Health Insurance

During these tough economic times, many people are facing layoffs. Of those fortunate individuals who are able to retain their jobs, many are being told by their employers that they will either be eliminating or reducing health care benefits. Consequently, many people are searching for good quality, affordable Connecticut health insurance. And where are thousands of people getting the information they need? At insuranceUSA.com! The site to turn to for reliable health insurance quotes. Simply put, health insurance is an insurance which pays for medical expenses, whether routine or emergency care. Many states have now expanded coverage to include all important disability and long-term care benefits.

In this article, you will find helpful information regarding all the regulations surrounding Connecticut health insurance. This detailed information is useful whether you are searching for individual or small group coverage. It also includes the basic facts concerning COBRA, which stands for the Consolidated Omnibus Budget Reconciliation Act of 1986. The majority of users of COBRA insurance are those people who have lost their primary means of health insurance, usually through the loss of employment. COBRA coverage gives them the right to continue group health insurance benefits, but for a limited time and also most often at their own expense.
You will also be provided with some convenient statistics which will allow you to compare the health of people living in Connecticut with the health of residents who live in other states.
This article will provide you with all the information needed about Connecticut health insurance and allow you to make a knowledgeable and well-informed decision concerning your health insurance needs. Once you have read and learned what is available to you and selected your options, insuranceUSA.com will be ready to furnish you with quotes for the exact type of personalized health insurance plan you have chosen.

Connecticut Individual and Family Health Insurance
Connecticut does not regulate the types of individual or family health insurance policies that are written or regulated by insurance companies. Connecticut health insurance companies are allowed to design their own policies and they may choose whatever options they wish to offer- including benefits, co-insurance limits, deductibles. Some benefits, such as mammography, are mandated by the state. For individual health plans, all insurance companies in Connecticut have the right to deny coverage to any person based on their current or past health history. If you are applying for individual health coverage and you have a pre-existing medical condition, the Connecticut health insurance company has different actions they can take concerning your application. Firstly, they may categorically deny you all medical insurance coverage. Secondly, they may offer you coverage but refuse to cover any medical expenses related to the pre-existing condition. Thirdly, they may offer you full coverage, including coverage for the pre-existing condition. The insurance company makes this determination usually based on the severity of the pre-existing condition and also the estimated costs anticipated to maintain and treat the condition. These pre-existing conditions can be excluded for up to 24 months in a new policy. Connecticut health insurance companies are not required to give credit for prior insurance coverage.

Connecticut Group Health Insurance
Connecticut health insurance is designed for groups, or companies, with more than 2, but no more than 50, employees. Under Connecticut health insurance regulations, part-time employees and those who live outside of the insurance service area may not be eligible for coverage under the group plan. Those employees who do qualify for coverage will be guaranteed Connecticut health insurance under the group insurance plan, no matter what your current health condition. The company that issues the Connecticut health insurance does not decide on a waiting period before the coverage takes effect. Instead, any waiting period is decided on by the employer. Some group plans will exclude benefits for medical conditions you were treated for within the last six months prior to when their coverage begins. But, if that happens, there are certain types of insurance that that will continue to provide health care benefits for conditions that you were treated for while you were covered under one of their plans.

Connecticut COBRA Insurance
When a person is between jobs, Connecticut health insurance options follow the federal COBRA guidelines. COBRA applies to companies with at least 20 employees on staff. An eligible employee may decide to continue their Connecticut health insurance coverage through the COBRA plan for a maximum of 18 months. Extended periods of coverage are available for eligible dependents for 36 months, and disable persons for 29 months. COBRA is an extension of your previous Connecticut health insurance through your employer, and if your employer discontinues the group plan, then your COBRA benefits will also end. However, if this happens, additional Connecticut health insurance is available through the Connecticut Comprehensive Health Insurance Association (ACHIA).

Connecticut Health Information and Statistics
If you are in the market for quality Connecticut health insurance, the following facts may be of interest to you. You will find helpful statistical information outlining how Connecticut ranks in many categories related to overall health, both medical and lifestyle, plus other pertinent material.

Some of the positives of residing in Connecticut are a low geographic disparity within the state, a low prevalence of obesity, a low prevalence of smoking, and high immunization coverage. Connecticut also faces many challenges, including having a high incidence of infectious disease and moderate public health funding.

According to a 2008 study, Connecticut had some significant changes over the past year. These include the prevalence of smoking declining by 9% and the percentage of children in poverty growing by 34%. Since 1990, the rate of uninsured population increased by 47% while the prevalence of smoking decreased by 48%.

Following is a variety of statistical data related to living in Connecticut, as compared with the rest of the country. These state rankings may be helpful when you consider purchasing Connecticut health insurance.

  • Prevalence of Smoking-3rd
  • Prevalence of Obesity-2nd
  • Violent Crime-10th
  • Children in Poverty-18th
  • Air Pollution-26th
  • Cancer Deaths-19th
  • Lack of Health Insurance-6th
  • Prevalence of Binge Drinking-28th
  • Infant Mortality-14th
  • Infectious Disease-39th
  • Premature Death-5th

Overall Rank: 7
Change: -2