How To Get Covered Under Your Parents Plan In Connecticut
If youre under 26, you may stay on your parents health insurance plan. If you choose this option, make sure it provides the coverage you need. If youre over 26, youll need to get your own health insurance.
If you stay on your parents plan, make sure it covers doctors and hospitals near your school.
Other Options For Coverage In Connecticut
- Catastrophic health plan: If youre under 30, youre eligible for a catastrophic health plan. If youre over 30, you can apply for a hardship exemption. These plans have low premiums, and high deductibles and out-of-pocket fees.
- Short-term health insurance: Temporary health insurance or short-term health insurance offers temporary coverage for when you have a gap in permanent coverage. Its less expensive than other options, but its not required to cover preexisting conditions or preventive services like ACA plans do. You can purchase short-term plans from private insurers.
The Marketplace In Your State
No matter what state you live in, you can enroll in affordable, quality health coverage.
New Jersey: For 2021 coverage, use Get Covered NJ to enroll
Starting November 1, 2020, New Jersey residents will no longer enroll in coverage through HealthCare.gov. Instead, theyll use GetCovered.NJ.gov. Enroll for 2021 as soon as November 1, 2020.
Continue using HealthCare.gov for 2020 coverage information.
Pennsylvania: For 2021 coverage, use Pennie to enroll
Starting November 1, 2020, Pennsylvania residents will no longer enroll in coverage through HealthCare.gov. Instead, theyll use Pennie.com. Enroll for 2021 as soon as November 1, 2020.
Continue using HealthCare.gov for 2020 coverage information.
Also Check: How Much Does It Cost For Health Insurance
Choosing The Right Health Insurance Plan
Choosing the right plan means understanding your medical needs, including what healthcare providers and treatments youll use, and then figuring out your budget and if you are eligible for cost assistance. That will narrow down which tier of metal plan to get, then youll compare benefits of those plans.
As a rule of thumb we suggest a Silver HMO if you qualify for cost assistance. The more cost assistance you qualify for the more we suggest it as only Silver plans are eligible for Cost Sharing Reduction subsidies.
Before you read this section it is very important that you understand actuarial value. Actuarial value is the average amount a plan will pay for covered services for everyone using the plan, it is not what the plan will pay you specifically. Premiums and costs not covered by your plan dont factor into determining actuarial value, only costs insurers pay count.
Types of Metal Plans
Each metal plan has a minimum average actuarial value which can be used to tell how good a plan is, what type of subsidies it qualifies you for based on income, and if it provides minimum value.
NOTE: All marketplace plans have a maximum out-of-pocket cost no more than $6,600 for an individual and $13,200 for a family for 2015 and must provide at least ten essential benefits as part of their covered benefits.
1. Bronze plans split covered expenses 60-40 on average.
2. Silver plans split covered expenses 70-30 on average.
5. Catastrophic Coverage
Will My Family Members Qualify For The Same Health Plan That I Do
It depends. You can enroll as a family. But in some cases, some family members may also be eligible for subsidies or other programs, depending on age, income and disability, or caregiver status.HUSKY Health plans have their own provider networks, but there is a lot of overlap between their providers and those in the Access Health CT plans. This often allows family members on different plans to visit the same doctor or medical provider.This guide, originally published June 16, was updated on Oct. 1 to reflect the completion of the federal government’s temporary COBRA premium subsidy on Sep. 30.
Recommended Reading: How To Retire Early And Afford Health Insurance
Getting Health Insurance In Connecticut
This page assists consumers seeking health insurance plans in Connecticut. Here, you will find helpful information about the many kinds of health insurance coverage available. You can find an overview of the Connecticut health insurance marketplace and forthcoming open enrollment period, a look at the Medicaid expansion status in Connecticut, and a quick look at short-term health insurance available in the state.
Health insurance plans in Connecticut.
Choosing A Health Care Plan: How To Calculate The Cost Of Health Insurance
To get started youll want to figure out what your budget is for health care this year. Affordable health insurance is defined as 8% of your income . Take your income for last year and find out if you can afford to pay 8%, if not find a number that you feel you can pay. Now that you have an idea of what you can afford, its time to take a look at the cost calculator from the Kaiser Family Foundation to get an idea of what you will pay on the Connecticut health insurance exchange. This will give you an estimate of what you and your family will pay. Keep in mind that health, age and other factors can increase or decrease the cost of your insurance.
Don’t Miss: How Much Does Health Insurance Cost In Ct
Ct Small Business Health Insurance Plans
Connecticut Small Business Health Insurance Plans 2021. The following is an overview of the rules that govern small group health insurance plans in the State of Connecticut.
The information that is discussed below includes the laws that have been mandated by the Affordable Care Act , as well as the laws that are required by Connecticut State government.
If you own and operate a CT small business and you already offer small group health insurance or you’re thinking about offering small group health insurance – this guide can help you better understand the regulations, requirements and available Connecticut small business health insurance plans available.
Learn how to get Connecticut small business health insurance plans for 1 to 50 employees. The best small business health insurance providers in CT offer affordable rates, flexible coverage options and access to a large network of medical providers.
Below are some answers to commonly asked CT small business health insurance plan questions:
While there are several types of health insurance plans to choose from, the following plans are the most popular among CT small business owners:
Connecticut Small Business Health Insurance Plans – The Bottom Line
We strongly advise business owners to speak with a CPA and a CT health insurance broker before jumping in and getting any type of the Connecticut small business health insurance plans available.
Connecticut Health Insurance Guide And Resources
Connecticut residents and business owners can access quality healthcare coverage through the Connecticut health insurance marketplace. Access Health Connecticut is the states official marketplace, which aims to improve healthcare quality and reduce health disparities.
Types of Health Insurances Provided
- Employer-provided for you and your family
- Private health insurance for individual or family plans
- Visual insurance
- Dual Eligible Special Needs Plans
- Childrens health insurance program
There are many Connecticut health insurance coverage plans that are government-assisted in order to help those who dont have the means or resources to do so by themselves.
This is a government-assisted Connecticut care health insurance plan aimed at older adults aged 65 or above.
There are 2 main types of Medicare coverage: Original Medicare and Medicare Advantage Plan . There are particular situations when people tend to enroll in Medicare. In some situations, people might be able to get Medicare without even having to apply, while others will need to go through the application process.
This is a type of insurance program is designed for different groups of people.
HUSKY A coverage is for children, their parents and/or relative caregivers, as well as pregnant women.
HUSKY B, also known as Childrens Health Insurance Program, is for uninsured children under age 19 in higher-income households.
Recommended Reading: How To Get Your Parents On Your Health Insurance
Can You Get Short
In some states, you can purchase short-term health insurance as an alternative to traditional insurance policies. Cheaper than most insurance plans, short-term insurance plans can be a cost-effective option for some.
However, Connecticut has recently enacted some strict regulations regarding short-term insurance policies that limits their availability.
In 2018, the state ruled that short-term insurance plans had to cover essential health benefits, including hospital expense coverage, medical-surgical expense coverage, major medical expense coverage, hospital or medical service plan contract, or hospital and medical coverage provided to subscribers of a health care center.
The law also said that short-term insurers couldnt preclude individuals with pre-existing conditions unless the plan was less than six months in duration and was renewable.19
Is There Any Other Financial Assistance Available
Yes. If you qualify for a premium tax credit, you may also qualify for a cost-sharing reduction that would help you pay for such out-of-pocket expenses as deductibles and copays. You must enroll in a Silver-level plan to get this assistance.The state is also offering $0 health insurance plans for some families through its new Covered Connecticut program. Under this program, the state pays the monthly premiums and the cost-sharing amounts for families that have at least one dependent child in the household under age 19 and a household annual income that is greater than 160 percent, and up to and including 175 percent of the Federal Poverty Level. Read the full eligibility requirements. If youve collected unemployment benefits this year, even for just one week, you may qualify for an almost $0/month premium health coverage option, thanks to the American Rescue Plan. This subsidy will become available in July. If youve already received unemployment benefits this year while enrolled in a marketplace plan, youll be able to claim the additional subsidies for the months prior to July when you file your 2021 tax returns. This extra financial help will expire at the end of 2021.
Also Check: How To Get Health Insurance For My Parents
When Can I Start Using My Insurance
Once youve signed up for a plan and paid the first months premium, you or your child can start using the insurance. The insurance company should send you and everyone covered by your policy insurance cards with your policy number and other information. If you or your child need to see a doctor or go to a hospital before you receive your card, call your insurance company first to make sure your family has been entered into their system.
You should also make sure that any doctor you choose for you or your child is in your insurance plans network. A network is made up of doctors, specialists, and other health care providers who have agreed to work with your insurance company when it comes to payments and services. If you take your child to a doctor who isnt in your plans network, you may have to pay full price for some services.
Ask around and learn what you can about the in your plans network, and then choose a doctor you like. Once youve done that, schedule checkups and use your insurance to help keep your family healthy.
Is Health Insurance Mandatory In Ct
Connecticut Healthcare Insurance: What you need to know
There is no state law requiring employers to offer group healthcare insurance to their employees, but most employers do offer this benefit. An employers health plan is self-insured if the risk of paying claims is on the employer and not on an insurance company.
Recommended Reading: How To Sign Up For Free Health Insurance
Anthem Blue Cross Blue Shield Connecticut
This is one of the top health insurance providers in Connecticut, and it offers health coverage plans for you and your entire family. Anthem is also known as the largest for-profit managed health care company in the Blue Cross Blue Shield Association .
Anthem Blue Cross Blue Shield is known for its budget-friendly plans that look after your health needs and requirements. Even if you are looking for extra coverage options such as vision or dental insurance, theyve got you covered.
You can review their health plan options on their main website in order to be able to decide what works best for you and your family.
They have basic health insurance, vision insurance, dental insurance, travel medical insurance, supplemental insurance, group health insurance, Medicare, and Medicaid.
Some other coverage programs include:
Catastrophic Coverage Plans
This is a low payment option with a high deductible that offers protection during health crises. In order to be eligible for this plan, you must be below 30, exactly 30, or older than 30 with approval from Access Health CT.
Medicaid coverage applies to all those who are in need of income assistance, are disabled, or are suffering from a chronic condition.
What To Look For When Choosing A Policy
The important words to remember when shopping for a policy are premium and deductible. The premium is the amount you pay each month for coverage. The deductible is the amount you need to pay each year for medical services before your health insurance kicks in. As a general rule, insurance plans with low premiums have high deductibles, and plans with high premiums have low deductibles.
These are the basic levels of coverage:
- Catastrophic insurance is designed to protect an otherwise healthy person in the event of a major injury or illness. Its available only to people under age 30 and those who are exempt from other plans due to hardship. This type of insurance can have low premiums but very high deductibles. Plans generally cover less than 60% of the costs of health care.
- Bronze plans also have low premiums and high deductibles, but they offer better coverage than catastrophic insurance, typically paying for 60% of costs.
- Silver plans and gold plans have average-sized premiums and average-sized deductibles. Silver plans cover 70% of costs. Gold plans pay 80% of costs.
- Platinum plans, the highest level of coverage, have high premiums and low deductibles. These plans cover 90% or more of health care costs.
Connecticut Dental And Vision Plans
Dental and vision insurance plans, underwritten by Golden Rule Insurance Company, have no age limit restrictions.2 They offer coverage for the dental and vision services many medical insurance plans dont include.
From Bridgeport to Hartford, Stamford to New Haven, explore these Connecticut health insurance options and more that may be available now.
The Patient Protection And Affordable Care Act
How the Health Care Law is Making a Difference for the People of Connecticut
Preventing illness and promoting health
Since 2010, Connecticut has received $23.8 million in grants from the Prevention and Public Health Fund created by the Affordable Care Act. This fund was created to support effective policies in Connecticut, its communities, and nationwide so that all Americans can lead longer, more productive lives.
Increasing support for community health centers
The Affordable Care Act has increased the funding available to community health centers in all 50 states, including the 188 existing community health centers in Connecticut. Health centers in Connecticut have received $45.3 million to create health center sites in medically underserved areas, enabled health centers to increase the number of patients served, expanded preventive and primary health care services, and/or supported major construction and renovation projects.
Strengthening partnerships with Connecticut
The law gives states support for their work to build the health care workforce, crack down on fraud, and support public health. So far, Connecticut has received more than $81.2 million from the Affordable Care Act. Examples of Affordable Care Act grants not outlined above to Connecticut include:
Health Disparities and the Affordable Care Act
The Affordable Care Act has and continues to help reduce disparities by making improvements in:
Also Check: Can I Stop My Health Insurance Anytime
Applying For Obamacare In Connecticut
Make sure you have the following information about your and your family before visiting Access Health CT, your States official Health Insurance Marketplace.
Last years tax information for you and your family.
Projected incomes for this year.
Medical history ObamaCare does away with pre-existing conditions and gender discrimination so these factors will no longer affect the cost of your insurance. Smoking, family size and age may still affect your affect cost.
Social Security Numbers .
Employer and income information for every member of your household who needs coverage .
Policy numbers for any current health insurance plans covering members of your household.
A completed Employer Coverage Tool for every job-based plan you or someone in your household is eligible for.
Any other important information that could affect your health insurance premium or coverage options. Better safe than sorry!
Here is an example of the health insurance exchange application form for families.
Connecticut Insurance Exchange Subsides And Tax Credits
You can use the Access Health CT website to apply for coverage, compare plans, and enroll. When applying for a plan on the marketplace youll find out if you are eligible for subsidies which can lower what you pay for premiums and lower the out-of-pocket costs you are responsible for.
ObamaCare subsidizes those with incomes ranging from 139% to 400% of the FLP and helps to make Medicaid and CHIP available for those below the 139% mark.
In 2018 100% FPL was $12,140 for single person, the amount increases for each family member, and each year the federal poverty level is adjusted upwards.
Subsidies are given as refundable tax credits. Subsidies are given as refundable tax credits.
Learn more about ObamaCare Subsidies.
Recommended Reading: What Is Employer Group Health Insurance
Affordable Care Act Plans
You can sign up for an Obamacare plan through Connecticuts Health Insurance Marketplace, called Access Health CT, which offers coverage through Anthem BlueCross BlueShield and ConnectiCare Benefits, Inc.
There are five metal tiers of coverage: bronze, silver, gold, platinum and catastrophic. Each tier is based on the percentage the plan pays of the costs to provide essential health benefits. On average, bronze will pay for 60% of costs silver, 70% gold, 80%, and platinum, 90%.
If youre under 30 and/or qualify based on your income, you can opt for catastrophic coverage, which has a low monthly premium but offers only the lowest amount of coverage and doesnt help you pay the monthly premium. Access Health CT also includes a dental marketplace.
The benefits of getting your care through Connecticuts healthcare marketplace include:
- Tax credits that reduce your premiums, if you qualify based on income.
- Special enrollment periods for major life events. This allows you to sign up for a plan outside of the annual Open Enrollment Period,2 which in Connecticut runs from November 1 to January 15 of the following year. A SEP is available if you just moved to Connecticut just got married, divorced or legally separated youre pregnant or just had a baby or adopted a child or you lost your health coverage due to a job change. Youll typically have 60 days before or after one of these events to sign up for a plan.