Process for Contingent Workers to Apply for Health Insurance With MA Health Connector

Contingent workers are eligible to enroll in health insurance through the MA Health Connector if they are residents of Massachusetts. The ACA (Affordable Care Act) Notice is provided to all employees upon hire. This notice provides information on enrolling in health insurance through the MA Health Connector.  A glossary of terms is provided for your assistance.

 

Glossary of terms

Deductible- A fixed dollar amount you must pay each calendar year before your health plan begins paying benefits for you or your covered dependents. Many services are not subject to a deductible, meaning that insurance will cover those expenses immediately. Examples of expenses that are generally exempt from the deductible are: Prescription drugs; Office visits (primary care physician, specialists, preventive care); and Mental health. Other services may also be exempt from a deductible, so you should consult your insurance provider for a full list.

Annual out of pocket max-This is the maximum amount of money that you will have to pay out-of-pocket, taking into consideration your deductible, co-pay, and co-insurance.

Co-Pay- The amount of money that you will pay, in addition to your monthly insurance payment, in order to visit a doctor.

Generic Rx- The amount of money that you will pay, in addition to your monthly insurance payment, for most medication.

Emergency Room- The amount of money that you will pay, in addition to your monthly insurance payment, if you are taken to the emergency room.

Hospital Stay- The amount of money that you will pay, in addition to your monthly insurance payment, if you are admitted to the hospital.