Connecticut Health Insurance Coverage..
HealthInsureCoverage.com...

   If you are searching for ways to lower your health insurance costs and you live in the state of Connecticut then we here, at HealthInsureCoverage.com, are working hard to supply you with the information you need to make an informed decision regarding your health insurance needs and requirements.

What are the protections offered when buying group health insurance in Connecticut?

• Depends on your situation.
     Your protections will vary somewhat, depending on whether your plan is a fully insured group health plan or a self-insured group health plan. The plan's benefits information must indicate whether the plan is self-insured.
• You have to be eligible for the group health plan.
     For example, your employer may not give health benefits to all employees. Or, your employer may offer an HMO plan that you cannot join because you live outside of the plan’s service area.
• You cannot be turned away or charged more because of your health status.
     Health status means your medical condition or history, genetic information or disability. This protection is called nondiscrimination. Employers may refuse or restrict coverage for other reasons (such as part time employment), as long as these are unrelated to health status and applied consistently. However, if you work for a small employer in Connecticut, insurance companies must offer coverage to all eligible employees.
• Under Connecticut law, newborns and adopted children are automatically covered under the parents’ fully insured health plan, if your plan provides dependent coverage.
     The insurer may require that the parent enroll the baby within the 31 days in order to continue coverage beyond the 31 days.
• When you begin a new job, your employer may require a waiting period before you can sign up for health coverage.
     These waiting periods, however, must be applied consistently and cannot vary due to your health status.
• When you begin a new job with health insurance through an HMO, the HMO may require an affiliation period before coverage begins.
     During this affiliation period, you will not have health insurance coverage. An HMO affiliation period cannot exceed 2 months (3 months for late enrollees), and you cannot be charged a premium during it.
• Family and Medical Leave Act (FMLA)
     If you have to take leave from your job due to illness, the birth or adoption of a child, or to care for a seriously ill family member, you may be able to keep your group health coverage for a limited time. This is Federally mandated and guarantees you to up to 12 weeks of job-protected leave in these circumstances. The FMLA applies to you if you work at a company with 50 or more employees. If you qualify under FMLA rules you and your employer will continue to split the costs of your health care. If you decide to not come back after the leave period the employer could force you to repay their share of the coverage, unless the reasons are compelling enough and verifiable.
• Certain changes can trigger a special enrollment opportunity
  
  * The birth, adoption, or placement for adoption of a child
  * Marriage
  * Loss of other coverage (for example, that you or your dependents had through yourself or another family member and loss because of death, divorce, legal separation, termination, retirement, or reduction in hours worked)
  
  

HealthInsureCoverage.com offer's the latest information relating to health insurance coverage both, nationally and state-by-state.

HealthInsureCoverage.com offer's the latest information relating to health insurance coverage both, nationally and state-by-state.