Eligibility Requirements
- Must provide documentation indicating the employer meets the definition of a Connecticut small business (i.e Sole Proprietorship, Partnership, or Corporation; documentation requirements vary by business type)
- Eligible employees must work at least 30 hours per week on a regular basis
- Must complete Individual Family Health Statement(s) and enrollment forms
- Participation requirements vary by group size
Types of Health Insurance Plans Available *
- HMO HEALTH INSURANCE PLANS: A health insurance plan that requires members to seek care from a participating practitioner and facility. Authorization is required before seeking care when services are being rendered outside of the network. Includes prescription drug coverage.
- POINT-OF-SERVICE HEALTH INSURANCE PLANS (POS): A health insurance plan that allows members a choice by utilizing any health care provider. Members who choose a participating practitioner or facility will receive the highest level of benefits. Includes prescription drug coverage.
- PREFERRED-PROVIDER-ORGANIZATION HEALTH INSURANCE PLAN (PPO): A health insurance plan that allows members to have to option to choose any doctor from the PPO participating provider network, without a referral, and receive maximum coverage. Members will also have access to out-of-network providers; however, they receive a lower, out-of-network level of benefits. Includes prescription drug coverage.
- HEALTH SAVINGS ACCOUNT INSURANCE PLANS (HSA): An account that a member may deposit money to save for future medical expenses. HSA's work in conjunction with a HIGH DEDUCTIBLE HEALTH PLAN (HDHP). An HDHP is a health insurance plan in which the deductible is applied on a combined basis for Medical and Pharmacy expenses. Some types of preventative care are exempt from the plan deductible. Includes prescription drug coverage.
- DENTAL INSURANCE PLANS: A range of dental insurance plans featuring benefits for diagnostic and preventative services, plus benefits for basic maintenance, major procedures, and even orthodontia.
- VISION INSURANCE PLANS: A range of vision insurance plans offering high-quality benefits for eye care and eyewear.
- VOLUNTARY INSURANCE PRODUCTS: A range of insurance plans such as Life Insurance, Short Term & Long Term Disability, Accidental Death & Dismemberment, Personal Accident Indemnity Plan, Illness, Hospital Protection, Personal Cancer Indemnity Plan
* The above information is intended as a general overview and should be combined with a professional review of your individual needs to determine which plan and carrier would best suite you personally and financially.
