Health Insurance Carriers in Connecticut (CT)

Every Connecticut resident on the prowl for a good policy should be informed. Health Insurance regulations differ from state to state, and the carriers that offer health care coverage in Connecticut have different plans and options. We hope you will find the information we've provided below informative and useful. First, review the list of carriers we recommend in Connecticut. Second, review basic information about Connecticut Health Insurance

Health Insurance Providers in Connecticut:

Aetna
Anthem Blue Cross and Blue Shield of Connecticut
Assurant Health (Formerly Fortis)
Celtic
Clarendon National Insurance Group
Golden Rule
Guardian and Health Net
Oxford

Get more information on health insurance >>

Individual Health Insurance in Connecticut

• Individual health insurance can be denied due to the health conditions of the applicant.
• Once individual coverage is secured, coverage cannot be denied at the time of renewal.
• If there is a pre-existing condition, providers have several means of exclusion.
• In the presence of a health problem, there are no limits on the cost of premiums.
• There are provisions for high risk individuals between 19 and 64 years old through Connecticut Health Reinsurance Association (HRA).
• Through the HRA, there are three plans offered by providers.
• Provisions for admission to the high risk pool are numerous and require HIPAA eligibility.

Group Health Insurance in Connecticut

• If eligible for a group plan, applicant cannot be denied because of a medical problem, although a new employer and HMOs can require a waiting period.
• Only the six months of medical history prior to coverage can be reviewed for pre-existing conditions.
  
• Coverage for pre-existing conditions for 12 months.
  
• If joining a fully insured group plan and have had no breaks in coverage of over 120 days, creditable coverage can be applied.

Get more information >>

Small Business Health Insurance in Connecticut

• Small businesses cannot be turned down for group coverage, charged extra for a sick employee, or cancelled from coverage at the time of renewal.
• The state allows a small business of up to 50 employees to buy group health insurance through a statewide alliance or trade association. Contact the Connecticut Insurance Department for details.

Self-Employed Health Insurance in Connecticut

• If self-employed, the state allows purchase of group health insurance, provided there is proof of self-employment.

Connecticut Health Care Programs

Contact the insurance department for the most up-to-date and accurate information:

Connecticut Insurance Department
P.O. Box 816
Hartford, CT 06142
(860) 297-3800
www.ct.gov/cid/site/default.asp

Medicaid, HUSKY (Healthcare for Uninsured Kids and Youth), and Breast and Cervical Cancer Program are available to help low to moderate income families.

Request more information about health insurance >>