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There are individual health plans that are sponsored by the State of Connecticut that do not deny based on pre existing conditions and that for many are more affordable than a private health insurance policy. Two of these programs are the Charter Oak Health Plan and the Husky program.

After many news reports and article after article full of information about the passing of the health care reform act many believe that that day and time came months ago. It hasn’t. At least not yet.

Many people think that having an insurance denial on their record is a “kiss of death” and prevents them from getting coverage from other carriers. This belief can cost you a lot of money if you have a major claim that could have been insured had you pursued other options.

One of the big problems with our current health insurance system is that health insurance is often tied to employment. This means that if you lose your job, you also lose your health insurance. It also means that if your employer cancels the health insurance for your company, you can lose your coverage due to no fault of your own.

Connecticut health insurance companies can drop you but only in certain circumstances. Insurance companies can drop you if you fail to pay your premiums on time or if you make a material misrepresentation.

You are not locked into an annual contract when you purchase a family or individual health insurance policy through us. Most policies are paid for on a monthly basis and can be cancelled at the end of any given month.

Today seniors can improve on Medicare Parts A and B by purchasing either a Medicare Supplement or a Medicare Advantage policy. Both types of policies are available through our agency.

If you only have Original Medicare, you have substantial coverage in the hospital as well as in the doctor’s office. This is not enough coverage for many Medicare Beneficiaries, however. If you only have Medicare Part A and Part B you may have a lot of expenses to pay that Medicare will not cover.

Tonik is an individual medical insurance policy offered by Anthem Blue Cross Blue Shield. It taps into their national network and has a lot of excellent features. There is a lot to like about the policy, but there are a few drawbacks.

In many cases this cost is higher than the cost of buying a health insurance policy one can purchase on their own.