Connecticut Health InsuranceIndividuals and Families
Connecticut Health Insurance
How to find an affordable plan.
Selecting the right health insurance plan for individuals and families in Connecticut is an important decision. Before you can make that decision, it is best to know what your options are. If you are not covered under you or your spouse’s employer group health insurance plan, an individual health plan is likely your best option. When reviewing health plans from the major providers in Connecticut, it is also important to compare costs, quality, services, and provider networks. If you have a specific doctor that you like or have been going to for years, make sure that doctor participates in the plan you are considering. On the other hand, if you have a pre-existing medical condition or illness, ask the provider how your needs will be met with each different plan type. Health Insurance Online is designed to help you purchase affordable health insurance in Connecticut, by providing you with an accurate health insurance quote from top companies in the state. Understanding your Connecticut health insurance quotes is the key to maximizing your health insurance benefits. When choosing a health insurance company to obtain your policy through, Connecticut residents have many choices.
Leading Connecticut Health Insurance Companies
Health Insurance Types and Key Terminology
When deciding what type of insurance policy best suits you and your family, it's easy to get overwhelmed by all the choices available. Don't become intimidated by these choices. Look at them as additional perks that allow you to design a policy to fit your needs. Here are some of the types of insurance that you'll need to consider:
Major Medical Insurance: Major medical insurance is not like a typical health insurance policy. With major medical, you have the comfort of knowing that you have coverage in the event of a catastrophic illness or accident. Routine care and preventative care are not covered under a major medical policy. Should you need emergency surgery, care or treatment from a sudden and serious illness, infection or accident, you'll be covered. Major medical policies generally have deductibles rather than copayments, and you should read the policy carefully before purchasing it to make sure it covers the events you are most concerned about. Major medical is often favored because it is cheap health insurance in terms of monthly premiums paid.
Deductible: When choosing a major medical policy or even, in some cases, a regular health insurance policy, you may be able to choose one with a deductible. Deductibles are different from copayments, as they are larger and they are considered a minimum out of pocket expense that must be paid by the policyholder before insurance kicks in. If your policy has a deductible, you may be expected to pay anywhere from $500 to $5,000 in out of pocket expenses before billing anything to the insurance company.
Individual coverage: Individual coverage is a comprehensive health insurance company that covers you, as an individual. This policy will cover preventative and routine care and will include either a copayment or deductible. Individual health insurance policies are individually underwritten, so your prior health history along with gender, age and smoking status will determine your premium. If you have dependents, you may be able to get each of your dependents their own policy or cover them under yours as, “riders.”
Group Insurance: Group insurance is a single insurance policy that covers an entire group of people. Group policies are often available through your employer as well as any unions or fraternal groups you are a member of. Group insurance is often more affordable than individual insurance, since you are not underwritten based on your individual health but instead, the probability of the entire group is underwritten. Rates are homogenized (rates are equal for all participants based on their age and gender) and preexisting conditions are not charged an additional premium (as long as the participant has never had a break in coverage). Should you leave your group, you will be able to get COBRA coverage for portability of your policy.
HMO or PPO: Health maintenance organizations (HMO's) and preferred provider organizations (PPO's) are similar, but have one important difference. When you are choosing a group or individual policy, you'll be asked to choose between the two. Both of these options provide the same excellent care and access to doctors and both HMO's and PPO's use networks of physicians, hospitals and clinics that policyholders can visit for medical treatment. HMO's offer policyholders no insurance coverage should they receive treatment from a physician or hospital outside the established network. PPO's will pay for a portion of treatment expenses incurred with physicians or hospitals outside the network, but it will not be the full payment they would offer for visits within the network. Premiums for PPO policies are generally more expensive than the premiums of HMO policies.
Health Savings Account (HSA): HSA's are accounts that hold pretax contributions which can be used to pay copayments, prescriptions costs, and many other approved expenses. You can combine HSA's with insurance policies, major medical policies and group policies. You can also have an HSA with no other insurance, but please note this means you'll be paying all expenses yourself, while utilizing a tax benefit.
Connecticut's State High Risk Pool: Connecticut has a state-subsidized insurance pool for high risk individuals that are considered uninsurable by individual insurers and do not have access to group coverage. There is a premium expected from the high risk pool participants.
Resources and information
Connecticut Medicare Plans
Seniors age 65 and older are eligible for a variety of Medicare plans in Ohio. Medicare plan options include Medigap and Medicare Advantage policies:
Connecticut Doctor Directory
Doctors practicing medicine in the State of Connecticut are licensed by the state. Doctors accept different forms of health insurance which you can verify before setting an appointment.