Connecticut Health Insurance

It is so important to make sure you and your family always have the medical insurance they need to cover any possible unfortunate incidents. But it isn't always the easiest thing to understand, let alone make an educated decision on. That is why we have put together this guide, to help you get the facts you need and match you with a quality agent who can help you get the care you need.

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Individual Health Care in Connecticut (CT)

If you are searching for health insurance for just yourself, than you can either try to get a group health insurance plan through your place of employment, or you can look into individual health insurance plans which can be provided by private health insurance carriers. The only thing is that individual health plans can deny you coverage based on health conditions whereas group health insurance carriers cannot. Although once you are covered, they cannot deny you for renewal health coverage. Group health plans have a variety of different types of coverage, mainly HMOs, PPOs, POSs and HSAs. You may want to speak to a health care provider before deciding which type of plan is right for you.

Connecticut Health Plans for Families (CT)

The easiest way to get your family covered under a quality health plan is to get an HMO or PPo through your place of employment. If they do not offer group health care options, than you will have to look into an individual health plan. Individual health insurance carriers can deny you coverage based on the health status of each family member, so keep that in mind when you are applying for health care. If you get turned down, try a few different carriers before you get discouraged, as different carriers will turn you down for different reasons.

If you cannot afford health insurance for your family, you may want to see if you qualify for a free or subsidized health insurance coverage such as the Connecticut Medicaid. If you do not qualify for Medicaid, you may still be eligible for free or low cost health insurance through the Healthcare for Uninsured Kids (HUSKY) program.

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Health Insurance Providers in Connecticut (CT)

• Aetna
• Anthem Blue Cross and Blue Shield of Connecticut
• Assurant Health (formerly Fortis)
• Celtic
• Golden Rule
• Guardian
• Health Net
• Oxford

Connecticut Laws and Pre-Existing Health Conditions (CT)

As a Connecticut citizen, you will find that even if you do have a pre-existing condition, you are still able to gain health insurance coverage if you are willing to accept a pre-existing condition provision as part of your policy. However, some individuals may be considered "high risk" for insurance companies and may find that their best option is the Health Reinsurance Association (HRA) of Connecticut, which guarantees coverage for such individuals who are under the age of 65. HRA provides three different plans that individual health providers may offer to you in this case.

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