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

Connecticut Health Insurance and Medicare Health Plans Prices

Medicare Options - Medicare Advantage Plans Medicare Supplement
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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.  
      Here is some information on Original Medicare, Prescription Drug Plans, Medigap plans, Medicare supplement plans and Medicare Advantage Plans. Feel free to cal if any questions.
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Small Business Plans

Group Health insurance in CT

Group Health


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 information or enrollment help - click here
or call 860-647-7353


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 11-1-2017 through 12-22-2017.

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, Subsidy Plans.

Please read below the things you should know about purchase health insurance
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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 2018 is from 11-01-2017 through December 22nd, 2017. )

For people who are Medicare beneficiaries open enrollment for 2018 is from 10-15-2017 through December 7th, 2017.

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

  Connecticare Health and Medicare Health and Medciare  Plans in Ct  
    Anthem Health and Medicare health Plans in Connecticut  
Health 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 or have end stage renal disease.

However, a 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

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


Health plans will change every year because the Federal laws requires plans to pay anticipated losses of 60%, 70%, 80%, and 90%.


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

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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.    
  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.

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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 already bargained with the drug companies for lower pricing first and then you pay a percentage(%) of that drug.

Remember, 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 prices go up, the health insurance companies will make more profit.

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.


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.

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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 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. 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.

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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.

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  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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  JA November 15, 2017      
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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.

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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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  JA November 15, 2017      
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