Serving Connecticut and Fairfield County.
Get a Quote By Phone:
(203) 452-9078
Get a Quote By Phone:
(203) 452-9078
Purchasing Connecticut Health Insurance shouldn't make you confused. Our experienced staff have compiled this list of commonly asked questions to help you. We are confident that these answers will provide you with a foundation for your inquiry, but if you have additional questions please give us a call at (203) 452-9078 and we'd be happy to help!
Deciding to have children in Connecticut while already having a policy is one of the most common issues we face at Secure Future Service. Having children should be a fun, life altering occasion, but you need to make sure that the new addition to your family is covered under your plan as well. Most Connecticut Health Insurance Plans don't offer maturity leave, but there are some that do. Give us a call and we'll find just the plan for you.
Sometimes people get involved in policies that don't meet their needs, and when this happens it feels like the whole world is coming to an end. We understand your frustration which is why we will work with you to get you the insurance that fits your needs. When this situation happens it's often because you've chosen a low premium without looking at the benefits you will receive. Avoid this mistake by calling us to get a Connecticut Health Insurance plan that will set your mind at ease.
The best plan for a family with your needs would be a PPO (Preferred Provider Organization), POS (Point of Service), or an HMO (Health Maintenance Organization). These plans will insure that you don't pay for a lot of the expenses as long as you stay in the provided network of offered professionals.
If you have a doctor that you can't live without, who isn't included in your policy, you can still find a solution that works. Before you purchase Connecticut Health Insurance, be sure to find out if your doctor is included inside of the network that the company works with.
Yes! Health insurance is important at every age. If you don't go to the doctor much and you are in impeccable health, you can still benefit from insurance. Accidents can happen at any time so having a life raft on your boat is always a good idea. Our Connecticut Health Insurance professionals can help you find the plan for your needs.
If you work for a company with 20 or more employees, you are guaranteed coverage until you are 69. After this age you need to switch to Medicare as your primary insurance because your employer is no longer obligated to continue coverage on you. Medicare Part A will cover all of your healthcare needs related to hospitalization, while Medicare Part B will cover basic expenses jointly with the policyholder.
The 63-day rule states that you are eligible for the same coverage as your existing coverage if you decide to switch your plan. You have 63-days to get a new plan. If you don't get new insurance within this time period, then you aren't considered continuous. This means you may not receive the same coverage as your previous plan.
HIPAA stands for Health Insurance Portability and Accountability Act which protects the right of health insurance to employees in the event of job loss, change, relocation, divorce, or pregnancy. This law states that the policyholder is able to purchase a new Connecticut Health Insurance Plan before the old benefits die out. This is important because a lapse in coverage can cause a lot of problems if you have a pre-existing condition.
COBRA is an acronym for Consolidated Omnibus Budget Reconciliation Act. For employers to quality for this health insurance plan, they must have 20 or more employees. This law makes it possible for employees to continue health insurance coverage after leaving the company. Typically policyholders can still receive coverage up to 18 months, though the coverage time can be extended or minimized in different circumstances.
