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Population: 3,504,809
(Source: U.S. Census Bureau)
Uninsured: 362,000
(Source: U.S. Census Bureau)
Health Benefits Direct is a licensed insurance broker for Connecticut health insurance policies. Click here to view our registration with the Connecticut Office of Insurance (We're listed as HBDC). |
Connecticut has the 34th highest number of uninsured in the U.S.
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Health Insurance News in Connecticut
Buying Individual Insurance Policies in Connecticut
State regulation of individual health insurance differs greatly from state to state. For you, this means certain conditions or providers covered in one state may not be covered in another.
Each state has its own health insurance mandates. Those mandates require that insurance companies and health plans cover, or offer coverage for, certain conditions, benefits, providers and patient populations.
Here is a list of mandated and non-mandated conditions, covered persons and providers in Connecticut:
(Source: Health Insurance Mandates in the States 2008¹, Council for Affordable Health Insurance. Last updated Jan 2008.)
| Mandated (Covered) Conditions |
Non-Mandated Conditions |
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- Alcoholism
- Ambulance Services
- Breast Reconstruction
- Cervical cancer/HPV Screening
- Clinical Trials
- Colorectal Cancer Screening
- Contraceptives
- Dental Anesthesia
- Diabetic Supplies
- Drug Abuse Treatment
- Emergency Services
- Hair Prostheses
- Hearing Aid
- Home Health Care
- In Vitro Fertilization
- Lyme Disease
- Mammogram
- Mastectomy
- Mastectomy Stay
- Maternity
- Maternity Stay
- Mental Health General
- Mental Health Parity
- Off-Label Drug Use
- Orthotics/Prosthetics
- Ostomy Related Supplies
- PKU/Formula
- Prostate Cancer Screening
- Rehabilitation Services
- Well-Child Care
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- Alzheimer's
- Ambulatory Surgery
- Anti-Psychotic Drugs
- Autism
- Birthing Centers/Midwives
- Blood Lead Poisoning
- Blood Products
- Bone Marrow Transplants
- Bone Mass Measurements
- Cancer Medications
- Chemotherapy
- Chlamydia
- Cleft Palate
- Congenital Bleeding Disorders
- Diabetes Self Management
- Early Intervention Services
- Habilitative Services
- Hospice Care
- HPV Vaccine
- Kidney Disease
- Long Term Care
- Minimum Hysterectomy Stay
- Minimum Testicular Cancer Stays
- Morbid Obesity Treatment
- Neurodevelopment Therapy
- Newborn Hearing Screening
- Newborn Sickle-Cell Testing
- Other Infertility Services
- Ovarian Cancer Screening
- Port-wine Stain Elimination
- Prescription Drugs
- Psychotic Drugs
- Second Surgical Opinion
- Smoking Cessation
- TMJ Disorders
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| Mandated Covered Persons |
Non-Mandated Covered Persons |
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- Adopted Children
- Continuation/Dependents
- Continuation/Employees
- Dependent Students
- Handicapped Dependents
- Newborns
- Non-Custodial Children
- Domestic Partners
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- Conversion to Non-Group
- Grandchildren
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| Mandated (Included) Providers |
Non-Mandated Providers |
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- Chiropractors
- Dentists
- Marriage Therapists
- Nurse Midwives
- Nurse Practitioners
- Occupational Therapists
- Optometrists
- Pain Management Specialist
- Physical Therapists
- Psychiatric Nurse
- Psychologists
- Public or Other Facilities
- Social Workers
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- Acupuncturists
- Chiropodist
- Denturists
- Dieticians
- First Nurse Assistant
- Lay Midwives
- Licensed Health Professional
- Massage Therapists
- Naturopaths
- Nurse Anesthetists
- Nurses
- Opticians
- Oral Surgeons
- Osteopaths
- Pastoral Counselor
- Pharmacists
- Physician Assistants
- Podiatrists
- Professional Counselors
- Speech or Hearing Therapists
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Although health insurance coverage for a particular condition or provider may not be mandated in your state, insurance carriers may still provide coverage for the condition or provider. Please keep in mind that major medical health insurance plans are subject to health underwriting and that mandates do not necessarily guarantee coverage. If you're not sure whether you could receive coverage, one call to Health Benefits Direct can help you determine if you're eligible to buy an individual health insurance policy in Connecticut.
Health Benefits Direct provides free health insurance quotes on affordable health insurance plans for Connecticut residents. We work with highly rated insurance carriers to deliver quality health insurance plans to families and individuals across Connecticut.
¹Authors: Victoria Craig Bunce & JP Wieske
Please note that information contained on this page can change at any time. Consequently, while we seek to present as up-to-date information as possible, Health Benefits Direct in no way warrants the accuracy of the information.
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