Coverage

Coverage basics Insurance coverage does not guarantee  access to care. Also important are transportation, available appointments with appropriate providers at convenient hours, culture and language access, and sufficient funds to cover copays, deductibles, and other consumer costs. But having coverage, and the adequacy of that coverage, is critical to staying healthy and being able to…

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Insurance

Insurance Basics Health insurance covers the costs of medical care, after the patient pays their share through copays, deductibles, and/or coinsurance. Insurance in Connecticut is expensive, driven up by high prices for drugs and care from huge health systems. Federal and state laws require insurance plans to cover essential medical care, and the state regulates…

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Healthcare Costs

Healthcare Costs Basics Healthcare costs are rising more quickly than incomes, in Connecticut as for the rest of the US. Total healthcare costs per person in Connecticut are higher than the US average but are comparable to similar states and are growing less quickly. Medicare leads the state in per person cost growth. Despite spending…

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Structure of the healthcare system

Healthcare System Basics Connecticutā€™s health system, like the rest of the US, is fragmented and not well-organized. Care varies between primary, preventive care and more intensive specialty care, as well as between integrated, consolidated systems and independent providers. This fragmentation increases costs and poses a challenge to good patient care. Initiatives like Patient-Centered Medical Homes…

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Medicaid

Medicaid Basics Medicaid, also called HUSKY in Connecticut, covered 1.3 million people in 2022, one in three state residents, with a comprehensive set of covered benefits. Enrollment is expected to drop starting in 2023 as the COVID public health emergency ends. Medicaid eligibility is limited based on income and, for some members, assets. Medicaid is…

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Medicare

medicare explained

Medicare Basics Medicare is different from Medicaid in that it covers mainly seniors and people with disabilities, has no income limit for eligibility, has costs for most members, does not cover all services, and is run entirely by the federal government. Medicare members have a choice of traditional coverage operated by the federal government or…

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