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ConnectiCare Choice Plan 3 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for ConnectiCare Choice 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 Choice Plan 3 (HMO-POS) in 2026, please refer to our full plan details page.
ConnectiCare Choice 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 Choice 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 Choice 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 Choice Plan 3 (HMO-POS), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $0.00. 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 $225.00 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 $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 $0.00 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:
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Drug Coverage
The ConnectiCare Choice Plan 3 (HMO-POS) features an annual drug deductible of $225. Under this plan, Tier 6 Select Care Drugs are covered with no copay for standard retail and mail-order prescriptions. Tier 1 Preferred Generics cost a $1.00 copay for a one-month supply, while Tier 2 Generics carry a $15.00 copay. Higher-tier medications are subject to coinsurance at standard pharmacies and through mail order. Tier 3 Preferred Brands require a 25% coinsurance, and Tier 4 Non-Preferred Drugs require a 27% coinsurance. Tier 5 Specialty Drugs are covered with a 30% coinsurance for a one-month supply.
Additional Benefits
The ConnectiCare Choice Plan 3 (HMO-POS) offers comprehensive medical coverage with no copays or coinsurance for primary care visits, preventive services, and home health care. Specialist visits, urgent care, and routine vision or hearing exams require a $45 copay, while emergency room visits carry a $130 copay. For inpatient hospital stays, there is no coinsurance, but members pay a $450 daily copay for days one through five and no copay for days six and beyond. Additionally, the plan features preventive dental care with no copay and a $200 annual allowance for eyewear with no copay or coinsurance. Members also receive a monthly $20 over-the-counter benefit with no copay, while durable medical equipment and comprehensive dental services are subject to coinsurance. This plan provides a balanced mix of low-cost routine services and structured cost-sharing for major medical needs.
Inpatient Hospital See details
Inpatient hospital care is partially covered by ConnectiCare Choice Plan 3 (HMO-POS) with no coinsurance, requiring prior authorization for both acute and psychiatric stays. Acute stays require a $450 daily copay for days 1 to 5 and no copay for days 6 and beyond, while psychiatric stays require a $2,036 copay per stay. Upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services under ConnectiCare Choice Plan 3 (HMO-POS) are covered with no coinsurance, featuring a copay of $0 to $280 for outpatient hospital services and a $350 copay per stay for observation services. Ambulatory surgical center and outpatient blood services require no copay and no coinsurance, while outpatient substance abuse sessions have a $40 copay and no coinsurance.
Partial Hospitalization See details
Partial hospitalization services are covered by ConnectiCare Choice Plan 3 (HMO-POS) with a $55.00 copay and no coinsurance. Prior authorization is required to access this benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services are offered by ConnectiCare Choice Plan 3 (HMO-POS), featuring ground ambulance services for a $295 copay and no coinsurance, and air ambulance services for a 20% coinsurance and no copay. Prior authorization is required for ambulance services, while plan-approved and health-related transportation services are not covered.
Emergency Services See details
ConnectiCare Choice 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 $45 copay and no coinsurance, while worldwide emergency, urgent, and transportation services feature no copay or coinsurance up to a $50,000 maximum benefit.
Primary Care See details
ConnectiCare Choice Plan 3 (HMO-POS) offers primary care physician services with no copay and no coinsurance, and specialist visits with a $45 copay and no coinsurance. Other services like therapy and mental health have copays ranging from $40 to $45 with no coinsurance, while podiatry is not covered, and chiropractic care covers some services but routine and other chiropractic services are not covered.
Preventive Services See details
ConnectiCare Choice Plan 3 (HMO-POS) covers preventive services with no copay and no coinsurance, including annual physical exams, kidney disease education, and fitness benefits. This benefit is partially covered, as specific supplemental services like in-home safety assessments, medical nutrition therapy, and weight management programs are not covered.
Hearing Services See details
Hearing services under ConnectiCare Choice Plan 3 (HMO-POS) cover one routine hearing exam annually with a $45 copay, no coinsurance, and no deductible. Hearing aid fittings, evaluations, over-the-counter (OTC) hearing aids, and prescription hearing aids—including inner ear, outer ear, and over-the-ear types—are not covered.
Vision Services See details
ConnectiCare Choice Plan 3 (HMO-POS) offers partially covered vision services, which include one routine annual eye exam for a $45 copay and no coinsurance, while other eye exam services are not covered. Eyewear is covered with no copay and no coinsurance up to a $200 yearly limit for contacts and eyeglasses, though upgrades are not covered.
Dental Services See details
ConnectiCare Choice Plan 3 (HMO-POS) offers partially covered dental services, featuring a $45 copay and no coinsurance for Medicare-covered dental, and no copay or coinsurance for preventive care like cleanings and exams. Comprehensive services are subject to a deductible, a $2,000 annual maximum, and coinsurance ranging from 20% to 50% with no copay, though maxillofacial prosthetics, implant services, fixed prosthodontics, and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by ConnectiCare Choice Plan 3 (HMO-POS) with no copay, subject to prior authorization. Medicare Part B drugs, including chemotherapy and insulin, carry a coinsurance ranging from no coinsurance to 20%, with insulin specifically requiring a $35 copay.
Dialysis Services See details
Dialysis services are covered by the ConnectiCare Choice Plan 3 (HMO-POS) with no copay and a 20% coinsurance.
Medical Equipment See details
ConnectiCare Choice Plan 3 (HMO-POS) covers medical equipment, including durable medical equipment (DME), prosthetics, medical supplies, and diabetic equipment, with no copays. Members are responsible for a 10% to 20% coinsurance for DME, and a 20% coinsurance for prosthetics, medical supplies, and diabetic equipment, with prior authorization required for some services.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered under the ConnectiCare Choice Plan 3 (HMO-POS), with prior authorization required for all services. Lab services and diagnostic radiological services have no copay and no coinsurance, diagnostic procedures require a $45 copay with no coinsurance, outpatient x-rays require a $45 copay and coinsurance, and therapeutic radiological services carry a 20% coinsurance with no copay.
Home Health Services See details
Home health services are covered under the ConnectiCare Choice Plan 3 (HMO-POS) with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
ConnectiCare Choice Plan 3 (HMO-POS) covers Cardiac Rehabilitation Services with no copay and no coinsurance, though prior authorization is required. While some services are covered, standard cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled nursing facility (SNF) services are partially covered by ConnectiCare Choice Plan 3 (HMO-POS), as additional days beyond the Medicare-covered limit are not covered. Covered stays require prior authorization but no coinsurance, featuring no copay for days 1 through 20, a $214 daily copay for days 21 through 100, and no required prior three-day hospital stay.
Other Services See details
ConnectiCare Choice Plan 3 (HMO-POS) provides partial coverage for other services, featuring an over-the-counter (OTC) benefit of up to $20 per month with no copay and no coinsurance. Acupuncture, meal benefits, and other additional services are not covered under this plan.
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