Connecticut Health Insurance
Connecticut HEALTH INSURANCE PROGRAMS
Healthcare For Uninsured Kids and Youth (HUSKY) - The HUSKY program is designed to provide health insurance for low-income children under the age of 19 and pregnant women who are uninsured.
Breast and Cervical Cancer Early Detection Program - This program provides screening for breast and cervical cancer for low-income women. If diagnosed with one of these cancers, women can get full health care coverage through Medicaid.
Common Health Conditions in Connecticut
- Sleep Apnea
- Hepatitis
- Septicemia
- Pneumonia
Connecticut Health Insurance Regulations
Some of the most important Connecticut health insurance laws are ones regulating the health insurance policy specifically. Connecticut does not impose strict policy requirements, but there are a few. The first one is the guaranteed renewability provision. This is included in every Connecticut health insurance policy. This provision states that, as long as premiums have been met, your Connecticut health insurance company cannot deny your request to renew your policy for continued health care coverage. The other major regulated provision is the "pre-existing" condition exclusion. Connecticut health insurance companies can exclude coverage for medical conditions if they are considered "pre-existing" conditions. The term pre-existing is defined by state laws differently. Connecticut health insurance laws consider conditions to be pre-existing if you have received medical treatment for a condition or were diagnosed with the condition 12 months prior to the beginning of the plan. Legally, Connecticut insurance companies are allowed to include exclusion periods for any condition that falls under this description. However, if you switch insurance companies, you can avoid having a second exclusion period imposed by making sure your Connecticut health insurance coverage is continuous. If you have no break in between policies, your old coverage credits your new plan's exclusion period thereby decreasing or eliminating it. Health insurance laws in some states strictly regulate the cost and availability of health insurance policies. Connecticut health insurance laws are rather relaxed in this area, which means you just have to be more aware of what liberties your health insurance company are allowed. For instance, Connecticut health insurance companies are allowed to factor in your health status in deciding whether or not the they want to offer you a policy and what your health insurance policy will cost. all Connecticut health insurance companies have the right to not offer you a health insurance policy. Also, the cost of Connecticut health insurance is not controlled. Connecticut health insurance companies generally charge you the same amount as other individuals who have similar health, but they can choose to charge you more. The one protection you have is once you enter into a contract with a Connecticut health insurance company, you cannot be denied a request to renew the policy. Since this is the case, it is highly recommended that you buy Connecticut health insurance while you are young and healthy to ensure you get comprehensive low costing coverage. It is crucial to obtain some type of health insurance during breaks in your health care coverage. If you are seeking temporary Connecticut health insurance, conversion policies are a good choice. Conversion policies are available to individuals who have recently left a fully insured group policy. Although the price may be higher and the coverage less, conversion policies offer adequate insurance in times when you need coverage for a short amount of time.
Connecticut
Postal address not available
Website: http://www.dir.ct.gov/dph/Scripts/hlthprof.asp
Phone: (860) 509-8000 (8am - 5pm)
