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Connecticut health insurance
Health insurance is an essential part of everybody’s life. This is especially relevant now because of the rising costs of healthcare in the country. If you are a resident of Connecticut and are looking for a health insurance plan, read on. We will provide you with details on all your options in the field of health insurance.
Individual health insurance in Connecticut
If you are looking for health insurance as an individual, you should expect to pay more for it than you would have as part of a group plan. This is because individual and family plans tend to cost more than group plans. Also, the prices of purchasing a health plan in Connecticut have increased by 77% in the last 6 years. When you are looking for a health insurance plan, you have an option between HMOs, PPOs and POS type of plans. The type of plan you select will of course depend on the benefits provided, the deductibles charged and other aspects like co insurance, co payments and premiums.
Groups and small business insurance in Connecticut
Medical underwriting is legally allowed in the state. The rates depend on the indexed rate provided by the age, gender and other factors like the location and size of the group. The pre existing period look back is allowed for a period of 6 months and the carrier may impose an exclusionary period of 12 months on your health condition.
High risk pool in Connecticut
If you are unable to secure either group or individual health insurance because of your health or other factors, you might take a look at the high risk pool health plans offered under Connecticut health reinsurance association (HRA). However, there are certain health criteria you have to fulfill before you can avail of these plans.
Coverage under COBRA
Laws under the Consolidated Omnibus Budget Reconciliation Act of 1985 apply in the state of Connecticut. According to this law, a company employing more than 20 people is obligated by law to continue covers for an employee who, for some reason, is no longer employed with the company. The covers also have to be extended to his family.
Connecticut Medicaid plans
Medicaid plans are also offered in the state of Connecticut. Under this state and federal sponsored program, health plans are offered to people who have a low income, are pregnant, disabled or residents of nursing homes. Some of the people receiving Medicare are also eligible for this program. Plans are offered to these individuals, always providing that they meet certain income requirements.
Connecticut also offers the Husky Plans – it is a children’s health insurance program. Under this program, health insurance is provided to children below the age of 19.
Easy Quotes from the Top Connecticut Health Insurance Carriers
Our service is the best way for you to secure the most suitable Connecticut health insurance quote for yourself. You will get quotes on health insurance from the top health insurance carriers. This includes- American Medical Security, American Family Insurance, Anthem Blue Cross Blue Shield, Assurant Health, Fairmont Specialty Group, Celtic, Midwest Security, Golden Rule, Security Life and UNICARE and many more.
An easy, fast and free way to find Connecticut Health Insurance
Our process is quick, easy and free. The only thing you have to do is to fill in a simple form with your information. The information will be kept confidential and will be used only to provide you with medical insurance quotes. As soon as you complete this form, you will receive instantaneous quotes from the top carriers. If you want, you can buy the plans online also. We will also put you in touch with licensed local agents in your area who will assist you in every way before you can purchase a plan.
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