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CT medical insurance quotes & plans

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CT medical insurance quotes and plans

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If your employer in CT does not offer group medical insurance, or if the insurance offered is very limited, you can buy an individual or family medical insurance policy. Typically available are fee for service, HMO, PPO, or POS protection. As individual CT medical insurance plans may not offer benefits as broad as those in group plans, it is wise to consider available options carefully and fully understand the medical policy being presented.

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Americans age 65 or older in CT and people with certain disabilities can be covered under Medicare, a Federal medical insurance program. People covered under Medicare now have a choice between managed care and indemnity insurance plans. You can switch plans for any reason. However, you must officially tell the plan or the local Social Security office, and the change may not take effect for up to 30 days. For those people enrolled in CT Medicare's indemnity plan, there are private insurance options that help cover some of the gaps in Medicare coverage.

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COBRA Consolidated Omnibus Budget Reconciliation Act of 1986. Terminated employees or those who lose coverage because of reduced work hours may be able to buy group coverage for themselves and their families for limited periods of time. For more information, see www.dol.gov


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