Insurance FAQs

Q: How do I know if my health plan includes Hartford Hospital?
A: Hartford Hospital participates in most major health plans in Connecticut. In addition, please review your health plan provider directory and/or consult with your health plan to confirm coverage. To see a list of the health plans we accept, CLICK HERE.

Q: How will Hartford Hospital know in which health plan I participate?
A: Please present your current health plan identification card when you register for inpatient or outpatient services at Hartford Hospital.

Q: What is the difference between an HMO and a PPO?
A: Health Maintenance Organizations (HMOs) require a patient to select a Primary Care Physician to coordinate his or her care. Most HMOs provide care through a network of hospitals, doctors and other medical professionals, that as a patient, you must use to be covered for that service. Preferred Provider Organizations (PPOs) provide care through a network of hospitals, doctors and other medical professionals. When patients utilize health care providers within the network, they receive a higher benefit and pay less money out of their pocket. Services received by a non-participating hospital or doctor may still be covered, but often at a reduced benefit level.

Q: What does "in-network" and "out-of-network" mean?
A: If you receive your health care services from a hospital, physician or other health care provider that participates in your health plan, they are often referred to as "in-network." Hospitals, physicians or other health care providers who do not participate in your health plan may be referred to as "out-of-network." For more common insurance terms, CLICK HERE.

Q: How do I know if my health plan requires a referral or pre-certification for a service?
A: Your benefit book or provider directory should provide this for you. If not, call the customer service phone number listed on your identification card.

Q: What should I do if my health plan includes Hartford Hospital as a participating provider, but I receive an explanation of benefits stating I am out-of-network?
A: Consult your health plan.

Q: Where can I find information about Medicare?
A: Go to This website is managed by the Centers for Medicare & Medicaid Services to aid consumers with questions regarding Medicare

Q: What if I have questions on my bill?
A: If you have questions about your Hartford Hospital bill, or feel that it is incorrect, call 860.696.6010 (toll-free 1.888.515.5544), Monday-Friday, 8am–4:30pm. Please have the Patient’s name, account number listed on the bill or the patient’s social security number ready when you call. You can also e-mail your questions to us ... CLICK HERE.

Inside Billing & Insurance: 

Financial Assistance

Hartford HealthCare is committed to meeting your healthcare needs and treating you with compassion from the bedside to the billing office. We realize that most medical expenses are the result of unexpected illness or accidents and are difficult to budget for.

Tips to Prevent Billing Problems

Billing and insurance can be confusing, so here are some tips to prevent billing problems.

Billing FAQs

Here are some frequently asked questions regarding billing, along with the answers.

Online Bill Payments

This is a free, fast and secure service that allows you to pay your bill online.

List of Charges

Hartford HealthCare has a website that is designed to help you understand the cost of your care.
The site shows the prices for most procedures or other services at each Hartford HealthCare hospital.

Insurance & Managed Care Information

We participate in most insurance & managed care plans in Connecticut to make using our facilities and services as convenient as possible.

Insurance FAQs

Here are some frequently asked questions regarding insurance, along with the answers.

Billing & Insurance Terminology

Here are some common terms you will encounter when dealing with billing and insurance issues.