Who is the Health Reinsurance Association (HRA)?
The Connecticut Health Care Act of 1975 created the Health Reinsurance Association (HRA) to make available to eligible individuals in Connecticut a comprehensive health care plan designed to help meet medical costs of non-occupational injuries and diseases.
HRA is a non-profit association comprised of all private insurance companies and PPOs that provide health insurance in Connecticut.
Rates for the PPO Plan Follow:
60-64 year old male health insurance costs $1,829.01 a month times 12 months or $21,948.12 a year. If the Paul Ryan Budget in the "Path to Prosperity" Medicare voucher or coupon pays the equivalent of $15,000 a year. The citizen is short a minimum of $6,948.12 each year for the rest of his life. (If the Medicare voucher or coupon is equivalent of $11,000 then the citizen is short $10,948.12 each year for the rest of his life. )
Add his annual deductible of $1,500 to his voucher deficiency and he is now out of pocket at least $8,448.12 per year each year for the rest of his life. (If the Medicare voucher or coupon is equivalent of $11,000 then the citizen is short $12,448.12 each year for the rest of his life). Remember that this plan only covers 80% of in-network charges. So your also out of pocket for 20% of every charge above and beyond your annual deductible.
There is a 12 month waiting period for preexisting conditions.
Out of Pocket Maximum- Only out-of-pocket expenses for covered services count toward the out-of-pocket maximum.
- In-Network $7,500 per Individual
- Out of Network $15,000 per Individual
Annual Deductibles- The amount you pay out-of-pocket for covered services before the plan begins to reimburse you.
- In-Network $1,500 per Individual
- Out of Network $3,000 per Individual
Physicians Services In-Network Out of Network
- Office visits 80% after deductible 60% after deductible
- Inpatient surgery 80% after deductible 60% after deductible
- Outpatient surgery 80% after deductible 60% after deductible
Hospital Services
- Inpatient 80% after deductible 60% after deductible
- Outpatient 80% after deductible 60% after deductible
- Emergency Room 80% after deductible 60% after deductible
- Skilled Nursing Facility 80% after deductible 60% after deductible
- 120 day maximum 120 day maximum
- Occupation/Speech Therapy 80% after deductible 60% after deductible
Think I'm kidding - Full details found here!
Tell Mr. Paul Ryan, Member of the U.S. House of Representatives
from Wisconsin's 1st district that his plan is NOT in the best interest of any American Citizen!
Approaching $9,000.00 less in assistance than present medicare program provides. (If his Medicare voucher or coupon is equivalent of $11,000.00 then the elderly man is approaching a $14,000.00 shortage each year for the rest of his life).
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