Richard C. Ahern Insurance, LLC Insurance Planning for Every Generation
One Trap Falls Rd, Suite 206, Shelton, CT 06484 •

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Health Insurance

Individual and group health insurance plans are available outside the Health Insurance Exchange.

Health Insurance

We offer the following Products:

  • Health Insurance Plans outside of the Health Insurance Exchange

  • Dental Plans

  • Disability Insurance Plans (Short and Long Term)

  • Group Life Insurance Plans

  • Accidental Death and Dismemberment Plans

  • Long Term Care Insurance Plans

  • Vision Plans

  • Section 125 Cafeteria Plans

  • Hospital Indemnity Plans

Group Health Insurance
Group health insurance covers employees and their families for medical, prescription, and hospital expenses. At Richard C. Ahern Insurance, LLC we know that shopping for group health insurance can be a challenging and confusing task. That is why we will help you comparison shop for the Group Health Insurance package that is the perfect fit for you and your company company both inside and outside of the Health Insurance Exchange.

Group Life Insurance
Helping your employees provide for their families in the event of a premature death can be achieved by offering Group Life Insurance.

Group Disability Insurance
Disability insurance pays an insured person an income when that person is unable to work because of an accident or illness.

INDIVIDUAL HEALTH INSURANCE: What kinds of health insurance are there?

The typical type of individual health insurance is some form of Managed Care. Managed Care plans cover an array of medical, and hospital expenses. Most also cover prescription drugs and some also offer dental coverage.

Managed Care
More than half of all Americans have some kind of managed-care plan. Various plans work differently and can include: health maintenance organizations (HM0s), preferred provider organizations (PPOs) and point-of-service (POS) plans. These plans provide comprehensive health services to their members and offer financial incentives to patients who use the providers in the plan.

How do I pick a health plan?
If your employer gives you a choice of plans or you need to purchase your own coverage, it is crucial that you understand your health insurance choices and pick the insurance that is best for you and your family.

Here are some questions you should ask yourself or your agent when choosing a health insurance plan:

  1. How affordable is the cost of care?

  1. Should I try to insure most of my medical expenses or just the large ones?

  2. What deductibles will I have to pay out-of-pocket before insurance starts to reimburse me?

  3. After I’ve met my deductible, what percentage of medical expenses are reimbursed?

  4. How much less am I reimbursed if I use doctors outside the insurance company’s network?

  5. Does the insurance plan cover the services I am likely to use?

  6. Are the doctors, hospitals, laboratories and other medical providers that I use in the insurance company’s network?

  7. If I want to use a doctor outside the network, will the plan permit it?

  1. Are the prescription medicines that I use covered by the plan?

  2. What is the quality of the insurance plan I’m looking at?

We are here to assist you in finding a plan that protects your family while staying within your budget. Please contact us for more information or request a free quote today.