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Health Reform Plan Enrollment Help Connecticut

This post will explain some things about Health Reform Plan Enrollment Help Connecticut.  Crowe and Associates is an insurance agency that works with clients to help them find the best health reform plan available.  We provide quotes to clients, review the options as well as discuss plan benefits. During this process we point out the different plan types (Bronze, Silver and Gold) and  the companies that are offering them.   It is also important to take the clients situation into consideration when selecting a plan.  This can include but is not limited to checking doctor participation as well as coverage of specific medications.  There are many factors to weigh when choosing the best health care plan for you.  This is a very personal decision and includes things such as cost and amount of coverage you feel you need.

Once you choose a plan

We guide clients through the enrollment process on the Access Health website from start to finish.  This includes guidance on the steps to take once the online enrollment has been completed.   At times it may be to a clients advantage to shop for a plan off the exchange.   When this is the case, we are able to quote and enroll in any available off exchange plan as well.

We do not charge any type of fee for our services.  The insurance carriers pay us a commission directly and your monthly premiums are the same whether you work with our agency or not.    The commissions we receive are level which means we are paid the same regardless of the insurance company you choose or the amount of premium you pay.

If you need a quote or would like help enrolling in a plan you may either call our office at 203-796-5403 or email us at Edward@croweandassociates.com.    If you would like to come to our office, please contact us for an appointment.  Our address is…

Crowe and Associates

304 Federal Road, Suite 107

Brookfield, CT 06804

Access Health Reform Plans Connecticut

This post has some information about the Access Health Reform Plans Connecticut.  Access Health is the administrator of health reform plans through the Exchange in Connecticut.  They administer as well as oversee the enrollment process for those applying for a health reform plan through the health exchange. (Also known as Obama Care) Anyone can apply for insurance through the exchange but not all people are eligible for a premium subsidy.

This post will provide an overview of health reform plans, the enrollment process and premium subsidies in Connecticut. Please note this information is only applicable to Connecticut and is not applicable to any other state.

If you need a quote, want to enroll or have questions not addressed in this blog CLICK HERE   or call us at 203-796-5403

Health Exchange Plans – Important Things To Know

• Three companies participate in the Individual Exchange. They are Anthem BCBS, Conneticare and Healthy CT.
• You must go through the Access Health Website in order to apply for a plan through the exchange.   www.accesshealthct.com
• Premium subsidies are available to those that make below the income thresholds.  Premium subsidy simply means the Government/state will pay a portion of your monthly premium.
• These premium subsidies are only available to those on the Exchange
• The lower the applicants 2014 income, the higher the monthly subsidy they will receive. (Rates are based on your 2014 income)
• If income falls below minimum levels, the applicant and/or dependents may be placed on Husky A,B,C or D

Network Information

• The networks for the plans participating are NOT the same as their networks off the exchange.  For example:  You can not assume you doctor participates with Anthem on the Exchange just because he/she participated with Anthem off the Exchange.
• The Husky A and B network (Children enroll in A and B) has many more providers than Husky C and D (Adults enroll in C and D)

Enrollment Information

• You must apply through the Access Health website in order to apply for a plan on the exchange.
• Married couples must file a joint return in order to be eligible for a subsidy.
• Income will be verified in 2015.  If you under report your income, you may need to either pay back a portion or all of the income subsidy that you receive during the year.

If you need a quote, want to enroll or have questions not addressed in this blog either CLICK HERE ,  call us at 203-796-5403 or email us at Edward@croweandassociates.com.