Connecticut



 

About Health Insurance in Connecticut

Connecticut residents have an advantage in working with East Coast Health Insurance for their individual health care, as we have offices located in Vernon, Connecticut.  Since we are local, we can provide you with the most up-to-date knowledge and assistance when choosing your method of care. Our Connecticut companies include Aetna, Cigna, Connecticare, United Health Care, and Blue Cross Blue Shield of Connecticut.

In Connecticut, we like all of these companies and that is because they are all so competitive with each other.  They are like cannibalizing gladiators.  At any particular moment any of the carriers above can have the best pricing.  In the past, Connecticare and Blue Cross had the best pricing, but now United, Aetna and Humana have become competitive.  Obviously, there are other carriers in the state such as Celtic and IHC, but we just don’t need them as they tend to cost more.  They will appear in our quote engine though and you should run a Connecticut health insurance quote now to see which company offers you the most coverage at the best pricing.

Statistics

  • Total Population: 3,485,100
  • Total Uninsured Population: 385,600 (16%)
  • Typical Cost of Inpatient Hospital Visit Per Day: $2,154
  • Average State Premium for Individual Health Insurance: $306

Information provided by Kaiser Family Foundation, 2010.

Choosing a Plan in Connecticut

East Coast Health Insurance simplifies the process of getting a quote. Start by entering your zip code above, or for extra assistance you can speak with one of our experts on the great state of Connecticut to find the best rates for you over the phone at 888-803-5917.

Connecticut Health Insurance Market & Laws

Connecticut health regulations are like other states, including the guaranteed renewability provision. With this law in place, any policy-holder who pays their premiums with no violations can renew their previous plan.

Pre-existing condition exclusions in Connecticut are given at the discretion of health insurance companies. In Connecticut, any illness you have received treatment for within 12 months before your plan starts is considered a pre-existing condition. If you change health insurance companies, you can get continuous coverage by using a credit from your old plan to pay for an exclusion period. On your previous plan, if there were no breaks in coverage and you met your premiums, you qualify to use that coverage towards your pre-existing condition treatment while the insurance company is not covering it.

Insurance companies in Connecticut have lenient rules when it comes to denying you coverage or charging you more based on your health. All insurance companies in the state are legally permitted to decline you a plan. Not to worry, there are public health policies in place to help all uninsured Americans. Insurance companies are also allowed to set their own prices, so the cost will vary based on your health status and age.

The state of Connecticut also offers conversion plans to those who experience a break in group coverage. These are temporary plans that provide basic coverage on medical care, which is a good solution in the short-term.

Coverage

For individuals who live in Connecticut, health insurance is required to cover the following medical expenses:

  • Breast, colorectal, and prostate cancer screenings
  • Immunizations for children
  • Hearing aids for children
  • Same coverage for physical and mental health care
  • Care for diabetes-related illnesses

For more information on Connecticut health insurance laws, visit the Connecticut Insurance Department site.

Connecticut Public Health Programs

Medicaid for Low-Income Adults (MLIA)

Connecticut is the first state to receive federal approval to expand Medicaid under the Affordable Care Act (national health care reform legislation). This new Medicaid coverage is replacing the State-Administered General Assistance (SAGA) medical program. MLIA is open to Connecticut residents aged 19 through 64, who do not receive federal Supplemental Security Income or Medicare and who are not pregnant.

Application:
The application for the Medicaid for Low-Income Adults program is actually a combined application with other State of Connecticut health coverage programs.  If you are not eligible for the Medicaid for Low-Income Adults program, you may be eligible for another of our medical programs.  So to apply for all Connecticut programs using the Connecitcut Charter Oak Health Plan – Medicaid – PCIP Application

HUSKY

Connecticut children and their parents or a relative caregiver; and pregnant women may be eligible for HUSKY A (also known as Medicaid), depending on family income. Uninsured children under age 19 in higher-income households may be eligible for HUSKY B (also known as the Children’s Health Insurance Program).  Depending on specific income level, family cost-sharing applies.Connecticut residents aged 65 or older, or who are aged 18 through 64 and who are blind, or who have another disability, may qualify for coverage under HUSKY C (also known as Medicaid for the Aged/Blind/Disabled, or Title 19).  Connecticut residents aged 19 through 64, who do not qualify for HUSKY A; who do not receive federal Supplemental Security Income or Medicare; and who are not pregnant, may qualify for HUSKY D (also known as Medicaid for Low-Income Adults).

Apply now and download our Connecticut Husky Application.

Charter Oak Program and the High Risk Plan in Connecticut

The Charter Oak Health Plan offers a health benefits package to uninsured adults of all incomes — from young people just out of school to early retirees. Charter Oak offers a full range of coverage, including preventive care, emergency room and hospital visits, primary care and specialist physicians, pharmacy, behavioral health services and prescription medications.  This is the Connecticut version of a high risk pool and in fact the program is linked to the federal PCIP program and shares the same application.

Apply now for the Charter Oak Health Plan Application

Connecticut’s Pre-existing Condition Insurance Plan now offers a comprehensive health benefits package at limited out-of-pocket cost to you.  Federal subsidies to lower your costs are provided through the Patient Protection and Affordable Care Act (national health care reform).Health coverage is complicated, as we all know, but there are two basic things to point out up-front about the Connecticut Pre-Existing Condition Insurance Plan.  First, it’s open to Connecticut residents who have qualified, diagnosed medical conditions.  Second, you have to be uninsured for six months before you’re eligible.
Remember, if you’re not eligible for the Connecticut Pre-existing Condition Insurance Program, you may be eligible for other programs, such as the Charter Oak Health Plan, which also covers Connecticut residents with or without pre-existing conditions.

The Connecticut PCIP program has changed its premium rate to attract new members to $381 per member per month. Now, everyone, regardless of age, will pay this single flat rate – effective September 1, 2011.

Connecticut’s Pre-Existing Condition Insurance Plan (previously referred to as a temporary high-risk pool program) will be operated by the Health Reinsurance Association under contract with the Department of Social Services, administering state agency.  Medical benefits are coordinated through the UnitedHealthcare provider network.

 

Sources:

1.Kaiser Family Foundation, “Connecticut – State Health Facts”. www.statehealthfacts.org

2. Health Insurance In-Depth, “Health Insurance Regulations State-by-State”. www.healthinsuranceindepth.com

3. Connecticut Department of Social Services, “Husky & Medicaid”, http://www.ct.gov/dss/cwp/view.asp?a=2353&q=490478