Getting medical insurance quotes and finding the right plan in Connecticut might feel like a whole new world, with insurance exchanges and the individual mandate being implemented. Did you know that just choosing the first plan you see or enrolling in a "discounted" plan can end up costing you more in the end?
Additionally, while many employers offer health coverage, sometimes these plans are more expensive than private health insurance. There's a lot to know about health insurance, and educating yourself on the basics is important.
Beyond adopting a healthful lifestyle, having health insurance is the best protection you can have to ensure you stay happy and healthy. From routine care and wellness exams to vaccines and community programs, staying on top of your health is important. Since medical-related costs are the number one cause of bankruptcy, it's important to have insurance in place in order to help cover any health issues that arise.
Connecticut has many health programs available for residents to take part in to stay healthy. Programs dedicated to education about breast cancer, smoking abatement, childcare and even youth camps are just a few of the programs available to Connecticut residents.
There is no strict average on how much health insurance costs in the state of Connecticut. However, there are factors that every insurance body uses in order to determine your premiums, including the following:
You have control over a few factors that will determine your premium such as these:
It's important to decide what type of coverage you want, what type of prescription plan you'd like and what type of plan you would rather have (HMO or PPO) before getting medical insurance rate quotes.
Individuals, families and children declined for private health insurance and those can't afford it have a few options such as HUSKY Healthcare, CHIP and Medicaid. These health programs offer healthcare benefit packages that cover primary care, preventive care, hospital care, behavioral health, prescription coverage and even dental coverage. There also may be private organizations or charities that can help pay for some healthcare costs. There are also free clinics in Connecticut that offer free medical services to residents.
If you currently have health insurance, you may notice that some very necessary treatments and therapies may not be covered. There are supplemental plans available, such as the following:
Health insurance can be confusing. Making sure you research all your options, along with making sure the coverage you choose is adequate, is an important part of taking charge of your health. Whether it's reviewing a plan you already have or finding a new one, a Trusted Choice® agent is always available to help.
Contact your local Trusted Choice agent for help getting coverage.