In Connecticut, the wealthiest state in the United States in income terms, about 10% of its population lacks health insurance. That is, 350,000 individuals do not have health insurance; 64,000 of these uninsured are children. Lacking health insurance has serious consequences: it is typically associated with increased severity of illness, increased costs of health care, reduced worker productivity, and, for children, lower educational attainment. It is challenging but not impossible to find affordable health coverage. VitalOne will provide you with additional information on finding health insurance in Connecticut.
Connecticut Individual Health Insurance
In Connecticut, your ability to buy individual health coverage may depend on your health status. There are certain circumstances, however, when you must be allowed to buy individual health coverage. In general, companies that sell individual health insurance in Connecticut are free to turn you down because of your health status and other factors. When applying for individual coverage, you may be asked questions about health conditions you have now or had in the past. Depending on your health status, insurers might refuse to sell you coverage or offer to sell you a policy that has special limitations on what it covers.If you’re seeking coverage only for yourself, your best option will likely be to try and join group health plan, such as the one often offered through an employee benefits package, or through membership in an organization such as a church or a professional organization. You may be able to buy individual coverage directly from a Conneticut-licensed health carrier. Individual policies can be expensive, and carriers will evaluate an applicant’s health risk factors before making a decision to issue coverage. That means that if you have a serious medical condition, or are predisposed toward a certain condition, a carrier may decline to issue coverage.
Connecticut Group Health Insurance
Your protections will vary somewhat, depending on whether your plan is a fully insured group health plan or a self-insured group health plan. The plan’s benefits information must indicate whether the plan is self-insured. You have to be eligible for the group health plan. For example, your employer may not give health benefits to all employees. Or, your employer may offer an HMO plan that you cannot join because you live outside of the plan’s service area. You cannot be turned away or charged more because of your health status.
Connecticut Family Health Insurance
There are a variety of family health insurance plans. It is very important that you balance the cost of coverage with the medical care your family needs. You may want to take less risk with your family health insurance than you would with your own. A comprehensive family health insurance plan that covers prescriptions and regular doctor visits may end up being more affordable in the long run, especially if you have a large family. Indemnity plans come with lower family health insurance premiums, but only cover catastrophic medical costs; most preventative care must be paid out-of-pocket.
Connecticut Short Term Health Insurance
Temporary circumstances don’t need to leave you or your family uninsured. With short term health insurance, you will be protected if a medical emergency strikes. Cheap short term health insurance is similar to standard health insurance, except that temporary health insurance can last anywhere from thirty days to one year. A short term health insurance plan may be for you if there is a short gap in your insurance. For example, if you lost your job and have begun searching for new employment with health insurance benefits, affordable temporary health insurance can help bridge the gap.
Connecticut Student Health Insurance
Use of the university student health center in Connecticut is included in your tuition, but the center only offers basic health care. On the other hand, affordable student health insurance also covers visits to primary care physicians, specialists, and diagnostic centers, and hospitalizations. Without that coverage, the cost of your medical care will come out of your (or your parents’ pocket).
