Connecticare Health Plans

Medical underwriting for Connecticare health insurance in Connecticut

Connecticare health plans has some of the lowest pricing and because of their underwriting criteria is more difficult. A Connecticare health insurance policy is either issued to you, or it can be declined. However, Connecticare covers all pre-existing conditions that are reveal on the application. Each insurance company varies as to what conditions they consider risky. The worst case is if they decline you coverage. This could affect your ability to purchase insurance in the future. At Creative Health Insurance, we will prescreen your application with the Connecticare Underwriters when necessary. This way, you can choose a plan knowing that Connecticare is more likely to accept you.

Should you buy health insurance from a broker?

Using a health insurance broker can help you tremendously.The price of health insurance in Connecticut is fixed by law - you cannot find a better price anywhere for the same product. The insurance companies will pay the agent/broker a 2% to 5% commission to help you find the best medical plan for you and your family. A local health insurance broker knows all the health plans and companies in your area. The best place to buy health insurance is from a broker that specializes in health insurance in your state.

No. it is not better or easier. The employees of the insurance company's who underwrite or answer calls on claims do not know who the agent is. They underwrite the application and service the people equally. Actually, you going directly through websites or going to Insurance companies without using a health insurance agent to prescreen your application is the most common way to be declined insurance unnecessarily.