Medicare Health Plans, Health Insurance Plans, and Medicare Advantage Plans in C
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Connecticut Health Insurance and Medicare Health Plans Prices

 
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    Medicare Plan for Beneficiaries   What is covered by Medicare? How to enroll in Medicare? What are my options? What is Medicaid? We have these answers and more for youfor you.  
     
         
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Individual & Family
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Connecticare Solo and Anthem Blue Cross
 
Individual and Family Health Plans in Connecticut


If you or your family are under the age of 65 . . .
You are able to purchase personal health plans in Connecticut.

These health plans have all the required coverages and do not ask income questions. We can help you enroll in these plan quickly. We are able to help enroll you through the phone, fax, email, mail or in person.

Thats right, You do not have to work with the government plans and headaches.

To request information or enrollment help - click here

or call 860-647-7353

Please read below the things you should know about purchase health insurance

 
 
   
       
       
       
     
     
             
   
Small Business Plans

Group Health insurance in CT

Group Health
Insurance




  Small Business Health Plans in Connecticut

Group health and Dental insurance plans are available for employers and soleprprietors in Conn. All health plans have the required coverages.

To request information or enrollment help - click here
or call 860-647-7353
 
 
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  In Connecticut, most health insurance plans are guaranteed to be issued and will cover all pre-existing conditions.

Open enrollment is the time period which allows you to purchase new health insurance or to make changes to your current health insurance plan.

For people under age 65 the open enrollment for 2016 is from 11-01-2016 through January 31st, 2017. )(this can change still)

For people who are Medicare beneficiaries open enrollment for 2017 is from 10-15-2016 through December 7th, 2016.

There are special circumstances which allows you to change or purchase new health plans outside of these dates. These dates are called "Special Enrollments Periods ".

For businesses there is an open enrollment that occurs 60 days before the renewal date or at anytime if you are just starting a business health plan.

In Connecticut . . . private health plans will have a larger network of Doctors and Medical Providers than government plans.

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  Most health plans are guaranteed issue . . . . so no health questions are asked on the application other than if you smoke tobacco.

However, a good health insurance broker they will ask you health questions on how you use medical care in order to help you find a plan that will pay for those medical bills.


Having a health plan that pays for the medical services that you use regularly will save you money. How to save money on health insurance - click here
   
Guardian health Plans in CT
         
 

A broker is an insurance agent that understands the coverages and prices for many different companies and health insurance plans.

Remember, the health insurance you choose will be the one you must keep for the year.

You cannot change your health insurance during the year.

  For help
enrolling
Call:
860-647-7353
 
 


Health plans will change every year because the Federal laws require more and more medical coverages to be added every year.

To keep up with these changes, try to find someone knowledgeable to help you every year.


Consider using a local broker. There is no fees or increase in costs to use an insurance broker. Brokers are paid by the insurance companies to help you every year. They can be helpful.

Brokers know about:

doctor networks, . . .

prescription drug networks , . . . .

health plan procedures, . . .

health plan benefits . . . .

Pricing


The price and services provided by a health insurance plan is exactly the same whether you use a website or a local broker.


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Types of Health Insurance Plans in Connecticut

  For help click here  
  There are different types of health plans. There are copay plans, hospital deductible plans, up front deductible plans, high deductible hospital plans, qualified high deductible health plans, HSA compatible plans and other hybrid health plans.    
     
       
         
  When looking for a health insurance plan, look for the differences. There are many differences which are not clearly pointed out by the health plans or brochures.      
       
         
  Review what medical services and doctors you use and try to understand the differences and similarities between the copays and deductibles. This helps you to make a better decision on what plan to choose.

Remember having a health plan that pays for the medical bills you use everyday will save you lots of money.

  Creative Health Insurance in Connecticut  
 

Prescription Drug Plan Coverage

     
 

Another place to look for differences is the prescription drug plan coverage.

Some health plans will only pay for generic drugs.

And some plans may require you to pay the difference between the generic drug and the more expensive drug.

Some health plans offer prescription drugs after a deductible.

Recently, % signs are appearing more and more for the more expensive drugs. A % sign means is that the insurance company will pay a percentage (%) and you will pay a percentage.

The best part is the health insurance plan already bargained with the drug companies for lower pricing first and then you pay a percentage(%) of that drug.

Each health plan covers specific drugs which is referred to as a drug formulary. So not all drugs are covered by all plans.

Within the drug formulary, prescription drugs are classified as a tier 1 or 2 or 3 or 4 or 5. A tier 1 drug in one health plan could be a tier 2 or 3 in another health plan. Look for this also.


     
       
       
       
       
       
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  Doctor Visits      
 

Doctor coverage is different with all companies and health plans.

The first and most important question is whether your doctor and other medical providers are in the provider network.

Generally speaking, private health insurance plans have a larger network of doctors and providers.

There are 2 types of doctors / physicians:

1. PCP - Primary Care Physician

2. Spec - Specialist

Both these doctors will have a different amount you must pay.

Another important question is whether the doctor copay is before or after the deductible?

So some plans cover primary care and specialist doctors before the deductible . . . some after the deductible.

Some plans cover specialist doctors before the deductible some after the deductible.

Some of the lower priced health plans will limit primary care physician visits to only 2-3 visits per year.

  For help
enrolling
Call:
860-647-7353
 
 
     
 

Deductibles in health insurance plans

     
         
  Health plan deductibles are different from one company to another company.

Plan deductibles are also different within the same company.

Here are some things to look for:


1. With some plans the deductible applies to the hospital and surgery costs only.

2. And with some plans the deductible applies to all medical costs including prescription drugs!

3. Some plans the deductible does not apply to prescriptions.

4. With some medical plans, the deductible depends on whether you have an individual or family plan.

5. Some plans, the deductible is per admission.


6. Some plans, the deductible is per day.

7. Some plans, the deductible is per year.

8. Some plans, the deductible is per person or per family.


Important - Please Read

The complexities of what the deductible means to you and your family can adversely affect you at the time of a hospital stay or surgery.

Remember, you cannot change your health insurance during the year.


So it is important to choose the right health plan for you and your family.


  For Help Click Here  
      For help
enrolling
Call:
860-647-7353
 
 

Health Insurance Underwriting in CT

   
 

Medical Underwriting based on your physical or mental well being is no longer allowed in private individual and group health plans.

However some health plans will refuse you based on specific medical conditions.

If you have a serious condition it is important to talk with someone knowledgeable about health insurance exclusions.


Some words of caution:

Government plans can change, or take away subsidies, or put you on Medicaid plans when your income changes.

Government plans can require you to pay back the medical bills they paid. These government situations are called "legal settlements."
What is considered a legal settlement should be asked to your attorney as what is considered a legal settlement can be changed by the politicians.

Government agencies requires all enrollees to provide financial statements and other paperwork to them on a regular basis. Failure to send this information on a timely basis could result with cancellation of your health insurance plan.


If your health insurance policy cancels
for nonpayment of premiums, you will have to wait til the following open enrollment for coverage effective the following January 1st.


   
     
       
  Pricing of Health Insurance in CT   Back to Top of Page  
 


All health plans are ruled by the federal and state government. These laws requires all health plans to comply with the Affordable Care Act, which some refer to as Obamacare.

The Affordable Care Act (ACA) laws requires that every health plan must be adjusted every year to pay a percentage of anticipated claims. The percentages are 60%, 70%, 80%, and 90%.

Generally speaking
. . .

For every dollar spent on health insurance premiums 80 to 85% must go to doctors, medical providers and drug companies, 15% must go to the health plans to handle claims and billings, set up provider networks and other administrative tasks and 5% must go to the Federal government.

     
       
    For help click here  
       
       
       
         
  Creative Health Insurance
230 Hartford Turnpike
Vernon, Ct 06066

860 - 647 - 7353
   
     
       
       
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  Robin Dubord Health Insurance in CT For Help Click Here      
       
       
       
       
  Robin Dubord AAI, LUTCF      
  Accredited Advisor In Insurance      
         
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      Creative Health Insurance in CT- Connecticut health Insurance experts help or questions  
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Connecticut Health and Medical Insurance Companies

 
  All health insurance companiies are approved by the Department of Insurance of the State of Connecticut . The department of insurance looks at the financial papers of these health and medical insurance companies to make sure they have and maintain enough funds to pay claims, and that the company sets aside adequate moneys to pay for future claims. These requirements are done both for personal insurance plans and for business insurance plans.

Get Help Click Here

 
 

Connecticut Medical and Health Insurance Plans

 
  The State of Connecticut Legislature and The Federal Govenment requires all health and medical insurance plans to include certain coverages and benefits. Politicians decide and develop what coverages and benefits are to be required by Conn law. These health insurance requirements are applied to all medical plans and are called "mandates". These health care mandates increase the costs and the price of health insurance in Ct. The state of Connecticut is one of the most heavily mandated states in America on health insurance. This also why Connecticut has some of the highest health plan costs and pricing.    
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  Aetna Health and Medical insurance plans in Connecticut  
  Aetna health Insurance offers many types of medical insurance plans in Connecticut. As a health care company, Aetna serves many state residents. Aetna Insurance began in 1853 and has about 7365 employees in Connecticut. Aetna covers the entire state of Connecticut , as well as states throughout the United States.

   
 

Aetna health and medical plans offered are: Private health insurance plans for individuals, familys and sole proprietors. Aetna Advantage plans and Aetna medicare supplement plans. Aetna Group health plans are offered to small and large businesses in Connecticut.

   
 

Aetna Health insurance plans, rates, and quotes here

 
             
 

Anthem Blue Cross and Blue Shield health and medical insurance plans Ct

 
  Anthem Blue Cross and Blue Shield is a health care company that serves many Connecticut residents.

Anthem insurance began in 1936. Anthem Blue Cross Health Plans covers the entire state of Connecticut. Their Connecticut provider network has grown to over 16,000 providers and 30 hospitals.

In 2007, Anthem Blue Cross has ranked #10 out of over 259 health insurance plans by U.S. News & World Report. This was based on NCQA America’s Best Health Plans 2007. These rankings are based annually on the industry standards for clinical quality of prevention and treatment, and customer experience and satisfaction.
   
 

Anthem Blue Cross Blue Shield medical and health insurance plans offered in Ct are: Anthem Bluecare, Century Preferred, Lumenos, and Tonik plans for individuals, families and the self employed. Anthem Blue Cross medicare supplement, medigap, and medicare advantage plans are for those who are disabled or over age 65. Anthem Blue Cross and Blue Shield group health plans, dental, for businesses.

For Help Click Here  
 

View Anthem Blue Cross health insurance plans, prices and quotes here

 
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Connecticare health and medical insurance plans in Connecticut

 
  Connecticare is a health insurance company that serves many members in Connecticut. This company has grown in Connecticut and has over 500 employees who reside mainly in Connecticut. Connecticare covers the entire state of Connecticut , as well as western Massachusetts, and some parts of New York. Their network has grown to over 22,000 providers and 85 hospitals. ConnectiCare has ranked #27 out of over 259 health plans by U.S. News & World Report. This was based on NCQA America’s Best Health Plans 2007.
ConnectiCare health Insurance has been ranked number one for having the best complaint ratio of all the health and medical plans in Ct. These complaint rankings are based on health insurance plans in Connecticut in which justified complaints have been made against Connecticare and recorded by the Connecticut Department of Insurance. In 2008, only twelve complaints against Connecticare were considered justified. This is the 4th consecutive year that ConnectiCare has earned this top honor. These annual complaint rankings are released by the State of Connecticut Department of Insurance based on information from the year 2008.

 

 
  Connecticare health and medical plans offered are: Connecticare Solo plans for individuals, families, and self employed. Connecticare VIP plans which are medicare advantage plans for those persons disabled or over age 65. Connecticare Group health and dental insurance plans for small and Large businesses. These plans can be HSA, HMO, PPO, Hospital deductible, up front deductible and maternity plans.

 

 
  Connecticare health insurance plans, rates, and quotes here    
 
   

Get Help Click Here

 
  Golden Rule health insurance plans in Connecticut      
  Golden Rule Insurance is a provider of health and medical insurance for individuals families and self employed in America. Golden Rule is now a part of the United Healthcare Companies. The UnitedHealthcare Group is one of the largest health insurance providers throughout the United States. Golden Rule has been offering personal medical insurance policies in Connecticut for many years.

 

 
 
Golden Rule Insurance offers medical plans in Conn.
   
 

Government health insurance plans in Connecticut

 

 
  Access Health CT is a part of the Affordable Care Act and is a government plan. The doctors and hospitals participating in the government health plans 15% to 25% smaller thjan the private health plans.

 

 
       
 
 

You have many options when it comes to health insurance plans. Today, choosing the best health plan is  more than just finding the least expensive plan with the lowest copays for doctors, prescriptions, and hospitals. We work together with you every year to make sure you have the right medical plan at the lowest price possible. Quite often, you save lots of money without stripping the health insurance plan. If you are looking for someone to help you with your health insurance decisions. We would like to meet with you. Below is the cities and towns we service in Connecticut

 
  Hartford County: Avon, Berlin, Bloomfield, Bristol, Burlington, Canton, East Granby, East Hartford, East Windsor, Enfield, Farmington, Glastonbury, Granby, Hartford, Hartland, Manchester, Marlborough, New Britain, Newington, Plainville, Rocky Hill, Simsbury, Southington, South Windsor, Suffield, West Hartford, Wethersfield, Windsor, Windsor Locks
New London County: Bozrah, Colchester, East Lyme, Franklin, Griswold, Groton, Lebanon, Ledyard, Lisbon, Lyme, Montville, New London, North Stonington, Norwich, Old Lyme, Preston, Salem, Sprague, Stonington, Voluntown, Waterford,
Tolland County: Andover, Bolton, Columbia, Coventry, Ellington, Hebron, Mansfield, Somers, Stafford, Tolland, Union, Vernon, Willington,Windham County: Ashford, Brooklyn, Canterbury, Chaplin, Eastford, Hampton, Killingly, Plainfield, Pomfret, Putnam, Scotland, Sterling, Thompson, Windham, Woodstock Litchfield County: Barkhamsted, Bethlehem, Bridgewater, Canaan, Colebrook, Cornwall, Goshen, Harwinton, Kent, Litchfield, Morris, New Hartford, New Milford, Norfolk, North Canaan, Plymouth, Roxbury, Salisbury, Sharon, Thomaston, Torrington, Warren, Washington, Watertown, Winchester, Woodbury,Middlesex County: Chester, Clinton, Cromwell, Deep River, Durham, East Haddam, East Hampton, Essex, Haddam, Killingworth, Middlefield, Middletown, Old Saybrook, Portland, Westbrook,
New Haven County: Ansonia, Bethany, Branford, Derby, East Haven, Guilford, Hamden, Madison, Meriden, Middlebury, Milford, Naugatuck, New Haven, North Branford, North Haven, Orange, Seymour, Wallingford, West Haven, Woodbridge Fairfield County: Bethel, Bridgeport, Brookfield, Danbury, Darien, Easton, Fairfield, Greenwich, Monroe, New Canaan, New Fairfield, Newtown, Norwalk, Shelton, Sherman, Stamford, Stratford, Redding, Ridgefield, Trumbull, Weston, Westport, Wilton
 
           
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