Medicare Health Plans, Health Insurance Plans, and Medicare Advantage Plans in C
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Connecticut Medicare Plan Options and Group Health Plans

Connecticut Access Health Plans

2019 Medicare Health Plans Options

Medicare Advantage Plans

Medicare Supplement Plans / Drug Plans

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    2019 Medicare Benefits, Plans & Pricing   Here is some information on Medicare Advantage Plans, Medicare Prescription Drug Plans, Medigap plans, Medicare supplements and Original Medicare. Feel free to call if any questions. 860-647-7353
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Group Health insurance in CT

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  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

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Individual & Family
Health Plans

Connecticare Solo Plans

Anthem Blue Cross Plans

Health Insurance Plans

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 may be able to purchase a personal health plan during the annual enrollment period which is from 11-1-2018 through 12-22-2018.

Connecticut health plans have all the required government coverages.

If you are looking for Connecticut Health plans the best number to call for help is 1-855-805-4325. Access Health is knowledgeable about Husky Plans and Subsidy Plans.

Please read below the things you should know about purchase health insurance
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  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 2018 is from 11-01-2018 through December 22nd, 2018. )

For people who are Medicare beneficiaries open enrollment for 2018 is from 10-15-2018 through December 7th, 2018.

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Health Plans
  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 certified health insurance broker 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


Health plans will change every year because the Federal laws requires plans to change to pay anticipated losses of 60%, 70%, 80%, and 90%. They are labeled Bronze, Silver, Gold, Platinum accordingly.

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Types of Health Insurance Plans in Connecticut

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  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.

An Independent Broker who is also a Certified Agent can help point these exclusions and limitations to help you make the right decision.

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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.

Drug companies have increased their rates and government does not control their pricing and Insurance companies are paid by a percentage of the premium, so If the drug and medical providers prices go up, the health insurance companies will make more money also.

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 Certified Independent Agent and Broker will help you tremendously every year.

You do not pay Independent brokers. There are no extra charges or fees. They are paid by the health plans. The price for health insurance is the same whether you purchase from a local agent or from a website.

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  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.

These health plans are generally the lower priced plans and many are missing doctors that are in their other health plans.

So if the health plan price is lower, ask your independent agent about the differences in the doctor networks.


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.

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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 settlements."

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

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All health plans are 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.

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  Creative Health Insurance
230 Hartford Turnpike
Vernon, Ct 06066

860 - 647 - 7353
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  JA December 21, 2018      
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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.

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Connecticut Medical and Health Insurance Plans

  The State of Connecticut Legislature and The Federal Government requires all health and medical insurance plans to include certain 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.
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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: 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, Anthem Blue Cross medicare supplement, medigap, and medicare advantage plans are for those who are Medicare beneficiaries. Anthem Blue Cross and Blue Shield group health plans, dental, for businesses.

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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 many employees who reside in Connecticut. Connecticare also outsources billing etc to other states. 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. 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    

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  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.

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%



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
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  JA December 21, 2018      
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