the AGENT connection - Products & Services

CBIA Health Connections 2
Out of Area Coverage

CBIA Health Connections 2 (HC2) carriers offer coverage for your employees who reside in Connecticut and most U.S. states.

For specific plans available, please use the Plan Lookup by Zip tool.

 

Information regarding Massachusetts creditable coverage.

 

ConnectiCare

  • New York counties covered: Orange, Rockland, Westchester, and Putnam
  • Massachusetts counties covered: Hampden, Hampshire, Franklin, and Berkshire

Oxford

Oxford Health Plans offers three solutions for out-of-area coverage. Availability depends on the state and/or county in which an employee lives.

In-Area enrollment through the Oxford Freedom Network of providers:

In addition to Connecticut, members residing in these states and/or counties have access to all Oxford PPO, POS, and HMO products.

Delaware: entire state covered
New Jersey: entire state covered
New York counties covered: Bronx, Dutchess, Kings, Nassau, New York, Orange, Putnam, Queens, Richmond, Rockland, Suffolk, Sullivan, Ulster, and Westchester
Pennsylvania counties covered: Berks, Bucks, Carbon, Chester, Columbia, Dauphin, Delaware, Lackawanna, Lehigh, Luzerne, Montgomery, Northampton, Philadelphia and Schuylkill

In-Area Expanded enrollment through the United Healthcare Network of providers:

Members residing in these states and/or counties have access to Oxford PPO and POS products only. HMO products are not available.

Rhode Island: entire state covered
Massachusettes counties covered: Berkshire, Franklin, Hampden, Hampshire, and Worcester
New York counties covered: All counties not covered through the in-area Oxford Freedom Network (see above)
Pennsylvania counties covered: Monroe, Pike and Wayne

Out-of-Area enrollment through the United Healthcare Network of providers:

Members residing in these states and/or counties have access to Oxford USA products only.

  Alabama
Alaska
Arizona
Arkansas
California
Colorado
Florida
Georgia
Hawaii
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maryland
Massachusetts – all except Berkshire, Franklin, Hampden, Hampshire, and Worcester counties, which are part of Oxford's In-Area Expanded network (see above)
Michigan
Minnesota
Missouri
Nebraska
Nevada
New Hampshire
New Mexico
North Carolina
North Dakota
Ohio
Oregon
Pennsylvania – all except Monroe, Pike and Wayne counties, which are part of Oxford's In-Area Expanded network (see above)
and Berks, Bucks, Carbon, Chester, Columbia, Dauphin, Delaware, Lackawanna, Lehigh, Luzerne, Montgomery, Northampton, Philadelphia and Schuylkill counties which are part of Oxford's In-Area Enrollment (see above)
South Carolina
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin

Oxford USA products are not available in the following states:

  Idaho
Maine
Mississippi Montana
Oklahoma
South Dakota
Wyoming
 

Information Regarding Massachusetts Creditable Coverage:
Status of CBIA Health Connections 2 (HC2) Plans

The Massachusetts Health Connector has reviewed all CBIA Health Connections plans to determine if they meet the Massachusetts minimum creditable coverage (MCC) standard. The POS 30/45-2850 30% plan has not been approved. All other plans are deemed creditable and/or meet the requirements of a creditable plan.*

Any Massachusetts resident enrolled in the CBIA Health Connections program will receive an annual Form 1099-HC from their carrier that reflects their enrollment in a creditable health benefit plan.

Note: Any employer or agent who has already submitted their own application for approval of any CBIA Health Connections plan should contact the Health Connector immediately to cancel review of their individual application. Their plans are approved under CBIA's direct application and don't require further review.

 

*If you have employees who reside in Massachusetts and are considering enrollment in an HSA-compatible plan, additional steps are required of the employer for those plans to remain creditable. Visit the Massachusetts Health Connector website for details. Once there, select the document titled Administrative Bulletin 01-08: Guidance Regarding Minimum Creditable Coverage (MCC) Certification and see page 6. Visit CBIA's HSA page to learn more about HSAs.