Managed Care Health Insurance Plans

Family or individual health insurance can provide the important protection needed in the
event of illness and for regular preventive insurance care. Using the strength and
experience of our health insurance markets, Stamford Insurance Group and SIG
Insurance Agencies can offer affordable HMO, PPO, and POS health insurance
coverages throughout Connecticut and the surrounding states.

Health insurance plans that allow you the most choices in doctors and
hospitals also tend to cost more than plans that limit choices.
Connecticut Family and individual health insurance plans that help to
manage the care you receive, such as PPO and POS plans, usually cost
you less, but you must give up some freedom of choice.

Learn more about HMO, PPO, and POS managed health care insurance
plans below or click on the link for information on CT Major Medical
health insurance.

Click on the link below to fill out a quote form for a
Connecticut health insurance policy that will provide
exceptional insurance protection for you and your
family at an affordable cost. Or contact a health
insurance specialist at one of our Connecticut
locations to discuss the features.

HMO Health Insurance Plan Overview - Connecticut

PPO Health Insurance Plan Overview (CT Family or Individual)

POS Health Insurance Plan Overview (Family or Individual)

* Must get a referral from your PCP to visit

a specialist

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.

We offer affordable health insurance policy premiums to individuals and families
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 Family Health Insurance specialists!"

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Connecticut Health Insurance Specialists

Managed Care Health Insurance Plans - Connecticut HMO, PPO & POS

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

Like 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.

* Preventive care emphasis

* Primary care physician (PCP) coordinates your
total care

You may have to pay some portion of the cost (co-payment) for each
office or hospital visit, such as $20 - $30 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.

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

* Convenient access to quality health care

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

* Pay for services as they are provided

Less restrictive than an HMO or PPO, a (POS) or Point of Service
plan lets you see any licensed health care professional for anything
covered by the insurance. Care you receive from out-of-plan health
care professionals is reimbursed, but you must pay an often times much
higher co-payment or deductible amount. While you may choose to see
a physician outside the network, if you don't receive permission from
your (PCP) primary care physician, you're likely to end up submitting
the bills yourself and receiving only a small reimbursement - if any.

Costs that exceed your deductible are covered by a co-insurance plan
in which you and the insurance company share the cost for services
covered by the policy.

* Preventive care emphasis

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

Also, some services such as emergency room, mental health and
chemical dependency services, may carry additional costs in a
Connecticut POS health insurance plan.

Request a Quote Here!

Now with 4
Connecticut
locations!

Stamford

Cheshire

East Windsor

Groton

22 Knapp Street

Stamford, CT 06907

203-359-0880

Fax: 203-359-9443

1157 Highland Ave., Suite 109

Cheshire, CT 06410

203-250-1006

Fax: 203-250-0190

84 Bridge Street

East Windsor, CT 06088

860-627-9418

Fax: 860-627-9213

124 Fort Hill Road

Groton, Connecticut 06340

New London County, CT

860-445-8447

Fax: 860-446-0848

Customer Service

(Personal Policies)

(203) 250-0186