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Health insurance protects you and your family from expensive out-of-pocket medical costs that can accumulate during an extended illness or hospital visit. Many companies offer basic medical insurance to employees. If your employer provides health insurance under a group policy, this will generally be the cheapest medical insurance option available to you. If you are unemployed, self-employed or if your employer does not provide medical coverage you can usually purchase it independently through an insurance agent or broker. Health insurance is expensive whether provided by your employer or purchased independently. It is important to select a coverage that best fits your budget, age, family needs and lifestyle.

There are two basic categories of medical insurance known commonly as indemnity or managed-care plans (HMO or PPO). The main differences between the two are evident in how you select a provider, how out of pocket costs are handled and how your medical bills get paid. Under an indemnity policy, you choose the doctor or hospital when seeking services. Under a managed-care plan, you select a primary care physician who treats and directs all health care for you or you are given a list of preferred providers from which you can chose. Under indemnity plans, you often to pay upfront and are reimbursed after a deductible is applied. Under a managed care plan, providers agree to perform services for patients at pre-negotiated rates and usually the provider handles the claims processing for you.

Generally you should opt for your employer provided healthcare if available. It is usually the lowest cost option. The second most affordable option is often an employer provided Consolidated Omnibus Budget Reconciliation Act (COBRA) plan. If you are not eligible for COBRA or your COBRA option has expired, your old coverage did not expire due to non-payment and you have had 18 months of continuous group health coverage under an employer group health plan, then you are generally considered “Federally Eligible” for a Health Insurance Portability and Accountability Act (HIPAA) plan. If you are not Federally Eligible than you can still get coverage, but insurers may impose a waiting period for coverage and coverage of pre-existing conditions. Be sure to check whether your employer offers a flexible spending account. FSAs, allow you to set aside pretax dollars for medical expenses and childcare. This is a good way to reduce your out-of-pocket medical costs.

The state of Connecticut offers several healthcare assistance programs under the Department of Social Services. The Charter Oak Health Plan provides affordable health care coverage to Connecticut residents aged 19 to 64 regardless of income. The benefit features and coverage amounts vary depending on income, but this can be a great program for state residents who don't have coverage through their employer. The state also provides the HUSKY (Healthcare for UninSured Kids and Youth) program for resident children under the age of 19 regardless of family income. Family size and income determine which part of the HUSKY Plan features and coverages apply. The CHCPE (Connecticut Home Care Program for Elders) program assist the elderly in living at home instead of entering a nursing facility. To be eligible, individuals must reside in Connecticut, must be at least 65 years old, must be at risk of requiring a nursing home and must meet certain financial eligibility criteria. Be sure to talk with your agent about eligibility requirements and coverage of each of these and other state-sponsored programs.

We service customers from Bridgeport, New Haven, Hartford, Stamford, Waterbury, Norwalk, Danbury, New Britain, CT and other great cities in The Constitution State helping them find low cost health insurance from top rated insurance companies. Connecticut health insurance premiums vary amongst insurers and plans. To help lower your premiums, compare multiple quotes at least annually. We make the process simple.