CT Health Insurance
No one wants to find themselves without health insurance if they get in an accident or need to visit a doctor. Still, it’s not an option for people who can’t pay expensive premiums. If you’re on a budget, check out some of the most affordable health insurance in Connecticut so you don’t get stuck with costly medical bills.
Health insurance often covers everything from appointments with a counselor to outpatient services. It depends on your medical needs. Compare the following options to see what’s available at a price you can afford.
1. HUSKY Health
Connecticut offers an in-state Medicaid program called HUSKY Health. Parents, children and some pregnant women may qualify for extensive coverage depending on their annual income. Three different plans cover various services, such as hospital stays, speech therapy and home health care, in addition to standard coverage. See what each policy includes and compare them with your budget to find the best fit.
Those looking for an in-state based health insurance company can learn about ConnectiCare. The Connecticut health providers partner with state and national networks so clients can receive care anywhere they go. During applicable enrollment periods, anyone can apply for its plans. Individuals and families will find discounted premiums for appointments, prescriptions and urgent care. Older adults may also sign up for Medicare Advantage through ConnectiCare.
3. COBRA Insurance
The Consolidated Omnibus Budget Reconciliation Act (COBRA) guarantees health coverage for terminated employees and sometimes their dependents. You may apply for this insurance after a qualifying event, like quitting a job or being laid off for reasons besides gross misconduct. If you become a beneficiary, you’ll get extended insurance through whatever plan your former employer offered, which prevents confusion and possible loss of prescription coverage.
4. CHOICES Program
CHOICES is the Connecticut state health insurance program for caregivers, families and Medicare-eligible adults. If you’re eligible for this program, you’ll receive unbiased and free services across the state. Mental health care, preventive services and educative lessons are all included. Contact a representative for counseling and to see if you can get dental and vision coverage included.
Connecticut Medicaid offers coverage for low-income residents and people with disabilities. There are multiple plans to choose from if you need health care assistance. Anyone wondering if they should apply can check the household income table to better understand where they stand. Representatives are available to answer any questions you might have about this program.
6. Anthem Insurance
Sometimes it’s difficult to afford health insurance when you have specialized needs. Although the Affordable Care Act normally covers these concerns, you might feel out of luck if you exceed the income requirements. Anthem insurance might help with that.
The company designed several specific plans for people who rarely need a doctor and patients requiring specialized care. Connecticut residents can compare them to find one that works with their preferred providers.
You can also find health insurance through a national company like UnitedHealthcare. It has many tiered options for clients at a range of prices. Depending on your needs, you can apply for insurance through the Affordable Care Act or get short-term health coverage through its Gold Rule partnership.
Medicare and Medicaid plans are also available for individuals ages 65 and up. The qualifications will be tighter, but it’s still accessible to those who need it.
8. Aetna Insurance
Aetna strives to provide all individuals with affordable monthly premiums. Connecticut residents get specific insurance plans that cover a range of medical expenses and low deductibles. Supplement your low premiums with an annual deductible you can afford or get quality prescription coverage for a $50,000 yearly maximum. Members get exclusive perks, like access to an activity tracking app and discounts for healthy habits.
Enjoy Affordable Health Insurance in Connecticut
There are many options for affordable health insurance in Connecticut. Now that you’ve read about these companies and plans, compare what they cover. You’ll find different monthly and annual premiums that might fit your budget better than what you currently have. With a little time spent researching, you’ll find the health care you need for a price you can afford without extra financial stress.