Community Health Choice exists so everyone can get the quality care they need to live the long happy life they deserve. That’s why we don’t stop at offering health plans. We give all of our Members assistance with lowering health insurance costs through tax credits and other discounts, and we make it easy for Members to pay their premiums.
As a Community Health Choice Member, you know that you are getting the very best service that any health plan can offer.
Thank you for choosing Community Health Choice as your health insurance provider! Our goal is to make it easy and hassle-free to get the care you need.
Community is excited to offer you the chance to talk to a doctor within minutes by phone — at no cost to you. Learn all about our Telehealth services.
My Member Account makes it easy to manage your health plan. From learning about your healthcare benefits to printing a temporary Member ID card, your account is available 24/7.
We make it easy to find what you need by specialty, by plan, and by location.
Search for doctors, pharmacies, hospitals, urgent care centers, and other Providers who are in-network for our healthcare plans.
The Advanced Premium Tax Credit (APTC) is a tax credit to lower your monthly health insurance premium. When you enroll, you will estimate your expected income for the year. If you qualify for a premium tax credit based on your estimate, you can use that amount to lower your premium. To keep the credit, you must send proof of your estimated income within 30 days.
A Cost Share Reduction (CSR) is a discount that lowers the amount you have to pay for deductibles, copayments, and coinsurance. This equals extra savings for you.
If you qualify for cost sharing reductions, you also have a lower out-of-pocket maximum, which is the most you have to pay for covered medical expenses per year before insurance pays 100%. The amount of extra savings you receive depends on your income. The lower your income, the higher your extra savings may be.
As a Member, you have multiple ways to make a premium payment:
If you do not pay your premium on time, it’s considered late, and you enter a grace period. During that time you will still be covered, but you will have a late payment.
Watch a video or view an info-graphic to see how long the grace period is and what benefits you risk losing if you don’t make your payment before the grace period ends.
With our new Wellness Incentive Program through Community Rewards, we offer Members a 10% premium incentive for completing their health questionnaire, via their My Member Account. Once you take the health questionnaire, the 10% savings will be applied.
All of our plans cover certain preventive medical services free of charge, meaning you won’t pay a copay even if you haven’t met your deductible. These services include vaccinations, well-woman visits, certain cancer screenings, alcohol and tobacco screenings and counseling, and much more. Visit the Preventive Care Benefits site to see what’s available to you for free.
Medications can get expensive and confusing if you are prescribed several drugs.
We’ve teamed up with Postal Prescription Services to help you to get the right prescription drugs at the right time for the lowest cost.
Visit their site and check out their disease-specific resources.
We’re here to help!
Visit our list of Frequently Asked Questions for answers for everything from basic health insurance terms to information about in-network and out-of-network doctors, and from deductibles and how to make payments to complicated healthcare laws.
Answers will vary for On-Exchange and Off-Exchange Members, so make sure to select the correct category. If you enrolled through healthcare.gov and/or you receive a subsidy, you have an On-Exchange health plan. If you signed up for a health plan with a broker, agent or web broker who did NOT enroll you via healthcare.gov, you have an Off-Exchange health plan.