Connecticut Managed Care Health Insurance - HMO, PPO & POS
Individual or family health insurance can provide the important protection
needed in the event of illness and for regular preventive care. Using the
strength and experience of our health insurance markets, the William Malloy
Insurance Agency can offer affordable HMO, PPO, and POS health insurance
coverages throughout Connecticut, including Fairfield County, New Haven
County, Hartford County, and the Bridgeport metro area.
Health insurance plans that allow you the most choices in
doctors and hospitals also tend to cost more than plans that
limit choices. Individual and family 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 by clicking on a link below or click on
the link for information on Major Medical health insurance.
Click on the link below to fill out a quote request form for
a Connecticut Individual or Family Insurance policy that
will provide excellent health insurance coverage at an
affordable cost. Or you can discuss the features with our
Connecticut Family Health Insurance agent specialist by
calling 203-351-9898.
* Preventive care emphasis
* Primary care physician (PCP) coordinates your total care
* Must get a referral from your PCP to visit a specialist
* Fixed monthly fee
HMO Health Insurance Policy Overview
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.
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.
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.
Click on the link below to fill out a quote request form for a Connecticut Individual
or Family HMO Health Insurance plan policy that will provide excellent health
insurance coverage at an affordable cost. Or discuss the features with our Family
Health Insurance Agent Specialist by calling 203-351-9898.
* 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
PPO Health Insurance Policy Overview (CT Family or Individual)
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.
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 a PPO health insurance plan.
Click on the link below to fill out a quote request form for a Connecticut Individual
or Family PPO Health Insurance plan policy that will provide excellent health
insurance coverage at an affordable cost. Or discuss the features with our
Connecticut Family Health Insurance agent specialist by calling 203-351-9898.
* Preventive care emphasis
* Pays benefits for out-of-network care, but at a lower level
POS Health Insurance Policy Overview (CT Family or Individual)
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.
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 request form for a Connecticut Individual
or Family POS Health Insurance plan policy that will provide excellent health
insurance coverage at an affordable cost. Or discuss the features with our
Connecticut Family Health Insurance agent specialist by calling 203-351-9898.
Major medical health insurance provides benefits up to a high limit for most types of
medical expenses incurred, subject to a deductible. Once you meet the deductible, our
Connecticut Major Medical Insurance plans pay a percentage of what is considered
the "Usual and Customary" charge for covered services. The insurance company
generally pays 80% of the Usual and Customary costs and you pay the other 20%,
which is known as co-insurance. If the insurance company charges more than the
Usual and Customary rates, you will need to pay both the co-insurance and the
difference.
With Major Medical Insurance plans you can choose your doctor and any hospital
for your medical services. You or your doctor send the bill to the insurance
company, which pays part of it. Usually, you have a deductible such as $250 or more
to pay each year before the insurer starts paying. The plan will pay for charges such
as medical tests and prescriptions as well as from doctors and hospitals.
Major medical insurance coverages offer more choice of doctors (including specialists,
such as cardiologists and surgeons), hospitals, and other health care providers than
managed care plans, such as HMO, PPO, and POS. Major Medical Insurance may not
pay for some preventive care, such as check-ups, and is usually a more expensive
health insurance coverage than utilizing an HMO, PPO, or POS plan.
Click on the link below to fill out a quote request form for a Connecticut Individual or
Family Major Medical Health Insurance plan policy that will provide excellent health
insurance coverage at an affordable cost. Or you can discuss the features with our
Connecticut Family Health Insurance agent specialist by calling 203-351-9898.
Managed Health Care Plans:
Fee-for-Service Health Plan:
Learn more about the other types of Connecticut Individual or Family Health
Insurance Plan Polices we offer by clicking on a link below!
Managed Health Care Plans:
Fee-for-Service Health Plan:
Learn more about the other types of Connecticut Individual or Family Health
Insurance Plan Polices we offer by clicking on a link below!
Managed Health Care Plans:
Fee-for-Service Health Plan:
Learn more about the other types of Connecticut Individual or Family Health
Insurance Plan Polices we offer by clicking on a link below!
Managed Health Care Plans:
Learn more about the Connecticut Individual or Family Managed Health Care
Insurance Plan Polices we offer by clicking on a link below!
We are a local Fairfield County insurance agency, offering affordable individual or
family health insurance policy premiums and services in the following Connecticut
cities and counties: 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,
Westchester, and everywhere else in New Haven County, Litchfield County,
Middlesex County, New London County, Hartford County, Tolland County and
Windham County, CT.
Copyright 2004-2008 William Malloy Insurance Agency, Inc. - All rights reserved
Fairfield County Connecticut Insurance Agency
Malloy Insurance Agency
Connecticut Business, Home, Health
& Car Insurance Specialists
Stamford, CT Harbor
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"Over 60 Years
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William Malloy
Insurance Agency
87 Glenbrook Road
Stamford, Connecticut 06902
(203) 351-9898
Fax: (203) 351-9880
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