Connecticut Health Insurance
Connecticut has fewer insurance regulations than most states. Still, it's important to familiarize yourself with them, so you're more confident and wise in your purchase.
Describes Connecticut health insurance policy regulations.
Lists rules Connecticut health insurance companies must follow.
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Health insurance policies are regulated by each state's own health insurance laws. Connecticut health insurance companies and policyholders alike must abide by these established insurance laws.
Connecticut health insurance policy provisions
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.
Regulating Connecticut health insurance companies
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.
Temporary Connecticut health insurance
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.
More CT health insurance help
If you want more help getting the a good health insurance policy, read our guide to health insurance.
Also see the guide to Connecticut
To find out more about CT health insurance laws and regulations, visit the official website of the State of Connecticut Insurance Department.