providing over-the-counter (OTC) items with no copay and no coinsurance up to a maximum of $50 every three months. Acupuncture, meal benefits, and other additional services are not covered under this benefit.
Get Personalized Help from a licensed insurance agent
1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
*/SMID: MULTIPLAN_HCIHNMEDADVRX25_HCI_M
MedicareAdvantageRX.com is owned and operated by Dog Media Solutions LLC.
This is a promotional communication.
Every year, Medicare evaluates plans based on a 5-star rating system.
Part B premium reduction is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.
* Benefit(s) mentioned may be part of a special supplemental program for chronically ill members with one of the following conditions: Diabetes mellitus, Cardiovascular disorders, Chronic and disabling mental health conditions, Chronic lung disorders, Chronic heart failure. This is not a complete list of qualifying conditions. Having a qualifying condition alone does not mean you will receive the benefit(s). Other requirements may apply.
Enrollment in Medicare/Medicare Advantage may be limited to certain times of the year unless you qualify for a Special Enrollment Period
We do not offer every plan available in your area. Currently, we represent 18 organizations, which offer 52,101 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
We represent Medicare Advantage HMO, PPO and PFFS organizations and stand-alone PDP prescription drug plans that are contracted with Medicare. Enrollment depends on the plan's contract renewal.
Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.
Please contact Medicare.gov ,1-800-MEDICARE , or your local State Health Insurance Program (SHIP) to get information on all of your options.
Medicare has neither approved nor endorsed any information on this site.
Speak with a licensed insurance agent: 1-877-649-2073 / TTY 711 | 8am - 11pm ET | 7 days a week
© 2023 Dog Media Solutions LLC. All rights reserved