Long Term
Harrington Insurance offers long term health insurance coverage in Milford, New Haven, CT, and the surrounding areas. Our plans feature low co-pays for both doctor’s visits and prescription drug visits. In general, our long term health plans cover both inpatient and outpatient care.
Types of Plans
HMO
- An HMO is a managed care plan providing care for enrollees through contracts with specific health care providers to offer designated benefits. HMOs traditionally require that enrollees see a primary care physician (PCP) who is chosen by the plan member who will then refer them on to a specialist, if needed.
PPO
- A PPO gives you the option to see doctors either within your network or outside of it. These health care providers are those that have been contracted by the health insurance company in order to provide health care at a reduced cost. In traditional PPOs, you can see any network doctor, and will not be required to select a primary PCP. In general, you will pay smaller co-pays, as well as a deductible prior to benefits being paid. If you seek services outside of the PPO network in Milord, or New Haven, CT, your payment amount will be higher.
POS
- Also called a Point of Service Plan is similar to a combination of a PPO and an HMO. POS plans offer lower health costs but you are required to seek health care from providers within the managed service plan. A PCP must be selected during the course of coverage under a POS. The primary care physician can make referrals outside of the network; however not all out of network referrals will be covered.
HSA
- Health savings accounts combine a tax-favored savings account with high deductible health insurance. The money placed in the savings account is used to help pay the deductible and if the deductible is met, the insurance coverage begins.
Harrigan Insurance proudly offers health insurance options in Milford, New Haven, CT, and the surrounding areas. Fill out the form below so you can see just how reasonable your coverage can be.
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