CT Group Health Insurance Agent

Stamford Insurance Group has been helping Connecticut businesses with their
employee benefit needs for over a decade. Our group insurance staff offers over fifty
years of combined employee benefits experience. Some of our staff have worked for
the nation's largest insurance carriers, while others have considerable experience on
the broker side, handling the needs of small-to-medium-sized employers. This unique
combination of experience allows us to forge strong relationships with many insurance
carriers, while maintaining our primary focus of serving the employer's needs.

Employee benefits are an important factor to any business in hiring
and retaining a good work force. Every Connecticut business needs to
review periodically their employee benefit health insurance plan to
ensure that this major expense continues to offer the highest quality
group health insurance.

We also will assist your benefit administrator in answering employees
questions and requests pertaining to health insurance.

PPO Plan Features (Group Health Insurance)

PPO Plan Overview (Group Health Insurance)

A PPO group health insurance plan is recommended
for businesses wanting to offer their employees
convenient access to quality medical care with
effective medical management, a large and diverse
network of primary care physicians, medical
specialists, hospitals and clinics.

An employee can see any health care professional in
the network any time they choose to make an
appointment. They don't need referrals for specialists
or other services as required in an HMO. An
employee can see doctors or specialists outside your
PPO network, however, your employees portion of the
costs will be higher.

HMO Plan Features (CT Group Health Insurance)

HMO Plan Overview (CT Group Health Insurance)

HMO group health insurance helps your Connecticut business control
health care costs through a closely managed plan with an emphasis on
preventive care. Each employee selects a Primary Care Physician
from a network of providers. The Primary Care Physician can
coordinate the total care of the employee to help ensure appropriate
care is received. An employee may also seek care from any provider
in the network without a Primary Care Physician referral, subject to a
higher out-of-pocket expense.

Subscribers to an HMO receive medical services from participating
physicians, clinics and hospitals. An employee chooses a primary care
physician from a list of participating doctors. That doctor is used for
typical circumstances such as annual exams and usual health issues. If
the employee needs to see a specialist, be hospitalized, or have lab or
X-ray work, their doctor will refer them to a provider or facility within
the HMO system. Your employees doctor must give authorization for
those services to be covered by your HMO. In other words, an
employee must see HMO approved physicians and use HMO approved
facilities or pay the entire cost of the visit themselves.

Similar to Point-of Service (POS) and PPO's, HMO's have made
arrangements for lower fees with a network of health care providers and
give their policyholders a financial incentive to stay within that network.

A POS group health insurance plan allows employees the option of
accessing any medical provider without a primary care physician
referral and receive the highest benefit level. Similar to an HMO, it
stresses preventive care and offers closely managed benefits. A POS
health insurance plan also pays benefits for out-of-network care, but at
a lower level than for in-network care.

Costs that exceed the deductible are covered by a co-insurance plan in
which your employee and the insurance company share the cost for
services covered by the policy. Also, some services such as emergency
room, mental health and chemical dependency services, may carry
additional costs in a POS health insurance plan.

Click on the link below to fill out a quote form for an employee benefit
health insurance plan that truly provides first class health insurance
coverage at an affordable cost for your Connecticut businesses most
important assets, your employees. Or contact a Group Health Insurance
Specialist at one of our Connecticut locations to discuss the features.

Answer a few questions and we will
provide you with a quote for the personal
or group insurance you're interested in.
Use the menu above to reach an
insurance quote request form.

Privacy

We offer affordable employee benefit services to businesses in the following
Connecticut counties and cities: Fairfield County, New Haven County, Litchfield
County, Middlesex County, New London County, Hartford County, Tolland
County, Windham County, Stamford, Norwalk, Greenwich, Darien, Riverside,
Belltown, Springdale, Round Hill, Old Greenwich, East Norwalk, New Canaan,
Glenville, Byram, Cos Cob, Mianus, North Stamford, Glenbrook, Wilton, Weston,
Long Ridge, Noroton, West Norwalk, Westport, High Ridge, Southport, North
Wilton, Winnipauk, Cannondale, Turn of River, South Wilton, Lyons Plains,
Georgetown, Ridgefield, Branchville, Redding, Topstone, Ridgebury, Redding
Ridge, Branchville, Dodgingtown, West Redding, Titicus, Hattertown, Bethel,
Danbury, New Fairfield, Newtown, Hawleyville, Botsford, Monroe, Bridgeport,
Stepney, Shelton, Huntington, Upper Stepney, Long Hill, Trumbull, Stratford,
Easton, Fairfield, Greenfield Hill, Stratfield, Nichols, Oronoque, Rivercliff, Devon,
Lordship, and East Bridgeport, New Haven, Hartford, Torrington, Waterbury,
Meriden, New Britain, New London, Norwich, Manchester, East Hartford, Suffield,
Granby, West Haven, West Hartford, Branford, East Haven, Hamden,
Woodbridge, Orange, North Haven, Groton, Rocky Hill, Newington, Wethersfield,
Glastonbury, Bloomfield, Blue Hills, South Windsor, Naugatuck, New Hartford,
Chesire, East Lyme, Old Mystic, Wallingford, Southington, Middletown, Bristol,
Laurel Beach, Litchfield, Pleasure Beach, Mystic, North Westchester, Double
Beach, Willimantic, Storrs, Canaan, East Windsor, Vernon, South Canaan, Putnam,
Guilford, Windham, South Britain, Willington, Windsor, East Hampton, Brooklyn,
and Westchester, CT.

"Your local Connecticut Group Health Insurance agent specialist!"

Legal

Site Built & Maintained by Insurance Website Services

Offices in Stamford, Cheshire, East Windsor, Groton & Bristol, CT

"Your Connecticut

Group Employee Benefit

Insurance Agent"

Connecticut Group Health Insurance Specialists

Connecticut Group Health Insurance

* Convenient access to quality medical care for
employees

* Large and diverse network available of primary
care physicians, specialists, hospitals & clinics.

An employee may have to pay some portion of the
cost (co-payment) for each office or hospital visit,
such as $15 per doctor visit, regardless of what the
services cost. Also, some services such as
emergency room, mental health and chemical
dependency services, may carry additional costs in a
PPO health insurance plan.

Learn more about the types of group
health insurance plans we can offer your
business by clicking on a link below!

HMO

PPO

POS

* Preventive care emphasis

* Primary care physician coordinates the total care of the employee

[Connecticut Group Health Insurance Quote]

An employee may have to pay some portion of the cost (co-payment)
for each office or hospital visit, such as $10 - $15 per doctor visit,
regardless of what the services cost. Also, some services such as
emergency room, mental health and chemical dependency services,
may carry additional costs in an HMO health maintenance plan.

POS Plan Overview (CT Group Health Insurance)

* Preventive care emphasis

* Pays benefits for out-of-network care, but at a lower level

POS Plan Features (CT Group Health Insurance)

Commercial Insurance

General Liability

Insurance

Property Insurance

Group Health Insurance

Group Life Insurance

Workers Comp Insurance

Employee Benefits