VERMONT HEALTH INSURANCE
Vermont has several health insurance plans for uninsured Vermonters. The information below is provided for your convenience. The Department of Health does not administer these health insurance programs.
GREEN MOUNTAIN CARE
Green Mountain Care is a family of health insurance plans offered by the State of Vermont and it’s partners. Green Mountain Care includes plans such as Cat amount Health, Vermont Health Access Plan (VHAP), Dr. Dynasaur, Medicaid, and a number of pharmacy assistance and premium assistance programs.
Vermont’s Long-Term Care Medicaid Program — helps eligible Vermonters pay for long-term care services in the setting of their choice.
Vermont has several Prescription Assistance programs to help uninsured Vermonters and those enrolled in Medicare pay for prescription medicines based on income, disability status and age.
VERMONT HEALTH PLANS
An Individual and Family Health Plan in Vermont
A new Vermont private health insurance plan may be right for you if:
You are self employed
Your employer does not offer a group plan
You are enrolled in a group plan, but it does not cover spouses or dependents
You are enrolled in a health plan, but the premiums are too high
You are enrolled in a health plan, but your benefits needs have changed
Affordable VT Individual & Family Medical Insurance
If both you and your spouse or domestic partner are looking for a new health insurance plan, we recommend that you look up health insurance quotes both together and separately to find the plan that is most affordable for you.
Depending on the health insurance company, Vermont individual and family health insurance rates for couples can be based on the age of the youngest person on the policy. Some couples with an age difference of several years may find they save money by applying for the same plan rather than individually. Couples that are only a few years apart might be able to reduce their total costs by applying for separate health insurance plans. If you decide to apply for a health insurance plan as a couple, make sure the plan you choose covers the benefits both of you need.
Dependency Rules in Vermont
Federal Health reform law states that after September 23, 2010, children are allowed to stay on their parents’ insurance plan until age 26, whether or not they are enrolled in school. Certain states may have additional rules determining dependency eligibility. Check with the Vermont State Department of Insurance or your parents’ insurance carrier.
Vermont College / University Coverage Requirements
Some Vermont colleges and universities may require that students to have some form of health insurance coverage. You should check with the admissions office to determine if health insurance coverage is required.
Benefits / Advantages of Student Plan
Some benefits of a student plan include:
You’re covered all year, not just during the school year.
You’re covered no matter where you go. School-sponsored plans might only cover you within the state where you go to school. If you are on your parent’s health insurance plan and move out of state, you could run into the same issue.
If you transfer schools, you plan moves with you. This might not be the case for school-sponsored health plans.