Connecticut Health Insurance
We know that shopping for affordable Connecticut health insurance can seem overwhelming. By using InsureMe's free referral service, we can give you up to five quotes to help you shop for affordable Connecticut health insurance.
Some Remarkable Revelations:
- Healthcare costs are growing twice as fast as inflation and are outpacing salary hikes.
- In 2004, one in five working-age adults were without health insurance.
- 42.1 million Americans of all ages were without health insurance in 2004.
With the current trends in healthcare, are there still options available to me?
Yes! The State of Connecticut has taken steps to ensure that their residents are able to buy and keep health insurance. Read on to see what Connecticut health insurance can do for you.
Promising Information about Connecticut Health Insurance:
If you are insured under a group policy (such as one provided by your employer), you cannot be denied or limited coverage because of your health status. This practice is called nondiscrimination.
If you become ill, your Connecticut health insurance cannot be canceled. This practice is called guaranteed renewability. This coverage cannot be canceled unless you neglect to pay your premiums, move out of your coverage area or act unethically toward your Connecticut health insurance company.
The guaranteed issue says that if you are purchasing a group plan for 50 employees or fewer, you cannot be turned down because of your age or health status.
If you leave your job, you may be able to remain on your old group plan for a limited time through state-continued coverage, or COBRA. Your COBRA coverage can last up to 18 months but cannot be renewed. For more information on COBRA requirements, contact the U.S. Department of Labor at (404) 562-2156.
Are insurance companies allowed to turn me down for individual Connecticut health insurance?
Yes. Companies selling individual Connecticut health insurance policies are allowed to turn anyone down for a number of reasons, including past or present health status.
What do I do if I am turned down for individual health insurance?
You may be eligible to buy an individual Connecticut health insurance policy through the Connecticut Health Reinsurance Association (HRA). The HRA is a high risk pool for Connecticut residents between the ages of 19 and 64. For more information on the HRA, call 1-800-842-0004.
My children are currently without Connecticut health insurance. Where should I turn?
You will want to look into programs such as HUSKY (Health for Uninsured Kids and Youth), which offer free health coverage for those who qualify. Call 1-877-284-8759 for more information. For more questions on assisted health care, contact the Connecticut Department of Social Services at 1-800-842-1508.
Are there any tips to follow when shopping for individual Connecticut health insurance?
The Connecticut Department of Insurance encourages the following when shopping for individual Connecticut health insurance:
- Shop carefully.
Different companies offer different prices. You will want to use InsureMe's free referral service to receive and compare quotes for the most affordable Connecticut health insurance. - Make friends with your policy.
Read through your policy to make sure it protects you from major medical costs. You also want to make sure the Connecticut health insurance plan you purchase is right for you. You don't want any unpleasant surprises later. - Get a preview.
Make sure there is a "free look" clause in your Connecticut health insurance policy. You should get at least 10 days to review your policy and determine whether or not you want to keep it. If not, you can reject the policy and your agent will refund your money.
Find the Policy You Need Today!
While you may not be able to predict the future, you can be prepared for it. Submit your information to the right and let InsureMe give you up to five free quotes from agents in your area.
Don't wait. Start saving on your Connecticut health insurance today!
