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Medical Insurance in Connecticut: An Overview

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Medical Insurance in Connecticut

Medical Insurance in Connecticut

Introduction: As of 2001 to 2003 and according to a survey conducted by Center for Disease Control, 10.4% of the total number of Connecticut dwellers did not have any health insurance coverage, for each year. Here, in this below-mentioned abstract we have provided some useful information about Connecticut Health Insurance and state-aided health programs as well as health insurance plans and policies by different health insurance providers of the state.

Some important regulations for Connecticut Health Insurance companies

The state government of Connecticut has proposed some rules and regulations to supervise and to direct Connecticut health insurance as well as Connecticut medical insurance plans and policies; introduced by different health insurance providers. Some of those regulations are as below:

  • All Connecticut health insurance companies must to keep guaranteed provision for renewal of plans; so that each and every policy holder can renew their existing plan; if all the premiums have been disbursed, timely.
  • Cost of Connecticut health insurance plans is not static. It depends on the health status and age of the respective customer. However, the rate remains same for the individuals with same age and health condition.
  • The health insurance companies have freedom to refuse or reject any application for health insurance coverage from an applicant who has a pre-existing medical condition. however there are some criteria and those are:
  • A pre-existing medical condition may be defined as a health condition for which the respective person has enjoyed a treatment or analysis for 1 year from previous medical insurance plan; before commencement of the said health insurance plan or policy.
  • The health insurance provider can inflict a waiting period for any pre-existing health condition.
  • The duration of time for which the individual enjoyed coverage for any pre-existing health condition may be credited to the waiting period of the new Health Insurance Plan; provided there was no breakage or failure in payment as premiums.
  • Refusal or rejection of Connecticut health insurance for employer or group insurance plan is strictly prohibited. However, the respective insurance provider has liberty to refuse or reject any of the individual Connecticut health insurance applications; for any pre-existing health condition.

Short-term or conversion health insurance plans and policies to cover up period between health coverage are also available in Connecticut.

Connecticut Health Insurance Alternatives

Being an “uninsurable”, you will find so many state government-aided alternative families as well as individual health insurance choices including programs and organizations; in your state. You can take advantage of them, too; if you're unable to pay for individual Connecticut Health Insurance policies and plans. Some of those programs which you can avail through Connecticut Medical Insurance companies are mentioned below:

  • Connecticut Medicaid: This program is available to those individuals who meet all the qualifying criteria.
  • Husky Plan: This plan is especially designed for the Connecticut children below age 19. Children from families that are not eligible for Medicaid or can't manage to pay for Connecticut Health Insurance; are only eligible for this plan.
  • Connecticut Health Reinsurance Association: This is a high-risk pool for Connecticut Health Insurance. Thorough this pool, “uninsurable” individuals can access individual health insurance policies. However, there could be a waiting period for pre-existing health condition.
  • Connecticut Managed Care Ombudsman: This program acts as a health insurance provider to the individuals who are covered under HMO plans.

Health Insurance Organizations in Connecticut

According to Connecticut Health Insurance Department, the top health organizations are as follows:

  • Aetna Life Insurance Company
  • Celtic Insurance Company
  • Time Insurance Company
  • Connecticare, Inc
  • American Republic Insurance Company
  • Golden Rule Insurance Company
  • Anthem Blue Cross Blue Shield of CT
  • Connecticare Insurance Company

According to the CT department of health insurance, names of Connecticut health insurance as well as life insurance providers that offer Cancer policy are mentioned below:

  • American Heritage Life Insurance Company
  • American Fidelity Assurance Company
  • Colonial Life & Accident Insurance Company
  • John Alden Life Insurance Company
  • Combined Insurance Company of America
  • Loyal American Life Insurance Company
  • Assurity Life Insurance Company
  • American Family Life Insurance Company

For more and in-depth information about Connecticut health insurance, you can contact at:

State of Connecticut Insurance Department

PO Box 816
Hartford, CT 06142-0816


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