|
|
|
|
 |
 |
|
Overview of the Health Reinsurance Association (CT) The Health Reinsurance Association (HRA) is one of approximately 30 state high-risk pools, which guarantee access to health insurance coverage for approximately 100,000 individuals who have not been able to get coverage because of their pre-existing conditions. In general, the high-risk pool is a state created nonprofit association that offers comprehensive health insurance benefits, which most often cost more than standard insurance coverage. The rates are usually capped by state law at a level between 150% and 200% of the standard market rates. Each risk pool inherently loses money because the premium cap, even at 200%, is well below the losses generated by the risks. Pool Administrators Inc. (PAI) is the current administrator for HRA in
Connecticut. The PAI staff provides full-time administrative services
such as premium billing and collection; accounting and financial services
other than claim services to HRA. United HealthCare provides claims administrative
services for HRA's Special Health Care Plan. HRA contracts with United
HealthCare for their PPO plan network. HRA also contracts with Health
Net of the Northeast, Inc. for their HMO plan network.
|
|
 |