What is health insurance, How to get health insurance

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What is health insurance?

What is Health Insurance

Health insurance covers costs of medical care for illnesses, injuries, and health conditions. What costs, how you will share those costs, and more information is in your policy and its summary of benefits. 

We put together these guidelines so you can find a plan that works for you and make the most of your coverage. Find more information and tips in our blog.

How do I pick the best health insurance plan for me?

People get health insurance in different ways, including:

 State health insurance marketplaces

The Connecticut marketplace, also called the “exchange,” is Access Health CT. It provides health plan shopping and enrollment services through its website and call center, plus in-person help during the annual open enrollment period. 

If you live in another state, go to healthcare.gov to find out where to shop.

Private health insurance marketplaces

Private health insurance exchanges are usually designed to serve many employers. Most people only use them when signing up for job-based health insurance.

Employers

Employer-sponsored health insurance is selected by your employer and offered to eligible employees and their dependents. These are usually called “group plans.”

1. Know your personal health needs. Review the medical history, prescription medicines, and health care goals of everyone you’re seeking coverage for. This may help you balance your costs with your coverage needs.

2. Know who is being covered. At ConnectiCare, we offer group plans for groups, plans for individuals shopping on Access Health CT, SOLO individual plans, and plans sold through some private exchanges, such as CBIA’s Health Connections.

 3. Find out if you qualify for financial help. For Connecticut residents, Access Health CT is the only place you can get financial help to pay for your coverage.

4. Visit the health insurance section of our blog. There’s information on how to get started with your plan, how to make the most of your benefits, and more about health insurance.  

With the right information and research, you can compare plans to find one that works best for you. Look up the plan documents for information on how you and the health plan will share costs. Knowing some basic health insurance terms will help. Find them below:

  •  Copay: A fixed amount paid by a patient for receiving a particular health care service, with the remaining balance covered by the person's insurance company.
  • Deductible: A fixed amount a patient must pay during a given time period, usually a year, before their health insurance benefits begin to cover the costs.
  • In-network: When a doctor, hospital or other provider accepts your health insurance plan we say they’re in network. We also call them participating providers.
  • Out-of-network: When you go to a doctor or provider who doesn’t take your plan, we say they’re out of network.
  • Premiums: The amount of money an individual or business pays for an insurance policy.
  • Coinsurance: The percentage of costs of a covered health care service you pay after you've paid your deductible.

Have another term you want to look up? Check out our health insurance glossary.

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