Basic Health Information
Types of Coverage
Short term health insurance plans offer coverage for a limited time period and serve as an optimal solution for those between coverage plans or transitioning between jobs. Traditionally, short term health insurance normally provides coverage for up to six months, and up to 12 months at the most depending on the plan. If your coverage requirements extend beyond the 12 month period, you may wish to investigate longer term health insurance options such as our family health and individual health insurance plans.
Short term health coverage requires a shorter application process than longer term coverage, and is much simpler to complete. They are ideally suited to provide protection against unforeseen illnesses or accidents. As such, they do not normally cover physicals, immunizations, preventive care, vision, or dental care. In addition, a purchase of a short term health insurance policy will disqualify you from applying for guaranteed issue individual health plans also known as HIPPA plans. These types of plans are very expensive and are generally for those with preexisting medical conditions. If you plan to maintain your eligibility for coverage under a HIPPA plan, consult with your benefits advisor.
Short term health insurance plans do not generally offer coverage for pre-existing medical conditions which are conditions defined as those that have been treated in the last three to five years. If you currently have a medical condition, it is best to check whether or not you can extend your current insurance. Health insurance that is employer sponsored can be extended through a government regulated option known as COBRA. This option should be seriously considered if you have a preexisting medical condition.
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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Harrigan Insurance & Financial Services Inc.
1201 Boston Post Road
Milford, CT 06460
(Post Mall, Lower Level)
Monday-Thursday 9:30 a.m.-8 p.m.
Friday 9:30 a.m.-6 p.m.
Saturday 9:30 a.m.-4:30 p.m.