Medicare Health Plans, Health Insurance Plans, and Medicare Advantage Plans in C
  | About Us |Contact Us | Business Insurance | Dental Insurance Plan  
                 
 

Connecticut Medicare Plan Options and Business Health Plans

Connecticut Access Health Plans
    Medicare Plan
----
Information and Help


2019 / 2020

Medicare Health Plans Options

Medicare Advantage Plans

Medicare Supplement Plans

Medicare Prescriptin Drug Plans
     
      Robin Dubord Independent Help and Broker  
       
       
    Medicare Plan for Beneficiaries      
        Robin Dubord  
          Local Broker  
        What is covered by Medicare?

 
    How to enroll in Medicare?  
2019 Medicare Plans, Benefits & Pricing     What are my options?  
    What is Medicaid?  
        These answers and more for you.  
    Connecticut Plans

 
  Free Help and information on:  
Aetna Medicare Plans Medicare Advantage Plans  
Medicare Prescription Drug Plans  
Anthem Blue Cross Medicare Plans Medigap plans  
  Medicare supplement plans  
    CarePartners of Connecticut Original Medicare.  
    Feel free to call if any questions. 860-647-7353
A certified independent broker and agent will help you.
 
  Cigna Medicare Plans  
         
    Connecticare Medicare Plans Original Medicare - Medicare Part A and Part B  
         
    Unitedhealthcare Medicare plans Prescription Drug Plans - Medicare Part D plans  
       
         
             
   
       
    Connecticut Health Insurance Plans     Medicare Options      
    Small Business Plans

Group Health insurance in CT

call 860-647-7353

  Group Health Insurance Plans in Connecticut

Small Business Health Plans in Connecticut


Group health and Dental insurance plans are available for most business Owners in Connecticut. Most health plans have required coverages and optional coverages.

To request more information - click here

 
 
       
        Dental Insurance Plans  
           
           
         
         
             
   

Under age 65
Health Plans


Connecticare Solo Plans

Anthem Blue Cross Plans

Dental Insurance

Connecticare Solo and Anthem Blue Cross

  Under age 65 Health Plans in Connecticut

If you or your family are under the age of 65 . . . You may be able to purchase a personal health plan during the annual enrollment period which is from 11-1-2019 through 12-15-2019.

Connecticut health plans must have all the required Federal government coverages ordered by Center for Medicare and Medicaid Services (CMS) and the Affordable Care Act (ACA).

If you are under age 65 and looking for Health plans . . .

the best number to call for help is 1-855-805-4325.

 
 
      Medicare Information and help
  Things to know before you purchase health insurance  
  Connecticut Health Insurance plans spacing bar      
  In Connecticut, many health insurance plans will cover 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 2020 is from 11-01-2019 through December 15th, 2019. )

For people who are Medicare beneficiaries open enrollment for 2020 is from 10-15-2019 through December 7th, 2019.



  Connecticare Health and Medicare Health and Medciare  Plans in Ct  
       
    Anthem Health and Medicare health Plans in Connecticut  
     
     
       
     
       
         
     
  Most health plans have no health questions which are asked on the application other than if you smoke tobacco or have end stage renal disease.

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



     
 

If you are under age 65, your health plans will change every year because the Federal laws requires plans to pay anticipated losses of 60%, 70%, 80%, and 90%. In order to comply with Federal health laws, the health plans have to rearrange the plans regularly.




  Golden Rule  
       
       
    Dental Insurance  
 

Under age 65 Health 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.    
     
       
         
  There are many important exclusions and limitations which are not clearly pointed out by the health insurance plans or their websites.

There are brokers who can help you make the right decision.


  UnitedHealthcare tm  
     
  If you are under age 65, looking for a health plans, the best number to call for help is 1-855-805-4325.

  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. This is also called coinsurance.

The best part is the health insurance plan has already bargained with the drug companies for lower pricing first and then you pay a percentage(example 50%) 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, etc. . A tier 1 drug in one health plan could be a tier 2 or 3 in another health plan. Look for this difference also.

Many health plans have preferred pharmacies who will have lower pricing. These pharmacies change every year.

So coverages, benefits, and providers change every year with every health plan.

Working with a Independent Broker will help you every year.

We are an independent broker.

We do not charge extra fees for Medicare plans or Group insurance plans.

We are paid by the health plans.


     
    CBIA Health Connections Health Plans  
     
       
       
       
    Creative Health Insurance in CT- Connecticut health Insurance experts help or questions  
     
       
    Back to Top of Page  
         
  Doctor Visits      
 

Doctor coverage is different with all companies and the health plans.

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

There are 2 types of doctors / physicians:

1. PCP - Primary Care Physician

2. Spec - Specialist Physician

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

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.

And some plans will require referrals to see specialists from your primary care physician.

     
 
     
 

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 can adversely affect you at the time of a hospital stay or surgery.

So it is important to have someone who knows insurance to help you choose the right health plan every year.

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

Health Insurance Underwriting in CT

   
 

Some health plans will refuse you based on specific medical conditions.
If you have a serious condition it is important to get help from someone who is knowledgeable about the health insurance plans.


Some words of caution:

Government plans can take away subsidies and put you on Medicaid plans when your income changes. (Husky)

Government plans can require you to pay back the medical bills they paid if you have a "legal settlement."

What is considered a legal settlement should be asked to your attorney as a legal settlement can be changed by 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 you are under age 65 and 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.

Dont let yoru policy lapse.


   
     
       
  Pricing of health insurance in CT   Back to Top of Page  
 


All health plans are now governed by the federal and state government. All health plans in America are now subject to the Center for Medicare and Medicaid Services rules. These rules require all health plans to comply with the Affordable Care Act and Medicare Act.

Generally speaking . . .
For every dollar spent on health insurance premiums 85% must go to doctors, medical providers and drug companies, 10% 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
   
     
       
       
      Back to Top of Page  
  Robin Dubord Health Insurance in CT For Help Click Here      
       
       
       
       
  Robin Dubord AAI, LUTCF      
  Accredited Advisor In Insurance      
         
  Back to Top of Page      
      Creative Health Insurance in CT- Connecticut health Insurance experts help or questions  
  JA August 5, 2019      
  | About Us | Glossary | Links | Contact us |      
         
             
           
 

Connecticut Health and Medical Insurance Companies

 
 
All health insurance companies and plans are approved by the Department of Insurance for the State of Connecticut . They look at the financial health of these health plans 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 all health insurance plans in Connecticut.


 
 

Connecticut Medical and Health Insurance Plans

 
 
The State of Connecticut Legislature and The Federal Government requires all health and medical insurance plans to include specific coverages and benefits. 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. of the highest health plan costs and pricing.


 
          Back to Top of Page  
  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 covers the entire state of Connecticut , as well as many states throughout the United States.


 
 

Aetna health and medical plans offered are: Aetna Advantage plans and Aetna medicare supplement plans. Aetna Group health plans are offered to small and large businesses in Connecticut.

 
             
 

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, Anthem Blue Cross medicare supplement, Anthem medigap, and Anthem medicare advantage plans which are for those who are Medicare beneficiaries. Anthem Blue Cross and Blue Shield also offers group health and dental plans, dental.

 
          Back to Top of Page  
 

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 many employees who also live in Connecticut. Connecticare covers the entire state of Connecticut , as well as western Massachusetts, and some parts of New York.

 

 
 
Connecticare health and medical plans offered are: Connecticare Solo plans for individuals,
families, and self employed. Connecticares Medicare health plans which are medicare advantage plans for those persons disabled or over age 65. Connecticare also offers Group health and dental insurance plans for small and Large businesses.

 

 
  Connecticare health insurance plans, rates, and quotes 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 Insurance offers limited medical plans in Conn.
 
  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%

 

 
       
 
 

You have many options when it comes to health insurance plans in 2018. 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 for 2018

 
  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
 
           
        Back to Top of Page  
       
 
         
         
  JA August 5, 2019      
      | About Us | Glossary | Links | Contact us |