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Connecticut Health Insurance

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Updated July 30, 2006

Connecticut Insurance Department

The Connecticut Insurance Department is responsible for regulating all types of insurance sold in the state of Connecticut - including health insurance policies.

If you are looking for health insurance coverage, they have lists of insurance agents and insurance companies licensed to do business in Connecticut. Go here to find out if your insurance company or agent is licensed in Connecticut.

If you are having trouble resolving a claims dispute with your insurer, you can file a complaint with the Insurance Department. You can download a consumer complaint form here.

Connecticut Insurance Department
153 Market Street
Hartford, CT 06103
Phone: 800.203.3447
http://www.ct.gov/cid/site/default.asp

U.S. Department of Labor

If you get your insurance through your job, your plan is also regulated by the U.S. Department of Labor's Employee Benefits Security Administration (EBSA). They make and enforce the rules that your employer must follow when offering health insurance coverage to employees - for example, your employer cannot single out an individual employee to exclude her from the plan because she (or one of her dependents) has a costly illness. Also, if there are 20 or more employees at your job, you should be offered COBRA continuation coverage when you leave your job. The EBSA works to make sure that all of this happens and your rights are protected.

If you have concerns about your employer's practices in administering your job-based health coverage - for example, if you think you should have been offered COBRA continuation coverage, but were not, or if you feel that you were wrongly terminated from your health plan - contact your regional EBSA office.

U.S. Department of Labor Employee Benefits Security Administration
Boston Regional Office
J.F.K. Building, Room 575
Boston, MA 02203
James Benages - Director
Tel 617.565.9600
Fax 617.565.9666
http://www.dol.gov/ebsa/

Connecticut Health Reinsurance Association

The Connecticut Health Reinsurance Association (HRA) offers coverage to individuals who have been rejected for individual policies because of preexisting health conditions. HRA also covers “HIPAA eligible individuals” who have left group health coverage AND fully exhausted all COBRA or state continuation coverage for which they are eligible. For more details on HRA eligibility requirements, contact the HRA by phone or visit their website.

Connecticut Health Reinsurance Association
100 Great Meadow Road, Suite 704
Wethersfield, CT 06109
Phone: 1.800.842.0004
http://www.hract.org/hra/index.htm

Buying Individual Policies in Connecticut

Unfortunately, Connecticut law allows insurers offering individual policies to reject applicants for having preexisting medical conditions. The Connecticut Health Reinsurance Association is required to accept applicants with preexisting medical conditions, as well as "HIPAA-eligible" individuals. "HIPAA-eligible" individuals are those who have left group health coverage AND fully exhausted all COBRA or state continuation coverage for which they are eligible.

Connecticut HUSKY Plan - the state Children's Health Insurance Program

HUSKY provides health insurance coverage for children under age 19 whose family meets certain income guidelines. In addition, parents, relatives, caregivers, and pregnant women can also qualify for HUSKY coverage.

Connecticut HUSKY Plan
P. O. Box 280747
East Hartford, CT 06108
Phone: 877.CT.HUSKY
http://www.huskyhealth.com/

Connecticut CHOICES Program

The Connecticut CHOICES Program provides free one-on-one counseling for Medicare beneficiaries with questions about any aspect of Medicare, including the new Part D prescription drug benefit, or Medigap coverage.

Connecticut CHOICES Program
Phone: 800.994.9422
http://www.medicareadvocacy.org/CHOICES/ChoicesHome.htm

Connecticut Medicaid

Medicaid is a government program designed to help the poor and indigent obtain health care services. Pregnant women and children under age 19 who meet certain income requirements may be eligible for Medicaid coverage, along with aged, blind, and disabled individuals. For more information about eligibility, contact your local Department of Social Services office.. You can also find out more about Connecticut Medicaid by downloading a brochure here.

Connecticut Department of Social Services
25 Sigourney Street
Hartford, CT 06106-5033
http://www.ct.gov/dss/cwp/view.asp?a=2353&q=305218

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