If you can get your health insurance through your work, you should. Employer-based health insurance is free from the hassles with pre-existing conditions that Group health insurance CT customers face, and is often paid for as part of your benefits package. But people whose employers don't offer CT insurance need coverage, too.
People working in non-traditional jobs, such as those who are contract employees or the owners of small businesses, join with those who hold more traditional jobs without benefits in needing Group health insurance in Connecticut. To cover them, insurance companies offer privately purchased plans. The problem with these plans, though, is that the insurance company decides whether to cover you or not, thus excluding those who need it the most.
The new health care bill that was signed in early 2014 in the Connecticut will make sweeping changes across the field of health insurance. But until the changes go into effect, Group insurance is still sometimes difficult to get, and hard to understand. For healthy people who don't smoke and aren't over a certain age, Group insurance is easily available. Unfortunately, if you don't meet those qualifications, insurance is suddenly nearly completely unavailable. If you have had trouble getting coverage for a long period of time because of a pre-existing condition, some states and now the federal government, as part of the health care act, provide plans. But these plans are expensive and come with requirements, such as having been uninsured for six months or more.
If you're one of the lucky ones who can qualify for Group insurance, the question changes to which plan do you need. Plans come in all prices on the spectrum, from incredibly expensive to fairly cheap. Cheap plans are sometimes not very good plans, but other times, they just have sky-high deductibles. The difference is quite important.
High-deductible plans sometimes offer good coverage for people who can't afford higher monthly prices, and probably won't use their insurance. For those who anticipate needing extensive medical care, a plan with a higher monthly rate but a lower deductible will often cost less in the long run. As high deductibles run up into the thousands, the savings can be considerable.
People working in non-traditional jobs, such as those who are contract employees or the owners of small businesses, join with those who hold more traditional jobs without benefits in needing Group health insurance in Connecticut. To cover them, insurance companies offer privately purchased plans. The problem with these plans, though, is that the insurance company decides whether to cover you or not, thus excluding those who need it the most.
The new health care bill that was signed in early 2014 in the Connecticut will make sweeping changes across the field of health insurance. But until the changes go into effect, Group insurance is still sometimes difficult to get, and hard to understand. For healthy people who don't smoke and aren't over a certain age, Group insurance is easily available. Unfortunately, if you don't meet those qualifications, insurance is suddenly nearly completely unavailable. If you have had trouble getting coverage for a long period of time because of a pre-existing condition, some states and now the federal government, as part of the health care act, provide plans. But these plans are expensive and come with requirements, such as having been uninsured for six months or more.
If you're one of the lucky ones who can qualify for Group insurance, the question changes to which plan do you need. Plans come in all prices on the spectrum, from incredibly expensive to fairly cheap. Cheap plans are sometimes not very good plans, but other times, they just have sky-high deductibles. The difference is quite important.
High-deductible plans sometimes offer good coverage for people who can't afford higher monthly prices, and probably won't use their insurance. For those who anticipate needing extensive medical care, a plan with a higher monthly rate but a lower deductible will often cost less in the long run. As high deductibles run up into the thousands, the savings can be considerable.
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