Best Health Insurance Agencies in New Britain

Frequently Asked Questions

• Introduction

  If you're looking for health insurance for yourself or your family, an agent can help you save time, understand your options, and manage your costs. Insurance agents must be licensed in the state where they operate. They can provide information about on- and off-exchange plans to help you weigh all of your options, and they can see if you qualify for tax credits that can lower your monthly premiums. There's no cost to work with an agent, and they can help you save quite a bit by recommending the best plan for your needs. Here's what you should know before you get started.
  

• Where can New Britain residents obtain health insurance and potentially receive financial assistance?

  In New Britain, residents can explore, evaluate, and secure quality health and dental insurance via Access Health CT, the state's official marketplace. This platform is uniquely positioned to offer financial aid for eligible individuals, reducing their insurance expenses. Moreover, through this marketplace, those qualifying can join the HUSKY Health Programs, including Medicaid, the Children’s Health Insurance Program, and the Covered Connecticut Program, often at minimal or no charge.

• How does the Covered Connecticut Program assist New Britain residents with their health insurance expenses, and what are the eligibility criteria?

  For eligible New Britain inhabitants, the Covered Connecticut Program foots their insurance premiums and associated out-of-pocket costs. To be eligible, individuals must have incomes not surpassing 175% of the Federal Poverty Level but too high for Medicaid, utilize the complete financial aid available, and enroll in a Silver Plan.

• How does fluctuating monthly income affect eligibility for New Britain residents in the Covered Connecticut Program, and what benefits are offered?

  The eligibility of New Britain locals enrolled in the Covered Connecticut Program is unaffected by monthly income fluctuations since annual household income determines qualifications. Should significant yearly income shifts occur, it's vital to notify Access Health CT. Participants enjoy a double boon: the state covers their premiums and out-of-pocket medical costs. Plus, they receive dental benefits and non-emergency transportation without extra charges.

• Can New Britain businesses offer health insurance to out-of-state employees through Access Health CT Small Business plans?

  Yes. New Britain firms can extend Access Health CT Small Business health plans to employees outside Connecticut. However, these employees should scrutinize provider lists to ensure local services in their state are covered. Otherwise, they might need to get care in Connecticut. It's also vital to understand the terms for out-of-network care within chosen plans.

• Can New Britain residents retain their current doctor when switching Connecticut health insurance plans?

  New Britain inhabitants can continue seeing their preferred physicians even after shifting health coverage in Connecticut. First, verify if the physician is affiliated with the selected insurance network. Sticking with in-network doctors ensures lower out-of-pocket expenses. Conversely, opting for out-of-network doctors can significantly raise costs, potentially covering the medical fees.

• How can you find affordable health insurance? 

  Affordable insurance is available through employers, Medicare, Medicaid, and the federal Health Insurance Marketplace, which offers subsidies in the form of tax credits. You can also purchase coverage through private insurance companies and independent agents. Nearly half of all Americans have employer-sponsored health insurance, and about 10% of the population is uninsured.