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Frequently Asked Questions

 
Frequently Asked Questions  

Small Group Employer Coverage Policies

Does ConnectiCare cover health insurance for individuals?
Does ConnectiCare cover part-time employees?
Does ConnectiCare cover domestic partners?


Does ConnectiCare cover health insurance for individuals?
Yes, as of January, 2005, ConnectiCare introduced its HMO and POS product portfolio for individuals. There are 18 plan design options available to meet the needs of your clients. The applicants are medically underwritten - accept or deny only. In Connecticut only, group coverage is available to self-enployed individuals who work full-time (30 hours per week minimum) and have been operating in business for three consecutive months. You can obtain more information on these programs by contacting your Small Group Sales Representative. Massachusetts and New York do not offer individual plans or commercial group plans to employees with less than 2 eligible employees.
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Does ConnectiCare cover part-time employees?
Connecticut domiciled employer groups may decide to offer benefits to employees working 20 or more hours per week. When an employer chooses to extend benefits to part-timers, all employees must be treated equally with respect to participation, eligibility, and contribution. If an employer does not extend benefits to part-timers, then only those employees working 30 or more hours are eligible. ConnectiCare must be made aware of an employers decision to extend coverage to part-timers. This decision can be made at the initial effective date or upon renewal. Massachusetts domiciled employer groups may not offer benefits to employees working less than 30 hours per week.
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Does ConnectiCare cover domestic partners?
ConnectiCare offers Domestic Partner Riders to Massachusetts domiciled employer groups only. We do not recognize domestic partners for Small Groups in Connecticut or New York. The Massachusetts employer may elect this rider at the time of new enrollment our upon renewal. The employee must submit affidavit of eligibility with their enrollment paperwork.
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