Connecticut Individual Health Insurance
One of the most heated debates in recent years has been about the affordability and the availability of health insurance. It’s an unfortunate fact that one out of seven Americans is uninsured; those who are covered are often financially strapped. But with the rising costs of medical care, affordable Connecticut individual health insurance has become a necessity. Happily, IndividualHealthInsurance.org is ready to connect you to the top health insurance providers in your area who can offer you reasonable health insurance quotes for free and with no obligation to purchase. Let’s face it, having a good policy to cover routine and emergency medical expenses can keep you from losing all of your savings and/or your retirement account. Additionally, many states have extended coverage to include disability and long-term care.
It’s important for you to be well-informed about the regulations of Connecticut health insurance. Additional information will be provided here about COBRA or the Consolidated Omnibus Budget Reconciliation Act of 1986. This act basically is a plan which allows displaced workers the ability to retain health coverage for themselves and/or their families for a specified amount of time- often at their own expense.
All the information you need to make a knowledgeable choice for the Connecticut health insurance policy that best fits your personal situation will be found in this article. Once you have read through this information, IndividualHealthInsurance.org will connect you to health insurance providers in your area who will provide you with free health insurance quotes that will match your needs.
Connecticut Individual Health Insurance
When you apply for individual insurance in Connecticut, there are no guarantees. Individual health insurance policies are medically underwritten which simply means that the insurance company takes your current health condition and your health history into consideration before making the decision on whether or not to insure you. When filling out an application for individual health insurance you will be asked questions related to your current lifestyle as it applies to your health (smoking and alcohol consumption habits, for example) as well as about your family history. Connecticut state law allows health insurance companies to go back 5 years when looking at medical history and can impose up to 2 years in waiting periods for pre-existing conditions. If you have a pre-existing condition and are still approved for coverage, the health insurance companies will take some steps to protect themselves. One possibility is that they will charge higher premiums and deductibles or co-pays to offset medical expenses. Another possibility is that they will attach a rider, or a written addendum, to your policy excluding coverage for a specified pre-existing condition which can last for a limited period of time or for the life of the policy. Read through your policy very carefully so you know what you can expect when the need to cover routine or emergency medical expenses arises.
Connecticut Group Health Insurance
The rules governing Connecticut group health insurance mirror those for all of the other states- that is, group health insurance policies are for companies which have between 2 and 50 employees. That does not mean, however, that all employees are covered by the group health insurance plan- those employees who live outside of the area covered by the policy and part-time employees are often not allowed to participate in group coverage. Like most insurance policies, there may be provisions included that allow for exclusion of coverage for pre-existing conditions for a period of time. The difference with group health insurance exclusions is that it is the employer who dictates the exclusions rather than the health insurance providers. If you qualify for group health insurance and have met all of your company’s preconditions, however, you will not be denied coverage regardless of the state of your current health.
Connecticut COBRA Insurance
If your previous employer has 20 or more employees, Connecticut health insurance regulations require COBRA benefits be made available to you. Typically, if you are eligible to receive COBRA benefits, you can do so for up to 18 months. For disabled people, the coverage extends to 29 months and for eligible family members, coverage can go as long as 36 months. Because COBRA is an extension of your previous employer’s group health plan, you are only covered so long as the plan hasn’t been cancelled or hasn’t been terminated for whatever reason. That is, if the plan is cancelled, your COBRA coverage will also end. If your COBRA coverage has run out or is going to run out, you may want to contact the Connecticut Comprehensive Health Insurance Association (ACHIA) who can help you obtain continued health insurance coverage.
Peace-of-Mind is only a Few Clicks Away
Now that you have a solid overview of individual, group and COBRA health insurance coverage, you are ready to take action. If you are already have a health insurance policy- either through your employer or another source, look over the policy to make sure it meets your needs. If you are one of the millions of uninsured people in the country, take the time to fill out the form at IndividualHealthInsurance.org so that you can obtain your free quote and take steps to protect your valuable assets.
