There are currently eight private health insurance companies that insure families and individuals on policies that are not sponsored by employers and that are available in the State of Connecticut. According to the Connecticut Insurance Department, the companies are:
- Aetna Life Insurance Company
- American Republic Insurance Company
- Anthem Blue Cross Blue Shield of CT
- Celtic Insurance Company
- Connecticare Insurance Company
- Connecticut General Life Insurance Company (Cigna)
- Golden Rule Insurance Company
- Time Insurance Company
As brokers, we can help you buy health insurance coverage and answer your questions about any of the policies offered by these companies.
Which is the Best CT Health Insurance Company?
None of these companies is best for everyone. Insurance rates are determined by a combination of your health status, your age, your gender and the town you live in. This means that the company that is best for your next door neighbor may not be best for you.
Health Insurance Prices
These factors affect price. A person who is healthier and younger is likely to pay less for coverage. A person who lives in an area where she is more likely to see a more expensive doctor is likely to play more for coverage. All these factors combine to help determine rates for health insurance.
Each company rates differently and gives different weight to the different factors. For that reason we cannot say that one particular company will be less expensive than another without knowing more about you, but we do offer free online health insurance quotes that can answer this question for you.
We get asked most often about health insurance prices, but there are other factors that you should consider before making a decision about your coverage. One factor is the availability of network doctors and hospitals. Another is whether or not you will be approved for coverage.
Health Insurance Doctors Networks
We find that our clients tend to be happier with the availability of network doctors when they purchase policies from Anthem Blue Cross, Connecticare or Aetna. The other companies have good networks in Connecticut, but may be less likely to include your physician in their networks.
Health Insurance Coverage and Underwriting
Certain medical insurance companies will not place elimination riders on their policies. These companies are Aetna, Anthem Blue Cross and Connecticare. This means that if you have a medical condition they are more likely to be able to cover that condition than one of the other companies.
However this isn’t necessarily a good thing for everyone. These companies cannot eliminate coverage for specific conditions on a case-by-case basis. However they do not have to approve every policy. This means that they many not approve an applicant that another insurer with more flexibility in this area would accept.
Factors such as price, availability of doctors and quality of coverage should all be a part of your decision-making process when it comes to buying health insurance. Since we cannot make blanket statements that apply to all of our fellow Connecticut residents, you may want to take advantage of a free phone consultation with myself (Alston Balkcom) or my son (Joel Balkcom).
Call My Son or Me for Health Insurance Advice
We want to help you find the best CT health insurance company for yourself and your family. Please give us a call at 203-374-3645 when you have questions or want recommendations specific to your situation.