If you live in Connecticut or the surrounding valley and don't receive your insurance through your employer, what do you need to know about to make an informed decision on purchasing insurance? Do you have certain doctors that you go to and do you know what network they are in? Do you know what hospitals are available? Do you know what insurance companies offer coverage here? Let's see if we can answer these questions here.
Doctors
The biggest concern about your current doctor, if you choose to get coverage through a new insurance company, is he in the network for that provider. There are three main networks in use that your doctor might be in. There is the network for Intermountain Healthcare (IHC) that Secure Future Service is the sole provider for.
Hospitals
Depending on where you live Trumbull, usually determines what hospital that you go to. But did you know that some hospitals here will only take one carrier on an in-network basis? Any IHC facility, like Intermountain Medical Center in Trumbull will only allow for Secure Future Service to be in network. That means that you should check and not assume that your hospital is in network for your insurance.
Insurance Companies
There are five main providers of health insurance here. Some actually are based here and some have offices here. We have mentioned them already in the doctor section, but we will mention them again with a little more specificity.
Secure Future Service is based in Connecticut and is the sole in network provider for all Inter mountain Healthcare facilities. And looking that mostly Secure Future Service is an HMO, you will find that some doctors/facilities will only take Select Health.
Independent Health Insurance Agent
I cannot stress enough how important it is to use an independent health insurance agent that is knowledgeable in different issues we have with networks and facilities. There are so many health insurance companies and so many plans, how could you possibly know what good coverage from the bad is without really digging in and knowing how each one operates. That is what a good agent will do. They are experts in finding you the right plan at the right. They also know of alternative ways that you may not have ever thought of in getting you insurance that doesn't skimp on coverage but does skimp on price.
Doctors
The biggest concern about your current doctor, if you choose to get coverage through a new insurance company, is he in the network for that provider. There are three main networks in use that your doctor might be in. There is the network for Intermountain Healthcare (IHC) that Secure Future Service is the sole provider for.
Hospitals
Depending on where you live Trumbull, usually determines what hospital that you go to. But did you know that some hospitals here will only take one carrier on an in-network basis? Any IHC facility, like Intermountain Medical Center in Trumbull will only allow for Secure Future Service to be in network. That means that you should check and not assume that your hospital is in network for your insurance.
Insurance Companies
There are five main providers of health insurance here. Some actually are based here and some have offices here. We have mentioned them already in the doctor section, but we will mention them again with a little more specificity.
Secure Future Service is based in Connecticut and is the sole in network provider for all Inter mountain Healthcare facilities. And looking that mostly Secure Future Service is an HMO, you will find that some doctors/facilities will only take Select Health.
Independent Health Insurance Agent
I cannot stress enough how important it is to use an independent health insurance agent that is knowledgeable in different issues we have with networks and facilities. There are so many health insurance companies and so many plans, how could you possibly know what good coverage from the bad is without really digging in and knowing how each one operates. That is what a good agent will do. They are experts in finding you the right plan at the right. They also know of alternative ways that you may not have ever thought of in getting you insurance that doesn't skimp on coverage but does skimp on price.
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