Connecticut Health Insurance

Connecticut’s high cost of living doesn’t make it easy for residents to afford quality healthcare, but residents know all too well the value of quality health insurance coverage to protect themselves and their families. To keep things easy for residents of The Nutmeg State, The Simple Dollar has compiled tons of health insurance information and resources residents will benefit from. Read on to learn more about local resources and health insurance in Connecticut.

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Stats in Your State

The first step to understanding how health insurance works in Connecticut is by comparing rates and premiums in order to see where your policy premiums line up with the rest. Use the following graphs to compare essential statistics about health insurance and its costs.

Chip Medicaid

From 2009 to 2010, the number of Connecticut children enrolled in government administered health insurance plans increased from 285,000 to over 300,000. Thousands of Connecticut families depend on government-provided health care options for their children.

Individual Health Insurance Premiums

Compared with its neighboring states and the U.S. average, Connecticut insurance costs are slightly above average at $1,202 per month, but not nearly as high as Massachusetts or Rhode Island, whose rates are roughly $1,400 per month.

Family Health Insurance Premiums

At roughly $3,800 per month, family health insurance premiums in Connecticut were well under the national average in 2011, and well below the average cost of family health insurance in the Northeast.

SAHIE Health Insurance Uninsured

As many as 350,000 Connecticut residents have gone without health insurance in recent years. That's roughly 1 out of 10 state residents, underlining the need for affordable health care for Connecticut residents.

Rules in Your State

Rules and regulations for health insurance in Connecticut are fortunately very well defined and easy to understand, thanks to the state legislature’s straightforward approach. Read through the rules below.

Connecticut Rules: Alcohol & Your Health Insurance

Alcoholism is a significant issue in many states, and Connecticut is no exception. Fortunately, Connecticut’s health care regulations are very progressive when it comes to alcohol-related disorders, with treatment options being mandated for health insurance plans in the state.

Losses Due to Intoxication
Denial of benefits for covered losses sustained or contracted in consequence of the insured’s being intoxicated or under the influence of alcohol is specifically prohibited. In other words, insurers are liable for loss even if the insured was intoxicated or under the influence.

Health Insurance Parity for Alcohol-Related Treatment

  • Health plans must cover treatment of alcohol-related disorders, and insurers are required to provide the same levels of benefits for alcohol-related disorders as they do for medical and surgical conditions.
  • Health plans covering alcohol-related disorders may NOT be subject to higher deductibles, higher premiums, or overall financial limitations on treatment; however, insurers may limit the annual number of service visits or treatments for alcohol-related disorders.

Connecticut Mandated Health insurance Benefits
The above link outlines the required insurance benefits for Connecticut healthcare plans.

Additional Resources for Connecticut Citizens

Connecticut Insurance Regulations

Unfair Insurance Practices, Source: General Statutes of Connecticut, Title 38a, Chapter 704: Chapter 704 lays out specific unfair practices which insurers may not use when settling claims. If you feel your rights have been compromised, check through this section and contact the Insurance Department to file a complaint.

Health Insurance Statutes

Source: General Statutes of Connecticut, Title 38a, Chapter 700c
The health insurance statutes specify regulations for health insurance policies and how they must be structured.

Credit Life, Accident, and Health Insurance Statutes

Source: General Statutes of Connecticut, Title 38a, Chapter 700e
This chapter specifies how accident and disability health plans must be managed and structured.

Representatives & Resources in Your State

The following resources and representatives are great places for consumers to learn more about health insurance in Connecticut, and to seek assistance and information with claims and their policies.

Connecticut Insurance Department
PO Box 816, Hartford
CT 06142-0816
(860) 297-3800 or 1 (800) 203-3447
Contact Info Page
Consumer Complaint Resource
Use the above link to file a complaint and seek assistance from the Insurance Department with difficult claims.
Connecticut Healthcare Reform Frequently Asked Questions
The Insurance Department has compiled answers to frequently asked questions about how the Affordable Care Act will be affecting Connecticut health insurance in 2014 and 2015.
Health Insurance Information
The above guide provides a basic overview of different types of health insurance plans for Connecticut consumers.

Department of Social Services
Department of Social Services
25 Sigourney Street
Hartford, CT 06106-5033
Contact Info Page
Get Directions
The Department of Social Services aims to protect the welfare and safety of at-risk children and special needs adults across the state of Connecticut.

Department of Public Health
410 Capitol Avenue
Hartford, CT 06134
(860) 509-800
Contact Info Page
Get Directions
The Department of Public Health tracks the health of state residents and implements programs to raise awareness and institute healthy living practices.