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Massachusetts Health Insurance Coverage
As of February 1, 2007, close to 45,000 individuals are currently enrolled in Commonwealth Care's - Plan types 1, 2, 3 and 4 in Massachusetts.
Commonwealth Care is a subsidized health insurance program for individuals who meet certain eligibility requirements and whose income is below 300 percent of the Federal Poverty Level.
Members receive health insurance benefits which include: doctor office visits, inpatient hospital care, pharmacy benefits, mental health and substance abuse services, and vision. Members in Plan Type 1 also receive dental care. There is no monthly premium for Plan Type 1, and members in Plan Types 2, 3 and 4 have sliding premiums based on income. All members must pay a fee (co-payment) for some benefits.
The Commonwealth Care Health Insurance Program (Commonwealth Care) is a program run by the Commonwealth Health Insurance Connector Authority (the Connector). This program connects eligible Massachusetts residents with approved health insurance plans and helps them pay for the plans.
The Connector helps Commonwealth Care members join a health plan and find providers that meet their needs. A health plan works together with a certain group of providers, hospitals, and other health care professionals to provide specific health-care services.
Commonwealth Care pays the total cost of health insurance for qualified individuals who have income at or below the federal poverty level and helps pay for the cost of insurance for other qualified individuals.
Who is eligible for the insurance?
You would be an eligible individual for Commonwealth Care if:
- your family's income before taxes is at or below 300% of the federal poverty level;
- you are uninsured;
- you are a U.S. citizen/national, qualified alien, or alien with special status; and
- you are aged 19 or older (eligible persons under age 19 receive benefits though MassHealth).
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