Health care costs have risen steadily through the years
Few people can afford to pay the full costs associated with their medical care. Having health insurance, even the most basic plan, is still a better choice than having none. Now that the Affordable Care Act (ACA) has been signed into law, everyone, regardless of health or ability to pay, must have health insurance. The sweeping changes of health care reform will directly impact you; how to choose a new plan, how to qualify for a subsidy, and how to avoid penalties for non-compliance, to name a few.
We can help bring clarity to this confusing process. We can help narrow the choices appropriate for your circumstance and then help you weigh the options. In the end, you’ll be confident of excellent protection in case of accident or illness at an affordable cost. Talk to us. We’ll point you in the right direction.
Business Plans
Medium to small businesses want to do right by their employees in offering health insurance. But businesses have to keep an eye on costs and we can help. We work with local businesses every day to show them the options, the costs and the benefits of various plans and always being aware of your bottom line.
for a no-obligation strategy planning session
Individual and Family Plans
Eligibility Requirements
- Legal resident of CT
- Under age 65
- Not enrolled or entitled to Medicare benefits
- Single; OR
- Married couples, civil unions and domestic partners; OR
- Families with unmarried, dependent children under age 19 (or under age 26 if a full-time student)
- Plans are medically underwritten and acceptance is based on a review of the applicants completed Health Statement.
Types of Health Insurance Plans Available*
HMO Health Insurance Plans
A health insurance plan that requires members to seek care from a participating practitioner and facility. Authorization is required before seeking care when services are being rendered outside of the network. Includes prescription drug coverage.
Point-Of-Service Health Insurance Plans (POS)
A health insurance plan that allows members a choice by utilizing any health care provider. Members who choose a participating practitioner or facility will receive the highest level of benefits. Includes prescription drug coverage.
Preferred-Provider-Organization Health Insurance Plan (PPO)
A health insurance plan that allows members to have to option to choose any doctor from the PPO participating provider network, without a referral, and receive maximum coverage. Members will also have access to out-of-network providers; however, they receive a lower, out-of-network level of benefits. Includes prescription drug coverage.
Health Savings Accounts Insurance Plans (HSA)
An account that a member may deposit money to save for future medical expenses. HSA’s work in conjunction with a HIGH DEDUCTIBLE HEALTH PLAN (HDHP). An HDHP is a health insurance plan in which the deductible is applied on a combined basis for Medical and Pharmacy expenses. Some types of preventative care are exempt from the plan deductible. Includes prescription drug coverage.
Dental Insurance Plans
A range of dental insurance plans featuring benefits for diagnostic and preventative services, plus benefits for basic maintenance, major procedures, and even orthodontia.
* The above information is intended as a general overview and should be combined with a professional review of your individual needs to determine which plan and carrier would best suite you personally and financially.
for a no-obligation strategy planning session