See how far
your coverage can go
Our plans give you real benefits, real providers and options that fit real life.
Plan Preview begins on Oct. 15
Find your right fit
Not all plans are built the same and that’s a good thing. Health insurance plans come in “metal levels”: Gold, Silver, Bronze, Platinum and Catastrophic — each offering a different balance of monthly cost and coverage. Whether you use a lot of care or just want protection for the unexpected, there’s a plan designed to fit your needs and your budget.
Gold Plan
If you ...
- go to the doctor a lot
- have ongoing health conditions
- want higher monthly payments and lower out-of-pocket costs
Silver Plan
If you ...
- visit your doctor regularly
- have a planned medical expense like a pregnancy or surgery
Bronze Plan
If you ...
- are in good overall health
- primarily visit your doctor for preventive checkups and screenings
Platinum Plan
If you ...
- need ongoing medical care
- have a medical condition and know you'll need care
- have an active family with children who play sports
Catastrophic Plan
If you ...
- are under 30 years old
- don't generally need care
- are comfortable with high deductibles
See how our non-HSA plans break down
For details on our Catastrophic and HSA plans, call (855) 624-6463.
| Gold | Silver | Bronze | Platinum | |
| Deductible | $1,500 - $2,500 | $3,500 - $4,200 | $7,500 - $9,000 | $500 |
| Monthly Payment | $$$ | $$ | $ | $$$$ |
| Primary Care | $25 | $25 - $40 | $25 - $50 | $20 |
| Mental Health | $25 | $25 - $40 | $25 - $50 | $20 |
| Urgent Care via Virtual Care | $0 | $0 | $0 | $0 |
| Urgent Care | $40 | $35 - $75 | $50 - $95 | $25 |
| Specialists | $50 | $60 - $80 | $80 - $80 after deductible | $40 |
| PT/OT/ST and Chiropractic Care | $30 | $40 - $45 | $45 - $60 | $30 |
| Generic Drugs | $5 - $25 | $5 - $35 | $5 - $30 | $0 |
| Brand Name Drugs | $50+ | $50+ | $50+ after deductible | $15+ |
Let's get started
I'd like to check for
financial assistance
See if you qualify for tax credits or other savings that can lower your monthly health insurance costs.
I want to talk to
an advisor
Get personalized guidance from an expert who can help you find the right health plan for your needs.
I'm ready to
shop for a plan
Start comparing health plans designed for you — view options and choose your coverage.
Choosing your plan
Learn the common health insurance lingo
Your crash course in common vocabulary and phrases in your health insurance.
HMO vs PPO: What's the difference?
Understand some of the basic differences between HMO and PPO plan types.
What are health insurance metal levels?
See how health plans are divided into: Bronze, Silver, Gold or Platinum.
4 things to know when picking a plan
Learn about how to estimate what you’ll need and how to tally how much you’ll pay.
Benefits & coverage
See what's included in a preventive visit
Learn more about the top things you'll do at your next appointment.
Get what you pay for: care you trust
See the different ways to access our network of 48,000+ providers.
10 ways to save on your healthcare
Here are some tips to help you get the best value out of your coverage.
Nutritional therapy for healthy habits
Many of our plans offer time with a dietician to help you stay on track.
Health insurance is confusing.
We're here to help.
Questions? We have answers.
The ACA marketplace, sometimes called the exchange or the Health Insurance Marketplace, is where you can buy health insurance plans for yourself and/or your family. Created by the Affordable Care Act (ACA), and often called Obamacare, it is designed to allow people to more easily compare plans, find out if they qualify for subsidies or Medicaid, and enroll in coverage.
Maine’s marketplace is called CoverME.gov. Marketplace plans are grouped into “metal levels:” Bronze, Silver, Gold and Platinum, which offer different levels of coverage based on your monthly premium and out-of-pocket costs.
Are you a Small Business? You can determine your eligibility to purchase a SHOP plan at CoverME.gov- we are the only carrier in Maine that offers tax credited health insurance coverage for your employees. You can purchase SHOP plans through our store front.
CoverME.gov is Maine's Health Insurance Marketplace. It is where people and small businesses in Maine can shop and buy health plans, along with finding out whether they qualify for MaineCare or financial assistance. Individuals and families can purchase a plan during annual Open Enrollment, Nov.1 through Dec. 15, or when they qualify for a Special Enrollment Period.
About 85% of enrollees qualify for financial savings. Depending on household income, household size and other factors, you could be eligible for:
- Premium tax credits to lower monthly payments
- Other savings to reduce costs when you get care
Our Member Services team is available to answer any questions and find the right plan for your unique needs: (855) 624-6463.
Being an Individual or Group Member depends on how you get your plan:
- Individual Members buy their health insurance for themselves and/or their family on CoverME.gov, through a health insurance website or through a broker, and pay a monthly premium to Community Health Options. This is common for people who are self-employed, freelancers, contractors or who do not have health insurance offered at work.
- Group Members get their health insurance coverage at work from a plan offered by their employer. They may pay for a portion of their premium through a payroll deduction. For details about their plan, Group Members should contact their HR administrator or view their Member portal.
You can only change which health plan you have during specific times:
- Open Enrollment Period: This is the main time each year when you can sign up for or change your health plan. If you’re buying it on your own, you’ll have to sign up once a year, usually beginning in November (Nov. 15-Dec. 15 in Maine). Open Enrollment can vary from state to state.
If you get your insurance at work, your employer will generally schedule a specific open enrollment period.
- Special Enrollment Period (SEP): When your life changes—like starting a new job, having a baby, getting married or divorced, losing other health coverage or moving to a new area, that’s called a “qualifying life event.” In those cases, you can change your insurance or buy a new plan, whether you buy insurance on your own or get it at work.
If you experience a qualifying life event, like getting married/divorced, having a baby, losing other health coverage, or moving to a new area, you may be eligible to change or buy a new plan outside Open Enrollment. This is known as a Special Enrollment Period (SEP).
Individual Members can call our Member Services team at (855) 624-6463 for help with your application, call your broker, or visit CoverME.gov if that’s where you bought your plan.
Group Members should contact their employer’s HR administrator for more information on making changes to your plan.
To view our current coverage options, visit the Explore Plans page to get started. If you are looking for an Individual or Family plan and want to find out if you qualify for financial assistance, visit CoverME.gov and search for Community Health Options to see our plans. Our Member Services team is always here to answer any questions at (855) 624-6463.
For Group Members, please contact your employer’s HR administrator for details on your specific plan option.