Best Health Insurance Agencies in Norwalk

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.
  

• What types of individual and family health insurance policies are available in Norwalk?

  In Norwalk, some health insurance options for individuals and families are managed care and indemnity plans. Managed-care plans often leverage healthcare provider networks to offer patients medical services at pre-negotiated prices. For indemnity plans, individuals may be required to make upfront payments and then submit claims for reimbursement to their health insurance provider because these only pay their portion of the costs for covered treatments after receiving a bill.

• Do you have to purchase health insurance in Norwalk if you apply for one?

  If you apply for health insurance in Norwalk, you are not required to purchase it. You can withdraw your application at any moment during the enrollment process after you've submitted it. Most insurance providers won't debit your account, deposit your check, or charge your credit card unless they have given you the go-ahead. The insurance provider will refund you if you pay a fee but decide not to enroll in the plan.

• If you have a health insurance plan, can you still purchase voluntary health insurance in Norwalk?

  Even if you have a health insurance plan, you can still purchase voluntary health insurance in Norwalk. Voluntary health insurance will supplement your coverage by covering gaps and offering other advantages your insurance might not have. Typically, voluntary health plans cover prescription medications, vision, dentistry, or complementary therapies.

• Is it possible in Norwalk to obtain health insurance simply for your child?

  You may obtain health insurance in Norwalk specifically for your infant only. There are a few alternatives to think about when it comes to baby health insurance. You can acquire an individual health plan and limit the coverage to only your child. Alternatively, if your income is below a threshold, you can acquire free or affordable coverage through Medicaid or the Children's Health Insurance Program.

• Does a health plan received via the Norwalk Marketplace immediately take effect the day after quitting your job?

  Norwalk's health insurance exchange marketplace plans do not begin on the day you leave your job. Instead, they go into effect on the first of the month after the termination of your employer-based insurance. For instance, if you lose your health plan on April 8 and choose insurance from the marketplace by April 30, your coverage will begin on May 1.

• 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.