A non-government entity
ConnectiCare Flex Plan 2 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for ConnectiCare Flex Plan 2 (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 2 (HMO-POS) in 2026, please refer to our full plan details page.
ConnectiCare Flex Plan 2 (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 2 (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 2 (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 2 (HMO-POS), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $119.00. 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 $200.00 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 2 (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 2 (HMO-POS) prescription drug coverage features an annual drug deductible of $200. Select Care Drugs (Tier 6) are available with no copay for up to a three-month supply through standard pharmacies and standard mail order. Preferred generic drugs (Tier 1) have a $1.00 copay for a one-month supply, while generic drugs (Tier 2) require a $10.00 copay. For higher-tier medications, costs are based on coinsurance rather than flat copays. Preferred brand drugs (Tier 3) carry a 25% coinsurance, and non-preferred drugs (Tier 4) require a 28% coinsurance for standard pharmacy and mail order fills. Specialty drugs (Tier 5) are covered with a 30% coinsurance for a one-month supply.
Additional Benefits
The ConnectiCare Flex Plan 2 (HMO-POS) offers comprehensive medical coverage with predictable out-of-pocket costs, featuring no coinsurance for many key services. Members pay a $15 copay for primary care visits and a $35 copay for specialist visits, while preventive care and home health services require no copay. For hospital care, inpatient stays carry a $375 daily copay for the first four days followed by no copay, while outpatient hospital services range from no copay to a $250 copay. Emergency medical needs are covered with a $130 copay, which is waived upon hospital admission, and urgent care carries a $35 copay. Routine hearing and vision exams are available with a $35 copay, though the plan does not cover hearing aids, eyewear, or routine dental care. Additionally, durable medical equipment requires 10% to 20% coinsurance with no copay, and skilled nursing facility stays feature no copay for the first 20 days.
Inpatient Hospital See details
ConnectiCare Flex Plan 2 (HMO-POS) covers inpatient hospital services with no coinsurance, requiring a $375 daily copay for days 1 through 4 of an acute stay (no copay for days 5 and beyond) and a $2,290 copay per psychiatric stay. Prior authorization is required for these covered services, though upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services are covered by ConnectiCare Flex Plan 2 (HMO-POS) with no coinsurance, featuring a $0 to $250 copay for outpatient hospital services and a $250 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 $35 copay and no coinsurance.
Partial Hospitalization See details
Partial hospitalization services are covered by ConnectiCare Flex Plan 2 (HMO-POS) with a $55.00 copay and no coinsurance. Prior authorization is required to receive these services.
Ambulance and Transportation Services See details
ConnectiCare Flex Plan 2 (HMO-POS) partially covers ambulance and transportation services, requiring prior authorization for ambulance services which carry a $300 copay (no coinsurance) for ground transport and a 20% coinsurance (no copay) for air transport. Transportation services to plan-approved or any health-related locations are not covered.
Emergency Services See details
ConnectiCare Flex Plan 2 (HMO-POS) covers emergency services with a $130 copay and no coinsurance, which is waived if you are admitted to the hospital within one day. Urgently needed services are available with a $35 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are covered up to $50,000 with no copay or coinsurance.
Primary Care See details
Primary care benefits under the ConnectiCare Flex Plan 2 (HMO-POS) are partially covered, as podiatry and routine chiropractic services are not covered. Covered services—including primary care visits for a $15 copay and specialist, therapy, and mental health services for a $35 copay—all feature no coinsurance.
Preventive Services See details
Preventive services are partially covered by ConnectiCare Flex Plan 2 (HMO-POS) with no copay and no coinsurance for covered care such as annual physicals, fitness benefits, and health education. However, the plan does not cover in-home safety assessments, PERS, medical nutrition therapy, post-discharge medication reconciliation, re-admission prevention, chemotherapy wigs, weight management programs, alternative therapies, therapeutic massage, adult day health services, nutritional/dietary benefits, home-based palliative care, in-home support, caregiver support, additional tobacco cessation counseling, telemonitoring, home and bathroom safety modifications, and counseling services.
Hearing Services See details
ConnectiCare Flex Plan 2 (HMO-POS) covers one routine hearing exam per year with a $35 copay and no coinsurance. Hearing aid fittings, evaluations, prescription hearing aids, and OTC hearing aids are not covered.
Vision Services See details
Vision Services under the ConnectiCare Flex Plan 2 (HMO-POS) are partially covered, offering one routine eye exam every year with a $35 copay and no coinsurance, while other eye exams are not covered. Eyewear is not covered by this plan, as contact lenses, eyeglass lenses, and frames are all excluded from coverage.
Dental Services See details
ConnectiCare Flex Plan 2 (HMO-POS) dental benefits are partially covered, providing coverage only for Medicare-covered dental services with a $35 copay and no coinsurance. All other dental services, including cleanings, exams, x-rays, restorative services, and orthodontics, are not covered.
Home Infusion bundled Services See details
ConnectiCare Flex Plan 2 (HMO-POS) covers home infusion bundled services with no copay, although prior authorization is required. Associated Medicare Part B drugs, including chemotherapy and insulin, feature a coinsurance ranging from no coinsurance to 20%, with insulin also requiring a $35 copay.
Dialysis Services See details
Dialysis services are covered by the ConnectiCare Flex Plan 2 (HMO-POS) with no copayment and a 20% coinsurance.
Medical Equipment See details
ConnectiCare Flex Plan 2 (HMO-POS) covers medical equipment with no copays across all categories, though coinsurance and prior authorization may apply. Durable medical equipment requires a 10% to 20% coinsurance, while prosthetic devices, medical supplies, and diabetic supplies and shoes carry a 20% coinsurance.
Diagnostic and Radiological Services See details
ConnectiCare Flex Plan 2 (HMO-POS) covers diagnostic and radiological services, with prior authorization required for both. Diagnostic services feature no coinsurance, offering lab services with no copay and diagnostic procedures for a $25 copay, while radiological services require no copay for diagnostic radiology, a $40 copay with coinsurance for X-rays, and a 20% coinsurance for therapeutic radiology.
Home Health Services See details
Home health services are covered under the ConnectiCare Flex Plan 2 (HMO-POS) with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac rehabilitation services are covered by ConnectiCare Flex Plan 2 (HMO-POS) with no copay and no coinsurance, though prior authorization is required. While some services are covered, the plan does not cover cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD).
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by ConnectiCare Flex Plan 2 (HMO-POS) with no coinsurance, featuring no copay for days 1 through 20 and a $214 daily copay for days 21 through 100. Prior authorization is required, no prior three-day hospital stay is needed for admission, and additional days beyond the standard 100-day Medicare limit are not covered.
Other Services See details
Other services are not covered under the ConnectiCare Flex Plan 2 (HMO-POS), meaning acupuncture, over-the-counter (OTC) items, and meal benefits are not available to members.
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