Need help with your health insurance? The Office of the Healthcare Advocate (OHA) is here for you—at no cost. We can help you understand your health benefits, fight denied claims, and deal with insurance companies. Our team understands the system and is there to help when you need support. We can help with:

• Claim denials
• Prior authorizations
• Finding health insurance coverage
• Assistance with hospital bills
• Medical care complaints
• Wheelchair repair delays

Receiving a denial from your health insurance company can be frustrating and concerning, particularly when you need important medical care. However, insurance denials are not always final decisions. Understanding why your claim was denied and knowing your appeal rights can help you challenge inappropriate denials effectively.

Prior authorization (also called pre-approval, pre-certification, or utilization review) is a requirement by many insurance plans to approve certain services, treatments, medications, or equipment before you receive them. This process requires doctors, hospitals, and other treating practitioners to ask permission from the insurance company on your behalf for coverage, or you may need to pursue authorization yourself for out - of - network services. Understanding this process can help prevent claim denials and ensure timely access to needed care, and the Office of the Healthcare Advocate is available to assist both patients and providers with prior authorization requests and denials.

Hospital financial assistance programs in Connecticut provide crucial support for patients who struggle to pay their medical bills. These programs are designed to help individuals and families manage healthcare costs through various forms of relief, including payment plans, discounted services, or complete debt forgiveness based on financial need. Most Connecticut hospitals evaluate eligibility using federal poverty level guidelines, with many offering full assistance to patients earning up to 250% of the poverty threshold, and sliding-scale support for those with higher incomes.

Finding the right health insurance plan depends on your situation, income, and needs. Use this guide to explore your options and find coverage that works for you.

If you received poor medical care or have problems with your health insurance, you have the right to file a complaint. The Connecticut Office of the Healthcare Advocate (OHA) is here to help you understand your options and guide you through the complaint process at no cost.

Whet her your complaint is about a doctor, hospital, nursing home, or insurance company, we'll help you identify the right place to file your complaint and support you every step of the way. You don't have to navigate this process alone.

If you are experiencing problems with wheelchair repair, OHA can help.