Insurance regulators across the country are warning about scam artists walking door to door and selling fictitious "ObamaCare" health-insurance policies with a limited open-enrollment period.

"While no Connecticut consumers have been harmed by such scams, to date, it is important for consumers to remain vigilant in their pursuit of quality insurance policies," state Insurance Commissioner Thomas R. Sullivan said.

In some other states, including Missouri and Michigan, scam artists posing as salespeople have offered insurance policies supposedly linked to health care legislation — the Patient Protection and Affordable Care Act — which Congress voted into law last month. Some "agents" have even set up bogus toll-free numbers to sell policies.

Sullivan says Connecticut residents can verify any health insurance policy by calling the insurance department at 800-203-3447 to confirm the legitimacy of the policy, the agent and the company.

The insurance department suggests watching out for the following red flags:

t If the agent says the premium offer is good only for a limited enrollment period. (The new law has no open-enrollment period.)

t If the agent says the coverage is required by law. (The individual mandate doesn't take effect until 2014.)

t Any mention of being "grandfathered," or exempted from changes in the federal health care reform law. (Only policies bought before the law was signed by President Barack Obama on March 23 are exempt from changes required by the law.)

t If the agent doesn't explain what is covered by the policy or doesn't provide a full list of coverages. (In Connecticut, limited-benefit health insurance policies must explain and say explicitly that they don't provide complete medical coverage.)

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