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120-day Special Enrollment Period Written by Yessenia Milan Last published at October 25, 2023 Residents affected by the Medicaid Unwinding AHCT will offer a 120-day Medicaid Unwind Special Enrollment Period SEP for eligible individuals who lose HUSKY Health coverage on or after April 1, 2023. Under this SEP, eligible applicants will have up to 120 days to enroll in new health andor dental insurance coverage after their loss of HUSKY Health coverage. An applicants coverage effective date will be the first day of the month following plan selection. More Information Medicaid Unwinding Special Enrollment Periods Verification Documents
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Residents affected by the Medicaid Unwinding AHCT will offer a 120-day Medicaid Unwind Special Enrollment Period SEP for eligible individuals who lose HUSKY Health coverage on or after April 1, 2023. Under this SEP, eligible applicants will have up to 120 days to enroll in new health andor dental insurance coverage after their loss of HUSKY Health coverage. An applicants coverage effective date will be the first day of the month following plan selection. More Information Medicaid Unwinding Special Enrollment Periods Verification Documents
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About the IRS Tax Penalty Written by Yessenia Milan Last published at November 25, 2024 For Tax Year 2020, the penalty or fee for not having health insurance coverage is 0. For Tax Years 2018 and earlier, individuals without coverage during those years may be subject to a penalty. This penalty is also known as the Individual Responsibility Payment. If you did not have healthcare coverage in 2018, the Internal Revenue Service IRS may charge a penalty when you file your federal tax return. The State of Connecticut does not charge a penalty for not having healthcare coverage. The IRS reviews the number of months out of the tax year that you didnt have coverage, and charges a penalty based on those months if they exceeded three months total. The penalty amount can vary. The IRS calculates the total amount for the year that you owe for months you were not covered. You will pay 112th of the total amount for the year for each month you andor members of your tax household were not covered. The easiest way to avoid a penalty is to get coverage. Many types of coverage count to help you avoid a penalty from the IRS. These include plans offered through your employer, plans available through Access Health CT and other individual market plans, HUSKY Medicaid, Medicare, the Childrens Health Insurance Plan CHIP or HUSKY B, VA Care or Tricare.
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If you did not have health insurance coverage in 2018, the IRS may charge a penalty when you file your federal tax return.
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Access Health CT ofrece un plan catastrófico? Written by Yessenia Milan Last published at April 26, 2023 Los planes catastróficos solo están disponibles para personas menores de 30 años o para aquellos a quienes se les otorgó una exención por dificultades o asequibilidad de Access Health CT. No puede obtener ayuda financiera para pagar los planes Catastróficos. Estos planes tienen primas mensuales bajas y brindan el nivel más bajo de cobertura, pero tienen gastos de bolsillo más altos que otros tipos de planes. Cuando complete una solicitud de cobertura, verá los planes catastróficos enumerados como una opción solo si califica para ellos. Si no califica, no los verá como una opción para seleccionar. Solo Access Health CT puede otorgar una exención por dificultades o asequibilidad para comprar un plan catastrófico. Haga clic aquí para descargar la solicitud y las instrucciones sobre cómo completar el formulario. Este plan es para ti? Puede ser una buena opción para las personas que desean protegerse de los peores escenarios, como enfermarse o lesionarse gravemente, pero usted pagará la mayoría de los gastos médicos de rutina. Estos planes tienen primas mensuales bajas, pero también tienen deducibles altos su deducible es el monto que paga por los servicios de atención médica cubiertos antes que su plan de seguro comience a pagar. Su deducible no se aplicará a sus primeras 3 visitas de atención primaria, pero debe alcanzar el deducible del plan para todos los demás servicios cubiertos antes que el plan brinde cobertura. Después de gastar el monto del deducible, su compañía de seguros paga todos los servicios cubiertos, sin copago ni coseguro. Si califica para créditos fiscales para la prima en función de los ingresos de su hogar, no se pueden aplicar a un plan Catastrófico. Es posible que desee considerar un plan Bronce o Plata, que puede ser mejor valor. Asegúrese de comparar. Para obtener más información sobre los tipos de planes que puede obtener a través de Access Health CT, haga clic aquí.
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Los planes catastróficos solo están disponibles para personas menores de 30 aos o para aquellos a quienes se otorgó una exención por dificultades o asequibilidad de Access Health CT. No puede obtener ayuda financiera para pagar los planes Catastróficos.
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Advance Premium Tax Credit Disclaimer If you enroll in a Qualified Health Plan QHP and you are eligible for advance payments of the Premium Tax Credit APTC you can choose to use the full amount to reduce your monthly premium OR take less by using the scale in the disclaimer below. The sliding scale appears in the disclaimer below. You Should Know Those who take less APTC may be eligible to receive the remaining tax credit as a refund based on the actual Modified Adjusted Gross Income MAGI reported on their federal Income tax return. If you actual annual income could be higher than what you listed in your application, you can select to receive a smaller APTC amount. To select a smaller APTC amount, move the slider to the left see example below. The IRS ultimately decides who receives repayment of tax credits and how much they receive. Access Health CT cannot guarantee payment of any remaining APTC when you file your federal tax return. For additional information about the tax provisions of the Affordable Care Act ACA, click here.
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If you enroll in a Qualified Health Plan QHP and you are eligible for advance payments of the Premium Tax Credit APTC you can choose to use the full amount to reduce your monthly premium OR take less by using the sliding scale in the disclaimer below.
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Take advantage of key in-network preventive care visits, which are covered 100 and can help you stay healthy Use in-netw Save money with generic drugs and mail-order programs Call your insurance company directly with questions or to learn more about resources available to you Always pay your premiums on time to avoid coverage delays or lapses After You Enroll After you enroll in healthcare coverage through Access Health CT, youll receive additional materials from us and from your insurance company materials may vary depending on the plan you choose. To stay organized, check off each item below as you receive it from us. Questions about your coverage? Access Health CT does not have access to that information. Anthem 1-855-738-6644 Anthem.com Get the most from your healthcare coverage Start by choosing a primary care doctor from your insurance companys provider directory, and schedule your annual checkup. Make sure you When From What about 3 days after enrolling Access Health CT and your insurance company will each mail you a separate letter. Your insurance company will send you a bill is due and how to pay it. about 510 days after enrolling about 12 weeks after you available any day, 247 Your insurance companys website Anthem.com ConnectiCare.com HuskyHealthCT.org First Bill Pharmacy and Doctor Directories ID Card You may be asked to provide proof of your income such as a recent pay stub, identity such as a drivers license or passport, and immigration status such as visa documents Important note Learn more about managing your account after enrollment at AccessHealthCT.commanage-your-account AccessHealthCT.com Follow us on Your insurance company they can help you find in-network pharmacies, primary care physicians, specialists, and hospitals to help save money. ConnectiCare Benefits, Inc. ConnectiCare Insurance Company, Inc. 1-800-251-7722 ConnectiCare.com Department of Social Services, Husky Health Member Services 1-800-859-9889 HuskyHealthCT.org Confirmation Letter
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Learn more about your healthcare coverage. Check off each item below as you receive it from us and from your insurance company.
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Access Health CT Glossary Written by Roberto Blundo Last published at May 08, 2024 Glossary acuerdo de reembolso de salud Las cuentas de reembolso de salud son planes de salud grupales financiados por el empleador, de los cuales los empleados son reembolsados libres de impuestos para los gastos médicos calificados hasta un monto fijo en dólares por año. Los montos no utilizadas pueden ser renovados para ser utilizadose en años posteriores. El empleador financia y es propietario de la cuenta. Affordable Care Act ACA also known as the Patient Protection and Affordable Care Act or Obamacare and is the landmark health reform legislation signed into law in March 2010. Key provisions are intended to extend coverage to millions of uninsured Americans, implement measures that will lower health care costs and improve system efficiency, and eliminate industry practices that include rescission and denial of coverage due to pre-existing conditions. Agent An agent is a state-licensed individual or entity representing one or more insurance companies. An agent solicits and facilitates the sale of insurance contracts or policies and provides services to the policyholder on behalf of the insurer. Agente Un agente es una persona o entidad con licencia estatal que representa a una o más compañías de seguros. Un agente solicita y facilita la venta de contratos o pólizas de seguro y brinda servicios al titular de la póliza en nombre del asegurador. Agente de seguros Un agente de seguros es un representante legal autorizado del titular de la póliza, que negocia con una compañía de seguros en nombre de un cliente. La compañía de seguros le paga una comisión. Annual Limit A limit on the benefits your health plan will pay in a year. Limits are sometimes placed on particular services, such as prescriptions or physical therapy treatments. They can also be placed on the dollar amount or on the number of visits. After an annual limit is reached, you must pay all related health care costs for the rest of the year. año calendario 1 de enero - 31 de diciembre APTC also known as Advanced Premium Tax Credits. The credit amount will be paid directly to the insurance company from the federal government. The individual pays the difference between the credit and the plans premium. Authorized Representative An authorized representative is a person who has been designated in the Exchange to act on someone elses behalf. Beneficios esenciales de salud Todos los planes de salud calificados QHP en inglés que se ofrecen a través de Access Health CT brindan el mismo conjunto de 10 beneficios esenciales de salud. Los beneficios pueden costar más o menos en diferentes planes en diferentes niveles, puede estar seguro de que todos los planes brindarán 1. Servicios preventivos y de bienestar y manejo de enfermedades crónicas 2. Servicios pediátricos 3. Servicios ambulatorios para pacientes atención ambulatoria que recibe sin hospitalización 4. Cobertura de la sala de emergencias 5. Hospitalización como cirugía 6. Atención de maternidad y del recién nacido atención antes y después del nacimiento de su bebé 7. Servicios de salud mental y abuso de sustancias, incluido el tratamiento de salud conductual incluye asesoramiento y psicoterapia 8. Cobertura de medicamentos prescritos 9. Servicios y dispositivos de rehabilitación y habilitación servicios y dispositivos para ayudar a las personas con lesiones, discapacidades o afecciones crónicas a obtener o recuperar habilidades mentales y físicas 10. Cobertura de servicios de laboratorio Broker A broker is a licensed legal representative of the policyholder, who negotiates with an insurance company on behalf of a customer but is paid a commission by the insurance company. Calendar Year January 1 - December 31 Catastrophic Plans Catastrophic plans are available to people younger than 30 years old or to those who have been granted a hardship or affordability exemption. You are not eligible to get financial help to pay for catastrophic plans. These plans have low monthly premiums and provide the lowest level of coverage. Catastrophic plans offer protection when healthcare costs near or reach annual-of- pocket cost maximums. Centers for Medicare and Medicaid Services CMS Centers for Medicare and Medicaid Services CMS is the federal agency responsible for administering Medicare, Medicaid, State Childrens Health Insurance, Health Insurance Portability and Accountability Act, Clinical Laboratory Improvement Amendments, and several other health- related programs. CMS also establishes standards for healthcare providers that must be complied with in order for providers to meet certain certification requirements. Centro de Servicios de Medicare y Medicaid CMS en inglés El Centro de Servicios de Medicare y Medicaid CMS es la agencia federal responsable de administrar Medicare, Medicaid, el seguro médico para niños CHIP en inglés, la Ley de Responsabilidad y Portabilidad del Seguro de Salud, las Enmiendas para mejorar los Labora
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Access Health CT Glossary Written by Roberto Blundo Last published at May 08, 2024 Glossary acuerdo de reembolso de salud Las cuentas de reembolso de salud son planes de salud grupales financiados por el empleador, de cuales los empleados son reembolsados libres de impuestos para los gastos médicos calificados hasta un monto fijo en dólares por ao. Los montos no utilizadas pueden ser renovados para ser utilizadas en aos posteriores. El empleador financia y es propietario de la cuenta.
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American Indians and Alaska Natives Written by Yessenia Milan Last published at October 25, 2024 If you are an American Indian or Alaska Native, you can enroll in a Qualified Health Plan QHP or Stand-Alone Dental Plan at any time during the year and may change your health andor dental plan selection once a month. The coverage effective dates for your health andor dental plan depends on the day you enroll. If you enroll by the 15th of the month, your coverage will start on the 1st day of the following month for example, if you enroll by February 15, your coverage will start on March 1. When you complete your application for health andor dental coverage, you will not be asked to provide documents to verify your American Indian or Alaska Native status, but you must provide the name of your federally recognized tribe and your tribal status. Financial Help Based on your households Modified Adjusted Gross Income MAGI, you and your household members may qualify for financial help to lower your health insurance costs. You may qualify for a zero-cost sharing health plan if your households income is between 100- 300 of the Federal Poverty Level FPL. You do not owe any out-of-pocket costs for services when you use a zero-cost sharing health plan, regardless of whether you receive care from an in- or out-of-network provider. You may qualify for a low-cost sharing health plan if your households income is above 300 of the FPL. Your out-of-pocket costs may be waived if you receive services from an Indian Health Service provider. Calculating your Modified Adjusted Gross Income MAGI Certain distributions and payments made to the American Indians and Alaska Natives are excluded from MAGI for purposes of determining your households eligibility for HUSKY Health coverage Medicaid and the Childrens Health Insurance Program CHIP, the Covered CT Program, and financial help.
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If you are an American Indian or Alaska Native, you can enroll in a Qualified Health Plan QHP or Stand-Alone Dental Plan at any time during the year and may change your health andor dental plan selection once a month. The coverage effective dates for your health andor dental plan depends on the day you enroll. If you enroll by the 15th of the month, your coverage will start on the 1st day of the month for example, if you enroll by the 15th of the month, your coverage will start on the 1st day of the month for example, if you enroll by the 15th of the month, your coverage will start on the 1st day of the month for example, if you enroll by the 15th of the month, your coverage will start on the 1st day of the month for example, if you enroll by the 15th of the month, your coverage will start on the 1st day of the month for example, if you enroll by the 15th of the month, your coverage will start on the 1st day of the month for example, if you enroll by the 15th of the month, your coverage will start on the 1
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American Rescue Plan Act Inflation Reduction Act Written by Yessenia Milan Last published at February 20, 2025 The American Rescue Plan ARPA and the Inflation Reduction Act IRA make health insurance coverage more affordable and accessible for many Connecticut residents. These laws changed the way we calculate financial help for customers. As a result, many more customers now qualify for financial help to make plans more affordable. Whether youre a first- time shopper or an existing customer, we want to make sure you know how to take advantage of all the financial help available. Enhanced plan subsidies are in place through Plan Year 2025, unless they are extended beyond 2025 through federal legislation. Real-Life example of savings for Connecticut residents and their families due to the ARPA and IRA Household Size Metal Level Coverage Year Income Premium Before Financial Help Premium After Financial Help 1 Silver 2022 19,800 1,289.08 706.08 2023 19,800 1,340.37 5.75 As a result of the ARPA and IRA More people than ever before qualify for help paying for health coverage, even those who werent eligible in the past. Most people currently enrolled in a plan through Access Health CT qualify for more tax credits. Your portion of health insurance premiums may be lower. While the ARPA and IRA are effective, eligible individuals and households will have at least one health plan option that costs no more than 8.5 of the annual income of their tax household. There are no changes to how someone qualifies for HUSKY Health. The ARPA added COVID-19 vaccine and treatment coverage to more HUSKY Health Medicaid programs, including the new COVID-19 uninsured coverage group. To find out now if you qualify for savings on Qualified Health Plans, you can Compare Plans or submit an application online, by phone, or with the help of an Enrollment Specialist or Broker We will post updates to this article as new information is available. Access Health CT customers will hear from us directly about next steps and the impact on their household. Complete an application at AccessHealthCT.com and we will let you know if you qualify for the Covered Connecticut Program, a state-funded program that provides free health and dental coverage and non-emergency medical transportation benefits to eligible Connecticut residents. You can also call our call center for free enrollment and eligibility help at 1-855-805-4325. If you are deaf or hearing impaired, you may use the TTY at 1-855-789-2428 or contact us at 1-855- 805-4325 with a relay operator. We will post updates to this article as new information is available. Access Health CT customers will hear from us directly about next steps and the impact on their household. All information provided in this example is for general informational purposes only, and Access Health CT makes no representation or warranty of any kind, express or implied, regarding the accuracy, availability, or completeness of the information provided in this example. To find out if you qualify for financial help, you can Compare Plans or submit an application online, by phone, or with the help of an Enrollment Specialist or Broker.
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The American Rescue Plan Act ARPA and the Inflation Reduction Act IRA make health insurance coverage more affordable and accessible for many Connecticut residents. These laws changed the way we calculate financial help for customers. As a result, many more customers now qualify for financial help to make plans more affordable. Whether youre a first- time shopper or an existing customer, we want to make sure you know how to take advantage of all the financial help available.
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Application Disclaimers You must agree to the following disclaimers to complete your application. If you do not agree to the disclaimers, you will not be eligible to enroll in a Qualified Health Plan or Medicaid. Medicaid Only Disclaimers You may be eligible for programs offered through the Department of Social Services such as Medicaid known as HUSKY A and Husky D and the Childrens Health Insurance Program known as CHIP or HUSKY B. The information listed on your application will be used to decide if you are eligible for these programs. _____________________________________________________________________________________ I know that I must tell the program Im enrolled in if information I listed on this application changes. MEDICAID ONLY I know that if Medicaid pays for a medical expense any money I get from other health insurance or legal settlements will go to Medicaid in an amount equal to what Medicaid pays for the expense. MEDICAID ONLY I know that if Medicaid pays for any of my medical expenses, any money I receive from a lawsuit will be assigned to the State to pay for any medical expenses paid by the State related to injuries that led to the lawsuit. If I have other insurance or a third party is liable to pay for my medical expenses, the State may recover the cost of my medical bills directly from the insurer or third party. The State may bill a legally liable relative to repay the State for the costs of my medical care. The State may recover money from the estates of those people who were 55 years old or older at the time that community medical benefits were paid and who do not have a living spouse or surviving child under age 21 or blind or disabled. The State may recover from an inheritance or other lump sum of money I receive to repay the State for the costs of my medical care. The State may place a lien, under certain conditions, on my home if I permanently enter a nursing facility. I know Ill be asked to cooperate with the agency that collects medical support from the absent parent. If I think that cooperating to collect medical support will harm me or my children, I can tell the agency and I wont have to cooperate. I understand that AccessHealthCT.com will use data from my tax return during the renewal process to determine yearly eligibility for help paying for health insurance for the next 5 years. I understand that if I check this box I can change my answer later, and if I dont check the box I can select less than 5 years. I know that any change that I report may alter mine or my households eligibility status. If the change results in me and my household becoming ineligible for help paying for health coverage, I and my household may no longer receive help paying for coverage. Im signing this application under penalty of perjury. This means Ive provided true answers to all the questions on this form to the best of my knowledge. I know that if Im not truthful, there may be a penalty.
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You may be eligible for programs offered through the Department of Social Services such as Medicaid known as HUSKY A and Husky D and the Childrens Health Insurance Program known as CHIP or HUSKY B. The information listed on your application will be used to decide if you are eligible for these programs.
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Asistencia de traducción de idiomas y TTY Written by Yessenia Milan Last published at January 08, 2025 Cómo puedo obtener ayuda con la traducción de idiomas o TTY? Si necesita asistencia en otro idioma, contamos con traductores capacitados en más de 200 idiomas que están aquí para ayudarle. Comuníquese con el centro de llamadas de Access Health CT al 1-855-805-4325. Si es sordo o tiene problemas de audición, puede usar el TTY al 1-855-789-2428 o comunicarse al 1-855-805-4325 con nosotros a través de un operador de retransmisión. Descargue una copia de nuestra lista de verificación de inscripción aquí, disponible en varios idiomas Español Inglés Criollo haitiano Polaco
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Cómo puedo obtener ayuda con la traducción de idiomas o TTY? Si necesita asistencia en otro idioma, contamos con traductores capacitados en más de 200 idiomas que están aqu para ayudarle. Comunquese con el centro de llamadas de Access Health CT al 1-855-805-4325. Si es sordo o tiene problemas de audición, puede usar el TTY al 1-855-789-2428 o comunicarse al 1-855-805-4325 con nosotros a través de un operador de retransmisión. Descargue una copia de nuestra lista de verificación de inscripción aqu, disponible en varios idiomas Espaol Inglés Criollo haitiano Polaco
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Birth Control Coverage Written by Yessenia Milan Last published at October 17, 2023 Yes and at no cost! All Access Health CT health plans must cover all approved forms of birth control under the Affordable Care Act at no cost to the consumer. This means any plan bought through Access Health CT must offer these contraceptive benefits as part of your health insurance coverage. You should still review your plan benefits and costs with the insurance company you chose or are looking to choose.
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Access Health CT health plans must cover all approved forms of birth control under the Affordable Care Act at no cost to the consumer. This means any plan bought through Access Health CT must offer these contraceptive benefits as part of your health insurance coverage. You should still review your plan benefits and costs with the insurance company you chose or are looking to choose.
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Can I apply for a qualified health plan through Access Health CT if I have COBRA? Written by Yessenia Milan Last published at October 24, 2024 1. What is COBRA? COBRA is a federal law that may allow you to temporarily keep your health coverage after a qualifying event, such as job loss. If you choose COBRA continuation coverage, you may have to pay 100 of the monthly payments premium, including the share the employer used to pay, and a small administrative fee. If you are being offered COBRA continuation coverage, there are some things you should know before you make a final decision. Access Health CT may offer a better, less expensive choice for you and your family. 2. COBRA Coverage vs. Coverage through Access Health CT We recommend that you check your options with Access Health before choosing COBRA for these reasons Access Health CT is the only place you can qualify for financial help to pay for health insurance. With COBRA coverage, you may have to pay 100 of the monthly payment premium, including the share the employer used to pay, plus a small administrative fee. If you decide you want to end your COBRA coverage early, you are only eligible to enroll during the Annual unless you have a Qualifying Life Event. You may qualify for Medicaid or the Childrens Health Insurance Program CHIP, and you can apply for and enroll in those programs any time of year. Also consider what other options you have, like being added to a spouse or household members health plan. 3. Can I apply for private health insurance through Access Health CT if I already have COBRA? You may be eligible to enroll in a Qualified Health Plan QHP during a Special Enrollment Period if your COBRA coverage ends or your former employer stops contributing and you must pay the full cost. If the cost does not change and you voluntarily terminate your COBRA coverage early, you will not be eligible to enroll in a QHP until the Open Enrollment Period begins. More Information Learn More About Special Enrollment Periods
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If you are being offered COBRA continuation coverage, there are some things you should know before you make a final decision. Access Health CT may offer a better, less expensive choice for you and your family. Access Health CT is the only place you can qualify for financial help to pay for health insurance. With COBRA coverage, you may have to pay 100 of the monthly payment premium, including the share the employer used to pay, plus a small administrative fee. If you decide you want to end your COBRA coverage early, you are only eligible to enroll during the Annual unless you have a Qualifying Life Event. You may qualify for Medicaid or the Childrens Health Insurance Program CHIP, and you can apply for and enroll in those programs any time of year. Also consider what other options you have, like being added to a spouse or household members health plan.
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Can I get a plan with a Health Savings Account HSA through Access Health CT? Written by Yessenia Milan Last published at February 19, 2025 Health Savings Accounts HSAs are medical savings accounts available to taxpayers who are enrolled in a High Deductible Health Plan HDHP. The funds contributed to the account arent subject to federal income tax at the time of deposit. Funds must be used to pay for qualified medical expenses and leftover funds roll over year to year if you dont spend them, which means you dont lose them if they are not spent. Some insurance companies offer High Deductible Health Plans that are compatible with a Health Savings Account HSA. These accounts are managed by the insurance companies and not by Access Health CT. However, HSA compatible plans are available through the Access Health CT Marketplace and are identified as such in the plan name. Just look for HSA in the plan name when you are comparing health plans. For more information on types of plans available through Access Health CT, click here.
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HSAs are medical savings accounts available to taxpayers who are enrolled in a High Deductible Health Plan HDHP. The funds contributed to the account arent subject to federal income tax at the time of deposit. Funds must be used to pay for qualified medical expenses and leftover funds roll over year to year if you dont spend them, which means you dont lose them if you are not spent. Some insurance companies offer High Deductible Health Plans that are compatible with a Health Savings Account HSA. These accounts are managed by the insurance companies and not by Access Health CT. However, HSA compatible plans are available through the Access Health CT Marketplace and are identified as such in the plan name. Just look for HSA in the plan name when you are comparing health plans. For more information on types of plans available through Access Health CT, click here.
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Continuous Enrollment Unwinding and HUSKY Health Coverage Written by Kecia Stauffer Last published at January 08, 2025 What is the Continuous Enrollment Unwinding? During the pandemic, Connecticut extended health coverage for most Medicaid members enrolled on or after March 18, 2020, even if they no longer qualified, a process the federal government calls Continuous Enrollment. The federal rules have changed Continuous Enrollment ends March 31, 2023 and the process of reviewing households for eligibility, referred to as Continuous Enrollment Unwinding, will resume. You can click here for the latest updates on this process. What steps can I take to get ready? 1. Update us so we can update you! Make sure your address and phone number are up to date with Access Health CT andor the Department of Social Services DSS. Consider providing your email address, opting to receive text messages or selecting paperless delivery for important notifications. HUSKY A, B and D members Update your information online through Access Health CT or by calling Access Health CT at 1-855-805-4325 TTY 1-855-789- 2428 or call 1-855-805-4325 with a relay operator HUSKY C members Update your information online at Connecticut Department of Social Services or by calling DSS at 1-855-626-6632 2. Look for mail or email messages from DSS, Access Health CT and HUSKY Health 3. Follow the Department of Social Services on social media for updates CT Department of Social Services Facebook and What happens to my coverage when Continuous Enrollment ends? The Department of Social Services will contact you to complete a renewal form to see if you qualify for coverage for the next year. Each month for the next 12 months after March 31, 2023, a portion of HUSKY Health members will be sent a renewal notification. You should wait until you receive your renewal notification to take action but you can update your contact information at any time. You will receive a renewal form 45 days before your coverage is due to end. It is important to complete your renewal quickly and provide any documentation that may be requested. This may help you to avoid any gaps in medical coverage. How do I complete my renewal once I get the notice? When you receive your renewal notification, the fastest way to complete it is to go online. HUSKY A, B, and D members, visit accesshealthct.com HUSKY C members, visit mydss.ct.gov When you update or confirm your application details through Access Health CT, you will get a final determination on whether your HUSKY Health coverage will be renewed or if you qualify for another program. You will see that result on the final screen of the application, and you will also receive a confirmation by mail 1-3 business days or through your online account inbox. What if I no longer qualify for HUSKY Health? If you no longer qualify for HUSKY Health, you can shop for health and dental coverage through Access Health CT. There are full coverage options available at little or no cost. Contact Access Health CT to find out what you may qualify for Online at Access Health CT Over the phone at 1-855-805-4325 If you are deaf or hearing impaired, you may use the TTY at 1-855-789-2428 or contact us at 1-855-805-4325 with a relay operator What do I need to do now? Update your household and contact information! You can call us or follow the steps below to make your updates online. Make sure we have the most up to date information about your household, including your annual income and your contact information If you dont have any updates to report, wait for a notice telling you when its time to take further action There is no need to contact us until you receive your notice
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During the pandemic, Connecticut extended health coverage for most Medicaid members enrolled on or after March 18, 2020, even if they no longer qualified, a process the federal government calls Continuous Enrollment. The federal rules have changed Continuous Enrollment ends March 31, 2023 and the process of reviewing households for eligibility, referred to as Continuous Enrollment Unwinding, will resume.
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Coverage Effective Dates for Qualified Health Plans Written by Yessenia Milan Last published at January 30, 2025 1. How are effective dates determined? i. When you enroll during Open Enrollment determines when your health andor dental coverage will start For coverage starting January 1, 2025, you must enroll and complete your application by December 15, 2024. For coverage starting February 1, 2025, you must enroll and complete your application between December 16, 2024 and January 15, 2025. ii. Enrolling in health andor dental insurance outside of the Open Enrollment requires a Qualifying Life Event. You typically will have a period of 60 days from the Qualifying Life Event date, which is referred to as a Special Enrollment Period, to enroll. The date your coverage will start will depend on the type of Qualifying Life Event you had for your Special Enrollment Period. iii. Connecticut residents that are eligible for the new Covered Connecticut Program can enroll at any time. Your coverage will start on the first of the month after you complete your enrollment and application. 2. Can I change my effective date? Your coverage effective date is based on the date you enroll and cannot be changed. For more information, call Access Health CT at 1-855-805-4325.
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Connecticut residents that are eligible for the new Covered Connecticut Program can enroll at any time. Your coverage will start on the first of the month after you complete your enrollment and application.
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Covered CT Program Written by Yessenia Milan Last published at January 08, 2025 Covered CT Some Connecticut residents that meet specific eligibility requirements are paying 0 for their health insurance coverage, thanks to the new Covered CT Program created by the State of Connecticut. The Covered CT Program provides health insurance coverage, dental coverage and Non-Emergency Medical Transportation NEMT administered by the Connecticut Department of Social Services. This Program is for residents between the ages of 1964. Want to see if you qualify? Complete an application with Access Health CT online or with some free help. For eligible Connecticut residents enrolled in the Covered CT Program, the State of Connecticut pays the customers portion of the monthly payment premium directly to their insurance company Anthem, ConnectiCare Benefits, Inc. and ConnectiCare Insurance Company, Inc. and also pays for the cost-sharing amounts deductibles, co-pays, co-insurance and maximum out-of-pocket costs that customers would typically have to pay with a health insurance plan. Residents must meet the following requirements to participate in the Covered CT Program Have a household income up to and including 175 of the Federal Poverty Level FPL and dont qualify for Medicaid due to income Be eligible for financial help, including Advance Premium Tax Credits APTC and Cost- Sharing Reductions CSRs, and use 100 of the financial help available to you Enroll and remain enrolled in a Silver Plan for the duration of the plan year If your household income makes you eligible for HUSKY HealthMedicaid, you are not eligible for the Covered CT Program. Medicaid provides comprehensive benefits, please contact the Connecticut Department of Social Services for more information. Income Guidelines for 2025 Coverage For applications submitted on or after December 1, 2024 Household Size 1 2 3 4 5 6 7 8 Ineligible for HUSKY Medicaid an d have household income up to and including 175 FPL 26,35 5 35,77 0 45,18 5 54,60 0 64,01 5 73,43 0 82,84 5 92,26 0 How to Enroll in the Covered CT Program Complete an application at AccessHealthCT.com and we will let you know if you qualify for the Covered CT Program. You can also call our call center for free enrollment and eligibility help at 1-855-805-4325. If you are deaf or hearing impaired, you may use the TTY at 1-855-789-2428 or contact us at 1-855-805-4325 with a relay operator. Already enrolled through Access Health CT? If you are enrolled in a Qualified Health Plan through Access Health CT, you can update your application with any recent changes to your household information. You may qualify if your household income or home address has changed since you enrolled. FREQUENTLY ASKED QUESTIONS If I am already paying a very low premium, should I take any action? Probably. Many customers are already enrolled in plans that cost nearly 0 per month. But, with the Covered CT Program, they may be eligible for a plan with no premium monthly payment and no out-of-pocket expenses what you pay for a covered healthcare service. Am I eligible if my income isnt the same every month? Yes. The Covered CT Program income requirements are based on annual income, so you will need to estimate what your total annual household income will be for the year. If you experience a significant change in household income after you enroll, you must report it to Access Health CT immediately. What types of health care or services will be covered through this program? All health care and services must be medically necessary and covered by the health insurance plan to be paid by the State of Connecticut. Please visit the Department of Social Services website for more information about Dental and Non-Emergency Medical Transportation benefits. Will eligible customers really have 0 premium and 0 cost-sharing plans through the Covered CT Program? Yes! The State of Connecticut will pay the customer portion of the premium monthly payment and all out-of-pocket expenses what you pay for a covered healthcare service that customers were previously responsible for paying under their health insurance plan through Access Health CT. There will also be dental benefits and Non-Emergency Medical Transportation benefits included at no additional cost. I am comparing plans and the plans do not show 0 premium and 0 cost sharing. Why is this? When shopping for a plan, please be sure to 1. Complete your application 2. Make sure you are eligible for the Covered Connecticut Program on the Eligibility Determination screen 3. Select a Silver Plan 4. Select 100 of the Advance Premium Tax Credits APTCs. After completing these steps, you will see the premium of the Silver Plan update to 0 on your plan purchase summary. Please note, you will also see an alert at the top of your screen during Silver Plan and APTC selection informing you of your potential eligibility for the Covered CT Program, even though you have already confirmed your eligibility for the Program on th
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Some Connecticut residents that meet specific eligibility requirements are paying 0 for their health insurance coverage, thanks to the new Covered CT Program created by the State of Connecticut. The Covered CT Program provides health insurance coverage, dental coverage and Non-Emergency Medical Transportation NEMT administered by the Connecticut Department of Social Services. This Program is for residents between the ages of 1964. Want to see if you qualify? Complete an application with Access Health CT online or with some free help. For eligible Connecticut residents enrolled in the Covered CT Program, the State of Connecticut pays the customers portion of the monthly payment premium directly to their insurance company Anthem, ConnectiCare Benefits, Inc. and ConnectiCare Insurance Company, Inc. and also pays for the cost-sharing amounts deductibles, co-pays, co-insurance and maximum out-of-pocket costs that customers would typically have to pay with a health insurance plan. Residents must meet the requirements to participate in the Covered CT Program Have a household income up to and including 175 of the Federal Poverty Level FPL and dont qualify for Medicaid due to income Be eligible for financial help, including Advance Premium Tax Credits AP
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Creating Accounts and Linking Applications Written by Kecia Stauffer Last published at August 26, 2024 Managing your Access Health CT application is easier with an online account. You can use your online account in several ways, including making routine changes to your household information and your application. With an online account you can also View important notices Report changes to your household information, like your household income, home andor mailing address, and contact information Provide an email address and opt in to receive SMS alerts Add or remove a household member from your application Cancel your coverage Renew your coverage Upload documents Find Help from a broker or Certified Application Counselor CAC Create an online account before you start your application so you can access your application at any time. If you already started an application with Access Health CT, follow the steps below to create an online account and link it to your current application. Creating an Online Account 1. Visit AccessHealthCT.com and click Create Account at the top 2. Enter your First Name and Last Name exactly as they appear on your legal documentation such as state-issued ID, license, Social Security Card, or Green Card 3. Provide your Email Address. Make sure you have access to this email account you will receive important messages related to your Access Health CT online account 4. Create a Password. A unique password must be 9 to 15 characters with at least one number, one uppercase letter, one lowercase letter, and one special character i.e., !, , , etc. 5. Complete the Security Questions. Please select 4 different questions and answers. You will be asked these questions if you forget your login information 6. Security Image. You must check the box to proceed and complete the reCAPTCHA security verification 7. User Acceptance Agreement. You must check the box to proceed. Click here to view the agreement 8. Click Create Account Linking Online Account with an Existing Application Follow these steps to link your online account with your current application. Make sure you use your most recent application. If you do not know which application to link to your online account, please contact Access Health CT. 1. Sign in and click on Link an Existing Application 2. Enter the following information it must match the information in your application and the Eligibility Determination Notice that we mailed to you a. First Name and Last Name b. Date of Birth c. City d. State e. ZIP Code f. Your application ID number This is included in all notices we send to your household by mail 3. Click Submit 4. Review your information After you link your application to your account, you will see the status of your health andor dental coverage and will have the option to report changes, renew coverage, upload documents, and view notices in your account inbox. In addition, if you wish to receive paperless notifications in your account inbox instead of paper notifications by mail, you will have the option to opt in to paperless notifications. If you require assistance with adding the application to your account or have questions, please call 1-855-805-4325. If you are deaf or hearing impaired, you may use the TTY at 1-855-789- 2428 or contact us at 1-855-805-4325 with a relay operator. Make sure you have your application ID number and household information ready!
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Managing your Access Health CT application is easier with an online account.
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Customer Service Update Written by Yessenia Milan Last published at September 14, 2023 We are currently experiencing a high volume of escalated cases and requests to our customer service team. We are working diligently to resolve issues and close cases as soon as possible, but in the meantime, you may have a delay in getting your questions answered. The best way to request help from our team, ask us a question or check on the status of your application is to call us at 1-855-805-4325. We are also available via Live Chat If you have an urgent medical issue, please let the customer service representative know when you contact us. Thank you for your patience.
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We are currently experiencing a high volume of escalated cases and requests to our customer service team. We are working diligently to resolve issues and close cases as soon as possible, but in the meantime, you may have a delay in getting your questions answered. The best way to request help from our team, ask us a question or check on the status of your application is to call us at 1-855-805-4325. We are also available via Live Chat If you have an urgent medical issue, please let the customer service representative know when you contact us. Thank you for your patience.
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Deferred Action for Childhood Arrivals DACA Written by Kecia Stauffer Last published at August 20, 2024 Deferred Action for Childhood Arrivals DACA recipients are now eligible for insurance coverage through Access Health CT. Starting November 1, 2024, DACA recipients will be able to get health insurance coverage through state- based marketplaces. This change in the law means DACA recipients living in Connecticut can apply for health andor dental insurance plans offered through Access Health CT. Depending on their household size and income, they may qualify for financial help such as Advance Premium Tax Credits APTCs or Cost-Sharing Reductions CSRs. There will be a Special Enrollment Period SEP starting November 1, 2024, to allow DACA recipients to enroll in coverage that starts as soon as December 1, 2024. Moving forward, anyone who becomes a DACA recipient will qualify for a 60-day SEP that starts on the day they are granted deferred action. Remember, all members of your tax household with legal immigration status or not should be included in your enrollment application. However, only those with a legal immigration status are eligible to receive health andor dental coverage through Access Health CT. DACA recipients are not eligible to enroll in regular HUSKY Health programs, including Medicaid and the Childrens Health Insurance Program CHIP. However, there are State programs available for children and pregnant individuals who do not qualify for regular Medicaid because of their immigration status. Eligibility for these programs depends on your age andor household income. Click here to learn more. Access Health CT cannot answer questions about DACA eligibility. For more information on DACA, visit
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DACA recipients are now eligible for insurance coverage through Access Health CT. Starting November 1, 2024, DACA recipients will be able to get health insurance coverage through state- based marketplaces. This change in the law means DACA recipients living in Connecticut can apply for health andor dental insurance plans offered through Access Health CT. Depending on their household size and income, they may qualify for financial help such as Advance Premium Tax Credits APTCs or Cost-Sharing Reductions CSRs. There will be a Special Enrollment Period SEP starting November 1, 2024, to allow DACA recipients to enroll in coverage that starts as soon as December 1, 2024. Moving forward, anyone who becomes a DACA recipient will qualify for a 60-day SEP that starts on the day they are granted deferred action. Remember, all members of your tax household with legal immigration status or not should be included in your enrollment application. However, only those with a legal immigration status are eligible to receive health andor dental coverage through Access Health CT. DACA recipients are not eligible to enroll in regular HUSKY Health programs, including Medicaid and the Childrens Health Insurance Program CHIP
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Dental coverage through Access Health CT Written by Yessenia Milan Last published at January 31, 2025 Dental and oral health are important to your overall health and well-being. You can get dental coverage through Access Health CT in a few different ways. All health insurance plans offered through Access Health CT include pediatric dental coverage for anyone under 26 years old. It is also as an Essential Health Benefit under the ACA. Some health plans and programs available through Access Health CT, like the Covered CT Program, include dental coverage for adults. The HUSKY Health Program MedicaidCHIP programs includes dental coverage for children and adults. If your current health insurance plan doesnt include dental coverage, you can get a stand-alone dental plan through Access Health CT! You can enroll during the Open Enrollment Period that begins November 1 or during a Special Enrollment Period if you have a Qualifying Life Event. To enroll in dental coverage, call us at 1-855-805-4325 or compare dental options online. During the enrollment process, you will now see health plan options followed by dental plans. If you are not interested in a health plan, be sure to look for the Skip to Dental Plans button at the bottom of the health plans shopping page. Customers can sign in to manage their dental coverage here. Important considerations to keep in mind when shopping for stand-alone dental coverage All health insurance plans available through Access Health CT offer pediatric dental coverage through age 26. Certain medical plans may include some limited adult dental benefits, but these plans do not provide full dental coverage for adults. Stand- alone plans are a great option for people who are over 26 years old and need dental coverage. Financial help does not apply to stand-alone dental plans. If you receive financial help also called Advanced Premium Tax Credits or APTCs through Access Health CT, that credit cannot be used to help pay for the costs of stand-alone dental plans. If you voluntarily end your dental coverage, you may not be eligible to enroll again until the next Open Enrollment Period. This includes voluntary termination for not making premium payments, so be sure to pay your monthly bill premium to your insurance company. There is no out-of-pocket maximum for adults, some plans have a waiting period before you can start getting covered services, and covered benefits will vary between plans. Note there is no waiting period for diagnostic and preventative services. See below for more information. More About Dental Plans Plan Benefits Coverage Areas Adult Dental Coverage Dental plans have three major coverage areas for adults Diagnostic Preventive Services, Basic Restorative Services, and Major Services. Each plan may offer different services andor coverage, and these differences will have an impact on the monthly cost of your plan. While shopping for plans, consumers can look at the Plan Document to see what services are covered. Pediatric Dental Coverage Covered persons up to age 25 can get Dentally Necessary Orthodontic Care in addition to Diagnostic Preventive Services, Basic Restorative Services, and Major Services. Out-of-Pocket Maximum An annual out-of-pocket maximum is the most a member will pay out of their pocket in a coverage year. Adult dental benefits are not subject to an out-of-pocket maximum, so there is no cap on what an adult must pay out of your own pocket. However, there is an out-of-pocket maximum for children through age 25. Check your plan details for specific information. Benefit Maximum A Benefit Maximum is a limit on the total amount of covered services under your plan. Children dental benefits for covered persons through age 25 are not subject to a Benefit Maximum. However, there is a Benefit Maximum for adults, age 26 and older. Check your plan details for specific information. An Adult is defined as a covered person age 26 and older, and a Child refers to a covered person through age 26 who would be eligible for pediatric benefits. Waiting Periods for New Members A waiting period is the length of time you must be covered under this policy before you can use your benefits. Certain types of services may have waiting periods under your policy, but preventive and diagnostic services do not have waiting periods. You are eligible for coverage for benefits once your waiting period is over. Waiting periods only apply to adult benefits as specified within each plan. Exceptions to Waiting Periods Waiting Periods will be waived for newly enrolled adults age 26 and older when proof of 12 months of continuous prior coverage for those services is provided from the prior dental insurance carrier and when the termination date is no more than 30 days prior to the effective date of this policy.
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You can get dental coverage through Access Health CT in a few different ways.
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Differences with Metal Levels Written by Yessenia Milan Last published at March 08, 2024 There are different plan options available at the Bronze, Silver, and Gold levels. Each metal level offers a different degree of coverage, so you should look for the plan that best fits your medical needs as well as your budget. Some types of plans may restrict your provider choices or encourage you to get care from your plans network of providers, while others pay a larger share for services outside of the provider network. Its important that you understand the differences between these metal levels, and that you should look beyond just the monthly premium payment when comparing plans. Pay attention to your yearly deductible, copayments, or coinsurance costs, and review the plans network of providers. Plans with the lowest monthly payments premiums are not always the cheapest option for you and your family. For more information on types of plans, differences between plans and how to sort your options, click here or continue reading. For information on Catastrophic Plans, click here. To shop and compare plans now, go to AccessHealthCT.com and click Compare Plans. Gold PlansOffer greater coverage but may come with a higher monthly price tag. Many gold plans have low deductibles and often, low out-of-pocket costs when you receive care. Is this plan for you? They may be a good option for people who use services more frequently or who want the assurance that if they need care that, they will lower out-of-pocket costs. Silver PlansTend to have moderate monthly payments premiums. A number of services with a copay or coinsurance right away when you use your Silver plan. Silver plans also have separate, much smaller deductibles for prescription drugs which can provide you with greater access to these benefits. Is this plan for you? They may be a good option for people who may use services from time to time or for people who qualify for Cost-Sharing Reductions CSRs. Pay close attention to this Cost-Sharing Reductions CSRs lower the amount you pay out-of-pocket for deductibles, coinsurance, and copayments when you get medical services. If you qualify for CSRs, you must enroll in a Silver level plan to get these lower costs. Bronze Plans May have lower monthly premiums, but may require you to meet high deductibles before the plan will start paying for the services you receive. This means Bronze plans may be cheaper to have, but more expensive to use. Is this plan for you? They may be a good option for people who do not think they will need to use their coverage but want protection against the high costs of serious health events or issues or for those who qualify to use pre-tax dollars to pay for healthcare costs through a Health Savings Account HSA. Are There Other Coverage Options? Yes! Health Coverage for individuals and families Access Health CT partners with the Department of Social Services to offer enrollment in HUSKY Health programs- consisting of Medicaid, known as HUSKY A D, and the Childrens Health Insurance Program CHIP, known as HUSKY B. These programs are available at NO cost or LOW cost. More information here. Standalone Dental Plans All health insurance plans offered through Access Health CT include pediatric dental coverage as an Essential Health Benefit. In Connecticut, pediatric dental coverage is available for anyone under 26 years old. So, stand-alone dental plans can be an option for people who are over 26 years old and need dental coverage or for children not enrolled in health insurance plans through Access Health CT. Learn About Dental Plans Small Business Coverage We understand how important it is for you and other small business owners to offer your employees quality healthcare coverage. Access Health CT are available to small businesses that have 50 or fewer full-time equivalent employees, with flexible options that make quality healthcare coverage possible- and we offer expert advice and support. Learn more or get a free quote here.
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There are different plan options available at the Bronze, Silver, and Gold levels. Each metal level offers a different degree of coverage, so you should look for the plan that best fits your medical needs as well as your budget.
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Disabled Veteran Written by Yessenia Milan Last published at December 22, 2023 No. Veterans disability benefits should NOT be included in your household income. Disability benefits are counted as part of your MAGI unless they are a veterans disability benefits. Please talk to a tax advisor if you have questions.
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Veterans disability benefits should NOT be included in your household income. Disability benefits are counted as part of your MAGI unless they are a veterans disability benefits. Please talk to a tax advisor if you have questions.
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Does Access Health CT offer a Catastrophic Plan? Written by Yessenia Milan Last published at April 26, 2023 Catastrophic plans are only available to people younger than 30 years old or to those who have been granted a hardship or affordability exemption from Access Health CT. You are not eligible to get financial help to pay for Catastrophic plans. These plans have low monthly premiums and provide the lowest level of coverage, but they have higher out-of-pocket costs than other types of plans. When you fill out an application for coverage, youll see Catastrophic Plans listed as an option only if you qualify for them. If you dont qualify, you wont see them as an option to select. An exemption for hardship or affordability to purchase a catastrophic plan can only be granted by Access Health CT. Click here to download the application and the instructions about how to complete the form. Is this plan for you? This may be a good option for people who want protection from worst-case scenarios, like getting seriously sick or injured, but you will pay most routine medical expenses yourself. These plans have low monthly premiums, but also have high deductibles your deductible is the amount you pay for covered healthcare services before your insurance plan starts to pay. Your deductible will be waived for your first 3 primary care visits, but you must meet the plan deductible for all other covered services before the plan provides coverage. After you spend the deductible amount, your insurance company pays for all covered services, with no copayment or coinsurance. If you qualify for premium tax credits based on your household income, they cannot be applied to a Catastrophic plan so you may want to consider a Bronze or Silver plan which may be a better value. Be sure to compare. For more information about the types of plans, you can get through Access Health CT, click here.
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Catastrophic plans are only available to people younger than 30 years old or to those who have been granted a hardship or affordability exemption from Access Health CT. Catastrophic plans have low monthly premiums and provide the lowest level of coverage, but they have higher out-of-pocket costs than other types of plans.
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Eligibility for Medicaid HUSKY Health CHIP Written by Yessenia Milan Last published at November 01, 2024 How do I know if I qualify for HUSKY Health? Find out if you qualify for HUSKY Health by completing an application with Access Health CT or the Department of Social Services. For detailed program rules, please visit How to Qualify ct.gov HUSKY A Medicaid for children and teens up to age 19, parents or relative caregivers of any age with a dependent children under age 19, pregnant and post-partum individuals of any age, and individuals formerly in foster care up to age 26. HUSKY B Childrens Health Insurance Program CHIP for uninsured children and teens up to age 19 who have too much income to qualify for Medicaid. HUSKY B also provides prenatal care to individuals of any age who do not qualify for Medicaid due to immigration status. HUSKY C Medicaid for adults age 65 and older as well as adults with disabilities, and those requiring long-term services and supports through home and community based services or residential or skilled nursing facilities. In addition to income limits, HUSKY C also has asset limits. HUSKY D Medicaid for low-income adults between the ages of 19 and 64 without dependent children. State HUSKY A Postpartum 12 months of postpartum-care to recently pregnant non-citizen individuals of any age who do not qualify for Medicaid due to immigration status. State HUSKY A and State HUSKY B State-funded HUSKY coverage for children aged 0-15, who do not qualify for regular HUSKY A and HUSKY B due to immigration status. HUSKY Health coverage is available to those who are U.S. citizens, naturalized citizens, Lawful Permanent Residents LPRs, and other immigrants. For more information, please visit Deferred Action for Childhood Arrivals DACA recipients are not eligible to enroll in regular HUSKY Health programs, including Medicaid and the Childrens Health Insurance Program CHIP. However, there are State programs listed above available for children and pregnant individuals who do not qualify for regular Medicaid because of their immigration status. Eligibility for these programs depends on your household income.
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Find out if you qualify for HUSKY Health by completing an application with Access Health CT or the Department of Social Services. For detailed program rules, please visit How to Qualify ct.gov HUSKY A Medicaid for children and teens up to age 19, parents or relative caregivers of any age with a dependent children under age 19, pregnant and post-partum individuals of any age, and individuals formerly in foster care up to age 26. HUSKY B Childrens Health Insurance Program CHIP for uninsured children and teens up to age 19 who have too much income to qualify for Medicaid. HUSKY B also provides prenatal care to individuals of any age who do not qualify for Medicaid due to immigration status. HUSKY C Medicaid for adults age 65 and older as well as adults with disabilities, and those requiring long-term services and supports through home and community based services or residential or skilled nursing facilities. In addition to income limits, HUSKY C also has asset limits. HUSKY D Medicaid for low-income adults between the ages of 19 and 64 without dependent children. State HUSKY A and State HUSKY B State-funded
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Eligibility- Children Written by Yessenia Milan Last published at December 22, 2023 The Affordable Care Act allows parents to keep their adult children on their health insurance plan until age 26.
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Eligibility- Adult children are eligible for health insurance until age 26. The Affordable Care Act allows parents to keep their adult children on their health insurance plan until age 26.
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Employer Sponsored Coverage Written by Yessenia Milan Last published at February 03, 2025 If you are being offered coverage through an employer, or through a family members employer, you may still be able to enroll through Access Health CT and get help with paying for healthcare coverage. Families with offers of employer health coverage may have new opportunities for savings, even if before they werent eligible. Can I enroll through Access Health CT if my employer offers health insurance? Yes, you can still enroll in a private health insurance plan Qualified Health Plan through Access Health CT, however, if the employers coverage is considered affordable and meets the Minimum Value Standard, you will not be eligible to receive financial help a Premium Tax Credit PTC or Cost-Sharing Reduction CSR, regardless of your household income. Affordable A health insurance plan is deemed affordable if the employees premium contribution toward the least-expensive plan for coverage is equal to or less than 8.39 of the households Modified Adjusted Gross Income in 2024. Minimum Value Standards A health plan meets minimum value standards if it pays at least 60 of the total cost of medical services including substantial coverage for physician and inpatient hospital services. How is Affordability calculated? Access Health CT will use the information you provide in your application for health coverage to determine if your employers coverage is affordable. Make sure to contact the Human Resources department at your employer to gather all information required in our application. Not entering enough information regarding your employers coverage offered will delay determination of your eligibility for the Premium Tax Credit PTC until all necessary information is provided and we can determine that you do indeed qualify. You can use the Employer Coverage Tool from healthcare.gov to gather information about your employer. My employer doesnt offer coverage, but my spouses employer does. Am I still eligible for individual medical coverage through Access Health CT? Yes, you can enroll in a plan through Access Health CT. However, if the plan offered by your spouses employer is offered to you and the plan is considered affordable and meets the Minimum Value Standard you may not be eligible for some financial help through Access Health CT. A health insurance plan is considered to be affordable for the employee, if the premium cost to the employee alone meets the affordability percentage. Under a new federal law, family members may also qualify for financial assistance now. The cost of the employer plan for additional family members the employees spouse andor dependents will now be considered as the measure of affordability for those people. You should fill out the employer-sponsored coverage section of the Access Health CT application and answer all the questions. The enrollment and eligibility system will produce an accurate determination. If you do not know the details of your employers or your spouses employer health insurance, you should check with the employer and update your Access Health CT application with this information. A recent job or job-based coverage loss could mean you were offered COBRA, click here to learn more.
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If you are being offered coverage through an employer, or through a family members employer, you may still be able to enroll through Access Health CT and get help with paying for healthcare coverage. Families with offers of employer health coverage may have new opportunities for savings, even if before they werent eligible.
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Enrollment Contact Access Health CT Written by Yessenia Milan Last published at January 16, 2025 The Open Enrollment Period for 2026 health and dental insurance coverage begins November 1, 2025. Residents may be able to enroll at any time through Access Health CT if they Are an American Indian or Alaska Native Qualify for HUSKY Health MedicaidChildrens Health Insurance Program Qualify for the Covered CT Program Experience a Qualifying Life Event like losing health coverage through your job, getting married, or moving to Connecticut from another state or country We Are Here to Help Call us at 1-855-805-4325. Hours of Operation Holiday hours may vary, check website for details Live Chat available at AccessHealthCT.com Visit one of our Enrollment Locations Find a Broker or Certified Application Counselor CAC near you Call Center Days Hours of Operation Monday Friday 800 a.m. 400 p.m. What documentsinformation do I need to enroll? You should have the following information for yourself and anyone in your household even if they dont need coverage Dates of Birth Social Security Numbers Visa, green card, or immigration documents Most recent W2 andor Form 1040, 1099 Pay-stubs, Profit Loss Statements or other employment information Current insurance coverage policy numbers for any current health insurance plans covering members of your household Download our Enrollment Checklist English Spanish Haitian Creole Polish What information do I need to provide when calling to update my application or if I have an escalated issue? Full name Date of Birth Address Social Security Number In order to make changes or receive information about an Access Health CT account or application, you must be the primary applicant, authorized representative, or broker on the application. If you are not a primary applicant or are not an authorized representative. Access Health CT cannot release information or make changes to your Access Health CT account. Why? This information is needed to verify that we are speaking with someone authorized to make changes, receive information about the Access Health CT accountapplication, and to protect the privacy and security of customer information. How long will the enrollment process take? For those individuals or smaller households that do not require assistance, we estimate that it may take about 3045 minutes to complete the enrollment process online. For larger households, those with complex situations or eligibility issues, it may take longer. Please contact Access Health CT at 1-855-805-4325 if you need any assistance. How do I enroll through Access Heath CT? We realize that not everyone has regular access to the same type of technology or may prefer a personal approach to discuss their healthcare coverage options. Were here to help! You can get the coverage you need online, over the phone, or in person. Apply online at AccessHealthCT.com its an easy and convenient way to compare the available plans and see if you qualify for financial help. Apply in-person with a trained and certified Insurance Broker or a Certified Application Counselor CAC. Click here to find one near you. Call us at 1-855-805-4325 to speak with a trained Enrollment Specialist who can answer your questions and guide you through the enrollment process in many different languages. Visit AccessHealthCT.com to learn more about the enrollment process and what you should look for when you shop. We have resources available in many languages spoken by Connecticut residents. What phone number should I call if I have questions about my enrollment? For any enrollment or general questions, please call Access Health CT at 1-855-805-4325. Customers who are deaf or hearing impaired may use TTY at 1-855-789-2428 or call 1-855- 805-4325 with a relay operator. If you have questions about your monthly bill or insurance benefits, you should contact your insurance company. Their phone number is located on the back of your insurance card Qualified Health Plans QHP ConnectiCare 1-800-251-7722 Anthem 1-855-738-6644 HUSKY HealthMedicaid DSS Client Information Line Benefit Center 1-855-626-6632 HUSKY Health Member Services 1-800-859-9889 HUSKY B Premium Billing 1-800-656-6684
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The Open Enrollment Period for 2026 health and dental insurance coverage begins November 1, 2025. Residents may be able to enroll at any time through Access Health CT if they Are an American Indian or Alaska Native Qualify for HUSKY Health MedicaidChildrens Health Insurance Program Qualify for the Covered CT Program Experience a Qualifying Life Event like losing health coverage through your job, getting married, or moving to Connecticut from another state or country We Are Here to Help Call us at 1-855-805-4325. Hours of Operation Holiday hours may vary, check website for details Live Chat available at AccessHealthCT.com Visit one of our Enrollment Locations Find a Broker or Certified Application Counselor CAC near you Call Center Days Hours of Operation Monday Friday 800 a.m. 400 p.m.
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Essential Health Benefits Written by Yessenia Milan Last published at October 24, 2024 Read this article to find out what benefits are covered by every health plan available through Access Health CT. If youre paying for health insurance, you should know what is included with your plan and what services you can get at no cost to you. This information does not apply to our Dental Insurance plans. All health insurance plans offered through Access Health CT provide coverage for the same set of Essential Health Benefits. Essential health benefits are minimum requirements for all plans available through Access Health CT. While the cost for certain benefits may vary depending on the selected plan, you can be assured that all plans will provide coverage for Ambulatory patient services outpatient care you get without being admitted to a hospital Emergency room coverage Hospitalization such as surgery Maternity and newborn care care before and after your baby is born Mental health and substance abuse services, including behavioral health treatment includes counseling and psychotherapy Prescription drug coverage Rehabilitative and habilitative services and devices services and devices to help people with injuries, disabilities, or chronic conditions gain or recover mental and physical skills Laboratory service coverage Preventive and wellness services and chronic disease management Pediatric services including oral and vision care for people under the age of 26 Plans must also include the following benefits Birth control coverage Breastfeeding coverage Some plans offer many additional covered benefits. Specific services covered in each benefit category can vary, so check the Plan Details to see what is covered. Plans may offer additional benefits, including Dental coverage Vision coverage Medical management programs for specific needs like weight management, back pain, and diabetes Preventive Care Most health plans must cover a set of preventive services like vaccines and health screenings at no cost to you. These services are free only when delivered by a doctor or other provider in your plans network. Getting preventive care, like annual checkups which can help you detect or prevent illnesses or diseases from becoming major issues, are the best way to keep your healthcare costs low. Often, you can start using your benefits right away, without worrying about paying a deductible. You can look at your plan documents to identify those benefits, or check with your insurance company to see which benefits your plan covers. Looking for a Plan? You should always review the full plan information before enrolling in a plan to make sure it meets your needs. When choosing a plan, think about costs beyond your monthly payment premium. Pay attention to yearly deductible, co-payments, or co-insurance costs and review the plans network of providers and prescription drug coverage. For more on comparing health plans, click here. To compare plans and enroll, visit AccessHealthCT.com. If youre already enrolled and want to explore all the benefits of your plan, get in touch with your insurance company.
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Read this article to find out what benefits are covered by every health plan available through Access Health CT.
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Exemptions from the ACA Individual Mandate Written by Yessenia Milan Last published at November 22, 2023 Starting January 1, 2014, the individual shared responsibility provision of the Patient Protection and Affordable Care Act ACA required individuals to have Minimum Essential Health Coverage MEC each month known as the Individual Mandate, or pay a financial penalty for failure to have MEC known as the Shared Responsibility Payment. Individuals, however, could qualify for an exemption from the Individual Mandate and avoid paying the financial penalty for failure to have MEC. There are several types of exemptions, including, for example, exemptions based on membership in certain religious sects and exemptions based on hardship and affordability. Under the Tax Cuts and Jobs Act, the Shared Responsibility Payment was reduced to 0, effective for months after December 31, 2018. Therefore, starting with the 2019 tax year, individuals do not need to pay the Shared Responsibility Payment if they do not have MEC or qualify for an exemption from the Individual Mandate. Because the Individual Mandate remains in place despite the reduction of the Shared Responsibility Payment to 0, an exemption for hardship or affordability is required for those individuals over the age of 30 looking to purchase a catastrophic health plan. Claiming a Hardship or Affordability Exemption from the Individual Mandate to Purchase a Catastrophic Health Plan An exemption for hardship or affordability from the Individual Mandate is required for those individuals over the age of 30 looking to purchase a catastrophic health plan. If youre under 30, you dont need an exemption to enroll in a catastrophic plan. An exemption for hardship or affordability to purchase a catastrophic plan can only be granted by Access Health CT. Click here to download the application and the instructions about how to complete the form. For tax year 2024, you can claim an Affordability Exemption ONLY if the lowest-cost coverage available to you through Access Health CT or through an employer-sponsored plan would cost you more than 8.39 of your households Modified Adjusted Gross Income in 2024. A hardship exemption may be granted for various reasons, including, for example Bankruptcy Eviction Natural Disaster Religious beliefs Financial Hardship
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Starting January 1, 2014, the individual shared responsibility provision of the Patient Protection and Affordable Care Act ACA required individuals to have Minimum Essential Health Coverage MEC each month known as the Individual Mandate, or pay a financial penalty for failure to have MEC known as the Shared Responsibility Payment. Individuals, however, could qualify for an exemption from the Individual Mandate and avoid paying the financial penalty for failure to have MEC. There are several types of exemptions, including, for example, exemptions based on membership in certain religious sects and exemptions based on hardship and affordability. Under the Tax Cuts and Jobs Act, the Shared Responsibility Payment was reduced to 0, effective for months after December 31, 2018. Therefore, starting with the 2019 tax year, individuals do not need to pay the Shared Responsibility Payment if they do not have MEC or qualify for an exemption from the Individual Mandate. Because the Individual Mandate remains in place despite the reduction of the Shared Responsibility Payment to 0, an exemption for hardship or affordability from the Individual Mandate is required for those individuals over the age of 30 looking to purchase a catastrophic health plan. If youre under 30, you dont need an exemption to enroll in
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Financial Help and LowNo-Cost Programs Written by Yessenia Milan Last published at October 25, 2024 Most people qualify for some type of financial help, low-cost or free coverage thanks to new laws and programs, including the Inflation Reduction Act IRA and new Covered CT Program. Even people who werent eligible in the past may qualify for new financial help. Complete One Application to See Your Options Access Health CT is the only place where you can qualify for financial help to lower your health insurance costs or, if eligible, enroll into free or low-cost coverage through HUSKY Health MedicaidChildrens Health Insurance Program. Before you begin an application, you can use the Compare Plans tool to enter some basic information about your householdlike your tax household size, home address, and household incometo understand your coverage and financial help options. It is our mission to increase the number of insured residents in Connecticut. We partner with the Department of Social Services to offer a single application process for healthcare coverage to residents. Whether you qualify for a HUSKY Health Program or for a Qualified Health Plan QHP through a private insurance company, you can expect the same free help through Access Health CTonline, by phone, or in-person. Most people get financial help for coverage through a Qualified Health Plan QHP or no- or low- cost coverage through a HUSKY Health Program. Your Coverage Financial Help Options 1. HUSKY Health Programs Medicaid and the Childrens Health Insurance Program CHIP You may be eligible for HUSKY Health Programs MedicaidCHIP, which offer no- or low-cost healthcare coverage if your household meets the income requirements, and you are Currently pregnant A single Connecticut resident who has no children, or who has children age 19 or older Parents or caregivers of Medicaid-eligible children A Medicaid-eligible child under 19 For more information about HUSKY Health Programs, click here. 2. Financial Help Available Only For Qualified Health Plans Offered Through Access Health CT If you do not qualify for a free or low-cost program through Medicaid or HUSKY Health Programs, you may be able to enroll in a health insurance plan with financial help to lower your healthcare costs. If you enroll in a Qualified Health Plan QHP through Access Health CT, there are two types of financial help you may qualify for Premium Tax Credits PTC which you can take in advance APTC or claim on your federal income tax return Cost-Sharing Reductions CSR Financial Help Options for QHPs What It Does... Premium Tax Credits PTC, also called Advance Premium Tax Credits APTCs Reduces your monthly payments premium or claim when you file your federal income taxes Cost-Sharing Reductions CSR Reduces what you pay out of your own pocket when you use your plan More About Financial Help Available Only Through Access Health CT 1. Advance Premium Tax Credits What is it? Premium Tax Credits PTC, also called Advance Premium Tax Credits APTC, can be distributed monthly or when you file your federal income taxes. When used in advance, Premium Tax Credits can help lower your monthly payments known as premiums when you enroll through Access Health CT. To qualify for a Premium Tax Credit, you Cannot be eligible for other affordable healthcare coverage through your employer or a government-sponsored program, such as Medicaid, Tricare, Medicare, or VA benefits Must be a Connecticut resident and a citizen or lawful resident of the United States, and not in prison other than pending final disposition of charges Must enroll in a Qualified Health Plan QHP offered through Access Health CT If you are married, you must file a joint tax return unless you are a victim of domestic abuse or spousal abandonment You must not be claimed as a dependent on anyone elses return You must file a Form 1040 income tax return at least for the year that you got APTCs and must file IRS Form 8962 to make sure that you got the correct amount of APTCs during the year. How does financial help work? When you apply through Access Health CT and we determine that you are eligible for Premium Tax Credits, you will be given the option to take the credits in advance thats the A in APTC, or you can wait until your annual federal income tax filing to reconcile your household income and Premium Tax Credits. When enrolling online, you can use the sliding scale on the Advance Premium Tax Credit selection page in your application to choose how much of the tax credit to take in advance - you can take all, some, or none of the Premium Tax Credits. In general, there are two ways you can take advantage of Premium Tax Credits In Advance When you choose to take Advance Premium Tax Credits, the tax credit is paid directly from the federal government to your insurance company to help lower your monthly payments known as premiums. Its important that you estimate your annual household income accurately and contact Access Health CT if your income chan
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Most people qualify for some type of financial help, low-cost or free coverage thanks to new laws and programs, including the Inflation Reduction Act IRA and new Covered CT Program. Even people who werent eligible in the past may qualify for new financial help. Complete One Application to See Your Options Access Health CT is the only place where you can qualify for financial help to lower your health insurance costs or, if eligible, enroll into free or low-cost coverage through HUSKY Health MedicaidChildrens Health Insurance Program. Before you begin an application, you can use the Compare Plans tool to enter some basic information about your householdlike your tax household size, home address, and household incometo understand your coverage and financial help options. Access Health CT is the only place where you can qualify for financial help to lower your health insurance costs or, if eligible, enroll into free or low-cost coverage through HUSKY Health MedicaidChildrens Health Insurance Program. Before you begin an application, you can use the Compare Plans tool to enter some basic information about your householdlike your tax household size, home address, and household incometo understand your coverage and financial help options. Access Health CT is the only place where
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Form 1095-A Written by Yessenia Milan Last published at January 15, 2025 If you or anyone in your household enrolls in a Qualified Health Plan QHP through Access Health CT, you will receive a Form 1095-A from Access Health CT. You will need this Form to complete your federal income tax return even if you did not receive financial help Advance Premium Tax Credits or were only enrolled in a Qualified Health Plan for one month. Individuals enrolled in a Catastrophic plan will not receive a Form 1095-A and they do not need to include information about their Catastrophic plan in their federal income tax return. Access Health CT mails a Form1095-A to the primary tax filer in a household by January 31 of each year. Form 1095-A will have information about the prior coverage year ex if you had coverage in 2024, the Form 1095-A will be issued by January 31, 2025. Did You Know? If you have an online account, you can view or print your Form 1095-A online! Sign in at AccessHealthCT.com and click Get My Tax Forms. If you do not receive your Form 1095-A by March 31, 2025, you should consider filing for an extension to file your federal income tax return with the Internal Revenue Service IRS. For most people, the deadline to file their federal income tax return or file for an extension is April 15, 2025. What is Form 1095-A? Form 1095-A is a tax form issued by Access Health CT. It is sent to the primary tax filer in a household and will include all members of the household who were enrolled in a Qualified Health Plan. Form 1095-A shows Who had qualified coverage in your household Your household plan information and the monthly payment known as a premium The amount of money paid to your insurance company to help lower your monthly costs known as Advance Premium Tax Credits or APTCs. Who will receive Form 1095-A from Access Health CT? The primary tax filer in a household, where at least one household member was enrolled in a Qualified Health Plan QHP through Access Health CT in the previous calendar year. Who Will NOT receive a Form 1095-A from Access Health CT? 1. Individuals who were enrolled in a Catastrophic plan through Access Health CT will NOT receive a Form 1095-A for their coverage. 2. Individuals who had HUSKY Health Coverage Medicaid or the Childrens Health Insurance Program CHIP can request a Form 1095-B from the Connecticut Department of Social Services, not Access Health CT. 3. You should expect a Form 1095-C if you were enrolled in coverage through your employer or through Medicare. If you have questions, please contact your employer or the Centers for Medicare and Medicaid Services CMS. 4. Why is Form 1095-A Important? Form 1095-A is used by a primary tax filer to Reconcile Advance Premium Tax Credits APTCs on their federal income tax return by completing IRS Form 8962, which the IRS uses to determine whether you received the correct amount of APTCs. Please see a tax professional for help with completing Form 8962. Where can I find my Form 1095-A? Sign in to your Access Health CT account and click Get My Tax Forms. If you dont find your Form 1095-A, you can also click Read My Messages and type 1095 in the search bar to retrieve your Form 1095-A. If you cannot locate your Form, please contact us. You may need to reset your password if its been a while since you logged in. Remember when filing your taxes If you received Advance Premium Tax Credits APTCs and you do not file your tax return with Form 8962 to reconcile your APTC amounts, you may not be able to receive APTCs in future years until you complete Form 8962 and file it with your federal income tax return. If you filed your federal income tax return electronically and it was rejected for a missing Form 8962, you may need to resubmit your return with a completed Form 8962 or an explanation for why you are missing the form, and then attach it to your return when you refile. Learn how to correct an electronically filed return rejected for a missing Form 8962, here. If your filing or income information has changed since you applied for health coverage, you may have to pay back some or all of the Advance Premium Tax Credit amounts financial help you received. More About Form 1095-A When does it arrive? Each year, Form 1095-A is sent by Access Health CT by January 31 with information about the prior coverage year ex For coverage in the year 2024, Form 1095-A will be sent by January 31, 2025. If you do not receive your Form 1095-A by February 15, please contact Access Health CT. How does it arrive? Form 1095-A is sent to customers by mail and is made available in their online account. Form 1095-A CANNOT be emailed or faxed. If youve misplaced your Form 1095-A, please contact us for assistance. What should customers do with the form? Check the information on your Form 1095-A. Make sure the information is up-to-date for everyone covered under your plan. That includes your name, home address, health plan information and Advance Premium Tax Credit amounts if applic
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If you or anyone in your household enrolls in a Qualified Health Plan QHP through Access Health CT, you will receive a Form 1095-A from Access Health CT. You will need this Form to complete your federal income tax return even if you did not receive financial help Advance Premium Tax Credits or were only enrolled in a Qualified Health Plan for one month. Individuals enrolled in a Catastrophic plan will not receive a Form 1095-A and they do not need to include information about their Catastrophic plan in their federal income tax return. Access Health CT mails a Form1095-A to the primary tax filer in a household by January 31 of each year. Form 1095-A will have information about the prior coverage year ex For coverage in the year 2024, the Form 1095-A will be sent by January 31, 2025. If you do not receive your Form 1095-A by March 31, 2025, you should consider filing for an extension to file your federal income tax return with the Internal Revenue Service IRS. For most people, the deadline to file their federal income tax return or file for an extension is April 15, 2025.
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Form 1095-C Written by Yessenia Milan Last published at January 16, 2025 A 1095-C is a tax form issued by an employer to an employee and other eligible household members to show information about the healthcare coverage the employee had. You should expect a Form 1095-C if you had coverage through your employer or through Medicare. The IRS requires all 1095-Cs to be issued by January 31st. If you have questions about your 1095-C form, please contact your employer or the Centers for Medicare and Medicaid Services CMS.
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A 1095-C is a tax form issued by an employer to an employee and other eligible household members to show information about the healthcare coverage the employee had. You should expect a Form 1095-C if you had coverage through your employer or through Medicare. The IRS requires all 1095-Cs to be issued by January 31st. If you have questions about your 1095-C form, please contact your employer or the Centers for Medicare and Medicaid Services CMS.
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Help With Your Verifications Written by Yessenia Milan Last published at January 30, 2025 This article has a list of documents that can be used to verify your eligibility or other information. You can also see general information about verifications and instructions for uploading documents. If you still have questions, find help or call us at 1-855-805-4325 TTY 1-855-789-2428 or contact us at 1-855-805-4325 with a relay operator. If you received a letter from us asking you to submit documents to confirm your eligibility for healthcare coverage, follow the steps described below. Even if you have enrolled and started using your plan, you may lose your coverage or financial help if we dont receive these documents from you by the deadline indicated in the letter. The letter you receive will tell you what kind of information we need, such as Proof of Income Proof of Identity Proof of U.S. Citizenship or U.S. National Status Proof of Lawful PresenceImmigration Status Proof of Eligibility for Financial Help Proof of Qualifying Life Event for Special Enrollment Please see below for more information regarding what documents you can provide for each category. Income To verify your income, send us any of the following documents Employer Wages Earned Income Pay stub must include Your full name first name, last name, middle name or middle initial, if available or other identifying information i.e. your Social Security number SSN. Date of the pay stub To verify annual income, the pay stub you submit must be dated within six 6 months of the application date. Pay period The pay stub pay period must be within six 6 months of the date Access Health CT receives the application. Duration of pay period The total amount of time that pay stubs are meant to capture for verification purposes is one month of pay or four 4 weeks of time. Pay stubs may show different periods of work time, but all submitted pay stubs need to show a total duration of a month. It is recommended that you submit consecutive pay stubs to satisfy the verification requirement. Company name The pay stubs you submit should all be from the same company. You may submit pay stubs from different companies, but they need to cover a distinct monthly period, as opposed to being added together as a single income for the same monthly period. Income amount The gross income amount from all submitted pay stubs is verified against the annual income reported in the application. U.S. Individual Income Tax Return U.S. Individual Income Tax Return Form 1040, 1040NR, 1040A, 1040ES, 1040NR-EZ, 1040EZ, with original 1040 from previous year, with any appropriate Schedules i.e. Schedule C, Schedule F, Schedule SE, Schedule E. It must include Your full name first name, last name, middle name or middle initial if available. Your SSN if filed jointly, submit SSN of your spouse as well. Annual income amount. Tax year tax returns must be from previous year. Sample 1040 can be viewed here. Sample Schedule C can be viewed here. Sample Schedule E can be viewed here. Wage and Tax Statement Wage and Tax Statement W-2 andor 1099, including 1099 MISC, 1099G, 1099R, 1099SSA, 1099DIV, 1099B, 1099INT. It must include Your full name first name, last name, middle name or middle initial, if available. Gross annual income amount. Tax year must be from the previous calendar year. Employer name if applicable. Sample W-2 can be viewed here. Sample 1099-MISC can be viewed here. Employer Statement Employer Statement cannot be used for the self-employment income. It must Be on company letterhead or state the name of the company. Be signed by the employer. Be no older than six 6 months of the application date. Include the following information Name of employer or company. Name of person writing the letter. Employer or company address. Employer or company telephone number. Date of the letter. The start date and, if applicable, the end date of the employees employment or period of pay i.e. weekly, bi-weekly, monthly, or annually. The total amount earned during the employees employment or applicable period of pay. Sample Employer Statement Letter can be viewed here. Self-employment income Self-empolyment income includes farm income Self-employment profit and loss statement or ledger documentation the most recent quarterly or year-to-date profit and loss statement, or a self-employment ledger must be no older than twelve 12 months of the application date. It must contain Your first and last name and company name. Dates covered and the net income from profitloss. Sample Income StatementProfit and Loss Statement can be viewed here. NOTE This is a sample of profit and loss statement. Not all the fields in this template are mandatory. You may consider completing the fields that are applicable to your business. Sample Schedule C can be viewed here. Other Below are other documents that you can use to verify your annual income. Dates of documents must be no older than one 1 year of the application date. Annuity stateme
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This article has a list of documents that can be used to verify your eligibility or other information. You can also see general information about verifications and instructions for uploading documents. If you still have questions, find help or call us at 1-855-805-4325 TTY 1-855-789-2428 or contact us at 1-855-805-4325 with a relay operator. If you received a letter from us asking you to submit documents to confirm your eligibility for healthcare coverage, follow the steps described below. Even if you have enrolled and started using your plan, you may lose your coverage or financial help if we dont receive these documents from you by the deadline indicated in the letter. The letter you receive will tell you what kind of information we need, such as Proof of Income Proof of Identity Proof of U.S. Citizenship or U.S. National Status Proof of Lawful PresenceImmigration Status Proof of Eligibility for Financial Help Proof of Qualifying Life Event for Special Enrollment
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How can I get the most from my healthcare coverage? Written by Yessenia Milan Last published at February 19, 2025 Schedule your annual in-network checkup Use in-network benefits wherever possible. Find the right primary care doctor for your needs. You can search for a doctor on your insurance companys website. Fill prescriptions at in-network pharmacies, and take advantage of generic drugs and mail order programs, if offered by your insurance company. They are usually the cheapest options for the prescriptions you may need. Always remember to pay your premiums on time so that you can avoid coverage delays or lapses in coverage. Call your carrier directly with questions and learn more about their resources. For more information, click here.
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How Do I Cancel My Coverage? Written by Yessenia Milan Last published at October 02, 2024 Customers enrolled in a Qualified Health Plan QHP coverage can cancel their coverage online or by phone with Access Health CT. However, if any member of the household has HUSKY Health coverage MedicaidChildrens Health Insurance Program you must call Access Health CT to cancel your coverage. How to Cancel QHP Coverage Requests to end your coverage must go through Access Health CT directly. These requests cannot be processed by your insurance company. You can cancel your Qualified Health Plan by calling us at 1-855-805-4325, or if you have an online account you can cancel your health insurance coverage by signing in to your account and clicking Additional Actions, and then clicking End My Coverage. The Date You Contact Us or Cancel Your Coverage Is Important Coverage is typically terminated at the end of the month in which Access Health CT receives the cancellation request. However, you can request to terminate coverage back to the end of the prior month as long as you make your request before the last day of the month see example below. One exception is in the case of death of an enrollee where the end date of coverage is the date of death. For example, Customers can request to cancel their coverage as of 93022 as long as they request cancellation by 103022 103122 would be too late! If you need a coverage termination letter, please contact your insurance company.
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Customers enrolled in a Qualified Health Plan QHP coverage can cancel their coverage online or by phone with Access Health CT. However, if any member of the household has HUSKY Health coverage MedicaidChildrens Health Insurance Program you must call Access Health CT to cancel your coverage.
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Husky Health Coverage Limited Benefit for COVID-19 Testing Written by Yessenia Milan Last published at February 08, 2024 HUSKY Health is Connecticuts public health insurance program. HUSKY Health is also known as Medicaid or the Childrens Health Insurance Program CHIP. HUSKY Health is administered by the Department of Social Services in partnership with Access Health CT, our states health insurance marketplace. Important HUSKY Health offers limited coverage that will pay for COVID-19 coronavirus testing and a visit with your doctor or medical provider to decide if you need to be tested for COVID-19. This limited coverage is available to most Connecticut residents without health insurance, regardless of your immigration status, and covers COVID-19 testing, treatment, and vaccinations. This limited COVID 19 coverage is in effect for the duration of the federal Public Health Emergency PHE. To see if you can get COVID-19 testing limited coverage, you will need to apply for full HUSKY benefits. If you are eligible for full HUSKY benefits, it will include coverage for COVID-19 testing and treatment. You can begin the application process by logging in and answering questions here, or you can apply by calling 1-855-805-4325. If you are not eligible for full HUSKY benefits, we will check to see if you are eligible for COVID- 19 testing coverage. After you apply, the system may say that you are ineligible for HUSKY, but you will still be evaluated for COVID-19 testing. You will get a notice from the Department of Social Services telling you about your COVID-19 testing coverage in a few days. You may be eligible for the limited COVID-19 testing coverage if 1. You have no other health insurance and you are a US citizen, or you are a non-citizen with a qualifying immigration status. Non-citizens with qualifying immigration statuses include but are not limited to legal permanent residents green card holders who have been in the US for at least 5 years, refugees, and asylees. For more information about immigration statuses, click here. OR 2. You do not have a qualifying immigration status and meet Medicaid income requirements for your household size. We will automatically evaluate your eligibility for coverage as part of the application process. If you have any questions you can call 1-855-805-4325. Click here to start the application process.
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HUSKY Health is Connecticuts public health insurance program. HUSKY Health is also known as Medicaid or the Childrens Health Insurance Program CHIP. HUSKY Health is administered by the Department of Social Services in partnership with Access Health CT, our states health insurance marketplace. Important HUSKY Health offers limited coverage that will pay for COVID-19 coronavirus testing and a visit with your doctor or medical provider to decide if you need to be tested for COVID-19. This limited coverage is available to most Connecticut residents without health insurance, regardless of your immigration status, and covers COVID-19 testing, treatment, and vaccinations. This limited COVID 19 coverage is in effect for the duration of the federal Public Health Emergency PHE. To see if you can get COVID-19 testing limited coverage, you will need to apply for full HUSKY benefits. If you are eligible for full HUSKY benefits, it will include coverage for COVID-19 testing and treatment. You can begin the application process by logging in and answering questions here, or you can apply by calling 1-855-805-4325. If you are not eligible for full HUSKY benefits,
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Im no longer eligible for Medicaid or CHIP. What are my options? Written by Yessenia Milan Last published at August 29, 2024 If your eligibility has changed and you are no longer eligible for MedicaidHUSKY Health coverage, you may qualify for a private insurance plan also called a Qualified Health Plan, or QHP with an insurance company through AHCT. You may qualify for financial help with paying for a QHP. If you were previously enrolled in MedicaidHUSKY Health coverage and need to renew your coverage, you may still be eligible for Medicaid. You can re-enroll in a QHP, Medicaid, or CHIP through Access Health CT - online or over the phone at 1-855-805-4325.
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If your eligibility has changed and you are no longer eligible for MedicaidHUSKY Health coverage, you may qualify for a private insurance plan also called a Qualified Health Plan, or QHP with an insurance company through AHCT. You may qualify for financial help with paying for a QHP. If you were previously enrolled in MedicaidHUSKY Health coverage and need to renew your coverage, you may still be eligible for Medicaid. You can re-enroll in a QHP, Medicaid, or CHIP through Access Health CT - online or over the phone at 1-855-805-4325.
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If I have an out-of-state doctor, will I still have coverage? Written by Yessenia Milan Last published at February 14, 2023 You may be able to keep all of your current physicians, but keep in mind that some doctors outside of our state may be out-of-network. While you can still see them, your insurance provider may not cover as much or any of the cost of an out-of-network non-emergency visit. It is important that you contact the insurance company to ask them about their network outside of Connecticut and make sure that you know if your specific doctor is in-network or not. Before you enroll, you should check the Provider Directory of the insurance company of your choice. Lists of in-network providers are available through the insurance companys website and will also tell you whether the provider is accepting new patients. You will also see a link to search for doctors while you shop and compare plans at AccessHealthCT.com.
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You may be able to keep all of your current physicians, but keep in mind that some doctors outside of our state may be out-of-network. While you can still see them, your insurance provider may not cover as much or any of the cost of an out-of-network non-emergency visit. It is important that you contact the insurance company to ask them about their network outside of Connecticut and make sure that you know if your specific doctor is in-network or not. Before you enroll, you should check the Provider Directory of the insurance company of your choice. Lists of in-network providers are available through the insurance companys website and will also tell you whether the provider is accepting new patients. You will also see a link to search for doctors while you shop and compare plans at AccessHealthCT.com.
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Important- Did You Receive a Health Care Coverage Renewal Decision Notice In October? Written by Yessenia Milan Last published at October 28, 2021 If you received a notice with subject line of Health Care Coverage Renewal Decision Notice, please be aware that Access Health CT may have sent you incorrect information about your HUSKY Health coverage. What happened? There was a system error that generated a letter to customers, stating that their HUSKY health coverage would be terminated on October 31, 2021. The letter has the subject line Health Care Coverage Renewal Decision Notice, and it is dated either October 18, 2021, or October 19, 2021. What are we doing to fix the problem? Access Health CT is working to fix the error. We are currently sending impacted customers a letter to let them know if they were impacted. These customers will have their HUSKY health coverage redetermined correctly by October 31, 2021. They will then be able to review their corrected notice electronically in their account My Inbox and by mail if they are subscribed to paper communications. If customers have updated their application and successfully renewed their HUSKY Health MedicaidCHIP coverage through the Access Health CT website or our call center, then no further action is needed. We apologize for the inconvenience.
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If you received a notice with subject line of Health Care Coverage Renewal Decision Notice, please be aware that Access Health CT may have sent you incorrect information about your HUSKY Health coverage. What happened? There was a system error that generated a letter to customers, stating that their HUSKY health coverage would be terminated on October 31, 2021. The letter has the subject line Health Care Coverage Renewal Decision Notice, and it is dated either October 18, 2021, or October 19, 2021. What are we doing to fix the problem? Access Health CT is working to fix the error. We are currently sending impacted customers a letter to let them know if they were impacted. These customers will have their HUSKY health coverage redetermined correctly by October 31, 2021. They will then be able to review their corrected notice electronically in their account My Inbox and by mail if they are subscribed to paper communications. If customers have updated their application and successfully renewed their HUSKY Health MedicaidCHIP coverage through the Access Health CT website or our call center, then no further action is needed. We apologize for the inconvenience.
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Income Used on Application Written by Yessenia Milan Last published at February 19, 2025 When you apply for healthcare coverage through Access Health CT, we will ask about your household income more specifically, your Modified Adjusted Gross Income MAGI. We need this information to complete your application, and to see if you qualify for programs like Medicaid HUSKY HealthChildrens Health Insurance Program or for financial help in the form of tax credits or cost-sharing reductions for a Qualified Health Plan QHP. Your Current Monthly Income vs. Yearly MAGI Income When you apply for healthcare coverage through Access Health CT, we may ask you to provide your current monthly and yearly income. Current months income is used to determine eligibility for Medicaid known as Husky A and Husky D and the Childrens Health Insurance Program known as CHIP or HUSKY B. Yearly income is used to determine eligibility for financial help Premium Tax Credits and Cost-Sharing Reductions for a Qualified Health Plan. This means that many people applying through Access Health CT during the Open Enrollment Period will need to estimate their household income for the following calendar year. Some people will find it difficult to estimate future income, especially those who are self- employed or work seasonally. If you need help estimating your income for the year, seek advice from a Tax Accountant or Tax Advisor. How to Determine Your Modified Adjusted Gross Income MAGI MAGI may be similar to your adjusted gross income AGI, however, it includes untaxed foreign income, non-taxable Social Security benefits, and tax-exempt interest. MAGI does not include Supplemental Security Income SSI. MAGI does not appear as a line on your tax return. Income is counted for you, your spouse, and everyone youll claim as a tax dependent on your federal tax return, even if you or any of your tax dependents dont need health coverage. Please visit the Internal Revenue Service IRS website for more information about income, qualified deductions, and Affordable Care Act ACA Tax Provisions. Changes to Household MAGI Income During the Year Make sure to report changes to your household information within 30 days. Why? If you are receiving financial help to pay for your plan Premium Tax Credits and Cost-Sharing Reductions, changes in household income or home address could change the amount of financial help you receive. If you fail to report changes within 30 days, it could cause you to owe money to the IRS when you file your taxes for the year. More Information Learn More about Enrolling Through Access Health CT IRS information about Income and Qualified Deductions After You Apply Providing Proof of Income Learn More about Financial Help
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When you apply for healthcare coverage through Access Health CT, we will ask about your household income more specifically, your Modified Adjusted Gross Income MAGI. We need this information to complete your application, and to see if you qualify for programs like Medicaid HUSKY HealthChildrens Health Insurance Program or for financial help in the form of tax credits or cost-sharing reductions for a Qualified Health Plan QHP. Your Current Monthly Income vs. Yearly MAGI Income When you apply for healthcare coverage through Access Health CT, we may ask you to provide your current monthly and yearly income. Current months income is used to determine eligibility for Medicaid known as Husky A and Husky D and the Childrens Health Insurance Program known as CHIP or HUSKY B. Yearly income is used to determine eligibility for financial help Premium Tax Credits and Cost-Sharing Reductions for a Qualified Health Plan QHP. If you need help estimating your income for the year, seek advice from a Tax Accountant or Tax Advisor. How to Determine Your Modified Adjusted Gross Income MAGI MAGI may be similar to your adjusted gross income AGI, however, it includes
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Language Translation Assistance and TTY Written by Yessenia Milan Last published at January 08, 2025 How may I get assistance with language translation or TTY? If you require assistance in another language, we have translators trained in over 200 languages that are here to help. Please contact the Access Health CT call center at 1-855-805- 4325. If you are deaf or hearing impaired, you may use the TTY at 1-855-789-2428 or contact us at 1- 855-805-4325 with a relay operator. Download a copy of our Enrollment Checklist here, available in multiple languages English Spanish Haitian Creole Polish
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Language Translation Assistance and TTY Written by Yessenia Milan Last published at January 08, 2025 How may I get assistance with language translation or TTY? If you require assistance in another language, we have translators trained in over 200 languages that are here to help. Please contact the Access Health CT call center at 1-855-805- 4325. If you are deaf or hearing impaired, you may use the TTY at 1-855-789-2428 or contact us at 1- 855-805-4325 with a relay operator. Download a copy of our Enrollment Checklist here, available in multiple languages English Spanish Haitian Creole Polish
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Medicare Written by Yessenia Milan Last published at November 01, 2024 Your eligibility for Medicare can affect your eligibility for other programs or financial help. If you have a question about your eligibility for health andor dental coverage, please call Access Health CT at 1-855-805-4325. What is Medicare? Medicare is a federal health insurance program for people who are age 65 and over and for certain people under 65 with illnesses or disabilities. Medicare offers broad coverage Part A is insurance for hospitalization, home or skilled nursing, and hospice Part B is medical insurance Part C Medicare Advantage Plans is a private insurance option for covering hospital and medical costs and Part D covers prescription medications. Part C can supplement Parts A, B, and sometimes D. If you are currently eligible or enrolled in Medicare, you cannot enroll in a Qualified Health Plan through Access Health CT. Qualified Health Plans are not supplemental Medicare plans. If you become Medicare-eligible during the plan year, you may choose to stay enrolled in your Qualified Health Plan, but you are no longer eligible for financial help Advance Premium Tax Credits APTCs or Cost-Sharing Reductions to lower your costs, and may notice an increase in your monthly premium payments. When you become eligible for Medicare, you must contact Access Health CT to update your application so that you do not continue to receive APTCs you are no longer eligible to receive. We want to help you avoid any issues when you file your next federal income tax return, as you may be required to pay back any APTCs that you received after you became eligible for Medicare. You can cancel your Qualified Health Plan through Access Health CT at any time. Can I enroll in a health plan through Access Health CT if I am eligible or currently enrolled in Medicare? No, if you are currently eligible or enrolled in Medicare, you cannot enroll in a Qualified Health Plan. Qualified Health Plans are not supplemental Medicare plans. However, if you are enrolled in a Qualified Health Plan and become eligible for Medicare during the plan year, you may choose to stay enrolled in your Qualified Health Plan, but you will no longer be eligible for APTCs or Cost-Sharing Reductions i.e., you would not be eligible for any financial help towards the cost of your Qualified Health Plan. Can I enroll in a dental plan through Access Health CT if I am eligible for or currently enrolled in Medicare? Yes, you can enroll in a Stand-Alone Dental Plan even if you are eligible for Medicare. Do I need to end my Qualified Health Plan QHP when enrolling in Medicare? Yes, you need to cancel your QHP through Access Health CT. Will Access Health CT send me a notice to remind me about this coverage transition? Yes, Access Health CT will send you a notice two 2 months before your 65th birthday as a courtesy. This notice is not an eligibility determination but informs you that you may become eligible for Medicare and that you need to take action. Access Health CT does not send this reminder if you become eligible for Medicare before your 65th birthday for example, at age 63. Access Health CT also periodically checks consumers eligibility for Medicare and will send those consumers enrolled in a Qualified Health Plan a notice that they are no longer eligible for financial help. How can I find out if I am eligible for Medicare? You can find more information about your Medicare eligibility here Medicare.govEligibilityPremiumCalc For assistance with Medicare enrollment decisions, contact the CHOICES Program 1- 800-994-9422
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If you are currently eligible or enrolled in Medicare, you cannot enroll in a Qualified Health Plan through Access Health CT. Qualified Health Plans are not supplemental Medicare plans. However, if you are enrolled in a Qualified Health Plan and become eligible for Medicare during the plan year, you may choose to stay enrolled in your Qualified Health Plan, but you are no longer eligible for financial help Advance Premium Tax Credits APTCs or Cost-Sharing Reductions to lower your costs, and may notice an increase in your monthly premium payments. When you become eligible for Medicare, you must contact Access Health CT to update your application so that you do not continue to receive APTCs you are no longer eligible to receive. You can cancel your Qualified Health Plan through Access Health CT at any time.
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Mental Health and Behavioral Health Services Written by Yessenia Milan Last published at October 17, 2023 Will my mental and behavioral health services programs and services be covered by plans offered through Access Health CT? Yes, to find out which specific mental and behavioral health programs and services are covered, please see your plans Summary of Benefits and Costs. Qualified Health Plans are required to cover some mental and behavioral health services under the Affordable Care Acts Essential Health Benefits EHBs requirements. All plans are required to meet federal and state Mental Health Parity laws. Mental and behavioral health services are essential health benefits and all plans must cover Behavioral health treatment, such as psychotherapy and counseling Mental and behavioral health inpatient services Substance use disorder commonly known as substance abuse treatment Pre-existing mental and behavioral health conditions are covered and spending limits are not allowed. Plans sold through Access Health CT cant deny you coverage or charge you more just because you have any pre-existing condition, including mental health and substance use disorder conditions. Coverage for treatment of all pre-existing conditions begins the day your coverage starts. Marketplace plans cant put yearly or lifetime dollar limits on coverage of any essential health benefit, including mental health and substance use disorder services.
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Mental health and behavioral health services are essential health benefits and all plans must cover Behavioral health treatment, such as psychotherapy and counseling Mental and behavioral health inpatient services Substance use disorder commonly known as substance abuse treatment Pre-existing mental and behavioral health conditions are covered and spending limits are not allowed. Plans sold through Access Health CT cant deny you coverage or charge you more just because you have any pre-existing condition, including mental health and substance use disorder conditions. Coverage for treatment of all pre-existing conditions begins the day your coverage starts. Marketplace plans cant put yearly or lifetime dollar limits on coverage of any essential health benefit, including mental health and substance use disorder services.
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More information about AHCT Small Business Written by Yessenia Milan Last published at February 14, 2023 Whether youre a small business owner, current member or broker, we can help you find the information you need. If you are a Broker or a Small Business looking for a quote, contact us at shop.ahctct.gov To get a free online quote or learn more about our Small Business coverage, visit AccessHealthCTSmallBiz.com or call us at 1-855-762-4928.
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Whether youre a small business owner, current member or broker, we can help you find the information you need.
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Nationwide public health emergency HUSKY benefit extension Written by Yessenia Milan Last published at April 19, 2024 A nationwide public health emergency is in effect. On March 18, 2020, the Families First Coronavirus Response Act was signed into law. One of the benefits of this law is it allowed the State of Connecticut to extend Medicaid and CHIP HUSKY Health coverage in response to the coronavirus pandemic. As a result, individuals who were enrolled in HUSKY Health may have their benefits extended for the duration of the public health emergency - except under the following circumstances Relocation outside of CT Verified ineligible immigration status Voluntary Disenrollment Death Exceeding age limit for HUSKY B CHIP IMPORTANT Although your account may show a future coverage end date, your extended HUSKY Health coverage is only guaranteed while the public health emergency remains in effect. How can I confirm my coverage is active? HUSKY Members can confirm that their coverage is active by using MyDSS to access information about their benefits online at HUSKY A, B, and D recipients can also use their Access Health account at or by calling Access Health at 1-855-805-4325. All HUSKY Members also have the option to call the DSS Benefit Center and use the Interactive Voice Response system IVR at 1-855-626-6632 to check the status of their benefits without waiting to speak to a Benefit Center agent. How can I confirm the end date for my coverage? While there is no official end date of the PHE coverage extension at this time, HUSKY members are encouraged to make sure their contact information is up to date in order to receive important communications regarding their benefits. HUSKY A, B, and D members can confirm and update their current address by visiting HUSKY C members can confirm and update their current address by visiting
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A nationwide public health emergency is in effect. On March 18, 2020, the Families First Coronavirus Response Act was signed into law. One of the benefits of this law is it allowed the State of Connecticut to extend Medicaid and CHIP HUSKY Health coverage in response to the coronavirus pandemic. As a result, individuals who were enrolled in HUSKY Health may have their benefits extended for the duration of the public health emergency - except under the following circumstances Relocation outside of CT Verified ineligible immigration status Voluntary Disenrollment Death Exceeding age limit for HUSKY B CHIP IMPORTANT Although your account may show a future coverage end date, your extended HUSKY Health coverage is only guaranteed while the public health emergency remains in effect. How can I confirm my coverage is active? HUSKY Members can confirm that their coverage is active by using MyDSS to access information about their benefits online at HUSKY A, B, and D recipients can also use their Access Health account at or by calling Access Health at 1-855-805-4325. All HUSKY Members also have the option to call the DSS Benefit Center
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New Special Enrollment Period for Residents with Lower Income Written by Kecia Stauffer Last published at December 02, 2024 There is a Special Enrollment Period for Residents with Lower Income, allowing some residents to sign up for health coverage through Access Health CT outside of the Open Enrollment Period. If your household income is at or below 150 of the Federal Poverty Level see chart below you can use this opportunity to enroll through Access Health CT. Right now, you must call us to enroll. The Inflation Reduction Act IRA has made more financial help available through Access Health CT for residents at virtually every income level, and this new Special Enrollment Period gives residents with lower incomes another chance to access these additional savings on monthly bills. Financial help is available that can reduce the monthly cost of health insurance to nearly 0. Who can use this Special Enrollment Period to enroll? You must have a household income at or below 150 of the Federal Poverty Level FPL and be eligible to enroll in a Qualified Health Plan with Premium Tax Credits more details. Use the table below to see if you may qualify. Remember, when you estimate your household income you should count income for everyone in your tax household, even if they are not enrolling health coverage. Income Guidelines for 2025 Coverage For applications submitted on or after December 1, 2024 Household Size 1 2 3 4 5 6 7 8 150 FPL 22,590 30,660 38,730 46,800 54,870 62,940 71,010 79,080 What other opportunities do you have to enroll through Access Health CT? You may not need this new Special Enrollment Period to enroll right now. You may be able to enroll at any time through Access Health CT if you Are an American Indian or Alaska Native Qualify for HUSKY Health MedicaidCHIP Qualify for the Covered CT Program Have a life changing event - like losing health coverage through your job, getting married, having a baby or moving to Connecticut - that qualifies you for a regular Special Enrollment Period How to Enroll We are currently working to update our website, so for now you must call us to enroll through this new Special Enrollment Period. You can speak with one of our Enrollment Specialists who will see if you qualify and help you enroll. There are even Certified Brokers available if you need help picking a plan! Call 1-855-805-4325 Holiday hours may vary, check website for details If you are deaf or hearing impaired, you may use the TTY at 1-855-789-2428 or contact us at 1-855-805-4325 with a relay operator Questions Answers 1. If I am already a customer of Access Health CT, can I use this as an opportunity to make changes to my plan selection? No, you cannot change your health plan selection based on this new Special Enrollment Period for Residents with Lower Income. 2. When would my coverage begin? Coverage starts on the first of the month following enrollment. For example, you can enroll up until April 30, 2024 and have coverage starting May 1, 2024. 3. After I enroll, when will I receive my first bill and ID card? Confirmation Letter from Access Health CT and your insurance company about 3 days after enrolling First Bill from your insurance company about 3 7 days after enrolling ID card from your insurance company about 7 10 days after you pay your first bill 4. Can someone enroll through Access Health CT if they are not lawfully present? Probably not. There are some programs available in the state of Connecticut, but you will not be able to enroll in a Qualified Health Plan through Access Health CT if you are not lawfully present. Please review the general requirements below for enrollment, and if you need additional resources please contact 211. HUSKY Health MedicaidChildrens Health Insurance Program Must be a Connecticut resident and i a citizen or U.S. national ii legal resident or iii lawfully present for at least five 5 years. If you are lawfully present, the five 5 year requirement may be waived in certain circumstances, like for a child or refugeeasylee. As of April 1, 2022 there is a New Husky B Program for Prenatal Care and Extended Postpartum Coverage, learn more here. Qualified Health Plans and the Covered CT Program Must be a non-incarcerated other than pending final disposition of charges Connecticut resident and a citizen or U.S. national or a non-citizen who is lawfully present in the United States. Your eligibility for or enrollment in Medicare, VA benefits, or Tricare, may impact your ability to enroll in a QHP. 5. Do I need to verify my information in order to enroll through this new Special Enrollment Period? When you apply for health coverage through Access Health CT, you may be asked to provide additional information to verify what you included in your application. If we need any of these verification documents, you will be notified during the application OR by letter from Access Health CT after you submit your application. 6. When does this opportunity end? This Special Enrollment Perio
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There is a Special Enrollment Period for Residents with Lower Income, allowing some residents to sign up for health coverage through Access Health CT outside of the Open Enrollment Period. If your household income is at or below 150 of the Federal Poverty Level see chart below you can use this opportunity to enroll through Access Health CT. Right now, you must call us to enroll. The Inflation Reduction Act IRA has made more financial help available through Access Health CT for residents at virtually every income level, and this new Special Enrollment Period gives residents with lower incomes another chance to access these additional savings on monthly bills. Financial help is available that can reduce the monthly cost of health insurance to nearly 0.
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Notice of Non-Discrimination Written by Yessenia Milan Last published at October 24, 2024 Access Health CT complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin including limited English proficiency and primary language, age, disability, or sex consistent with the scope of sex discrimination described at 45 C.F.R. 92.101 a2. Access Health CT does not exclude people or treat them differently because of race, color, national origin including limited English proficiency and primary language, age, disability, or sex consistent with the scope of sex discrimination described at 45 C.F.R. 92.101 a2. Access Health CT Provides reasonable modifications and free appropriate auxiliary aids and services to people with disabilities to communicate effectively with us, such as Qualified sign language interpreters Written information in other formats such as braille, large print, audio, accessible electronic formats, and other formats Provides free language services to people whose primary language is not English, such as Qualified interpreters Information written in other languages If you need reasonable modifications, appropriate auxiliary aids and services,or language assistance services, contact Access Health CT at 1-855-805-4325 if you are deaf or hearing impaired, you may use the TTY at 1-855-789-8424 or contact us at 1-855-805-4325 with a relay operator. If you believe that Access Health CT has failed to provide these services or discriminated in another way on the basis of race, color, national origin including limited English proficiency and primary language, age, disability, or sex consistent with the scope of sex discrimination described at 45 C.F.R. 92.101 a2, you can file a grievance with Access Health CT 280 Trumbull Street, 15th floor Hartford, CT 06103 Attention Section 1557 Coordinator Phone 860 757-5355 Fax 860 757-5330 Email AHCT.Nondiscriminationgrievancect.gov. You can file a grievance in person or by phone, mail, fax, or email. If you need help filing a grievance, the Section 1557 Coordinator is available to help you. Access Health CTs grievance procedure is available at You can also file a civil rights complaint with the U.S. Department of Health and Human Services, Office for Civil Rights electronically through the Office for Civil Rights Complaint Portal, available at or by mail or phone at U.S. Department of Health and Human Services 200 Independence Avenue SW Room 509F HHH Building Washington, DC 20201 1-800-368-1019, 800-537-7697 TDD Complaint forms are available at This notice is available at Access Health CTs website discrimination-notice.
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Access Health CT complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin including limited English proficiency and primary language, age, disability, or sex consistent with the scope of sex discrimination described at 45 C.F.R. 92.101 a2. Access Health CT does not exclude people or treat them differently because of race, color, national origin including limited English proficiency and primary language, age, disability, or sex consistent with the scope of sex discrimination described at 45 C.F.R. 92.101 a2. Access Health CT Provides reasonable modifications and free appropriate auxiliary aids and services to people with disabilities to communicate effectively with us, such as Qualified sign language interpreters Written information in other formats such as braille, large print, audio, accessible electronic formats, and other formats Provides free language services to people whose primary language is not English, such as Qualified interpreters Information written in other languages If you need reasonable modifications, appropriate auxiliary aids and services, or language assistance services, contact Access Health CT at 1-855-805-4325 if you are deaf or hearing impaired,
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Online Account Access Written by Yessenia Milan Last published at January 08, 2025 Online Account with Access Health CT Having an online account can make managing your application easier. We encourage you to set up an online account when you apply through Access Health CT, and we are here to help you link your current application with your new online account. Key Account Information You will need to know the following information in order to set up andor access your online account. User ID The User ID is a unique identifier that you create and use to sign in to your account. Important The User ID cannot match one currently in use. The User ID must be between 5 and 15 characters made up of letters andor numbers. Password Your password must be 9 to 15 characters with at least one number, one uppercase letter, one lowercase letter, and one special character i.e.! , . For security reasons, you may be prompted to change your password when signing into your account throughout the year. Email Address When you set up an online account, you will need to provide an email address. If you ever need to retrieve your User ID or Password, you will need access to this email address. Security Questions Please select 4 different questions and answers. You will be asked these questions if you forget your login information. Application ID Previous Applicants Only The Application ID number is on the Eligibility Determination notice that we mailed to you after you applied. You will need this ID number to link your existing application to your online account. Creating an Online Account 1. Create an Account at AccessHealthCT.com 2. Enter your First Name and Last Name exactly as they appear on your legal documentation such as state-issued ID, license, Social Security Card, or Green Card 3. Provide your Email Address. Make sure you have access to this email account you will receive important messages related to your Access Health CT online account. 4. Create a Password. Your password must be 9 to 15 characters with at least one number, one uppercase letter, one lowercase letter, and one special character i.e.!, , . 5. Complete the Security Questions. Please select 4 different questions and answers. You will be asked these questions if you forget your login information. 6. Security Image. You must check the box to proceed and complete the reCAPTCHA security verification. 7. User Acceptance Agreement. You must check the box to proceed. Click here to view the agreement. 8. Click Create Account. Linking Online Account with Existing Application Follow these steps to link your online account with a current application. Make sure you use your most recent application. 1. Sign in and click on Link an Existing Application. 2. Enter the following information. This must match what is included in your application and in the Eligibility Determination Notice that we mailed to you a. First Name and Last Name b. Date of Birth c. City d. State e. Zip Code f. Your Application ID number The Application ID number is on the Eligibility Determination notice that we mailed to you. 3. Click Submit. 4. Review your information. After you add the application to your account, you will see the status of your plan and have the option to report changes, renew coverage, upload documents, and view notices in your inbox. If you require assistance with adding the application to your account or have questions, please call 1-855-805-4325 TTY 1-855-789-2428. Make sure you have your Application ID and household information ready! Signing into Your Online Account Sign In Here. You will need your User ID and Password to access your account. If you lost or forgot your information, you can take steps to regain access to your account. Account Inactivity Required Password Resets 1. We established security standards for our website that require you to change your password periodically throughout the year or when you do not access your account regularly. This is in place to help protect your personal information. 2. When you Sign In to your account after a long period of time, you may be asked to change your password. 3. Enter your User ID and Password correctly, and you will be prompted on the next screen to enter your Old Password the one you just used to sign in and to establish a New Password. Remember, your password must be 9 to 15 characters with at least one number, one uppercase letter, one lowercase letter, and one special character i.e.!, , . 4. Click Submit, and you should have access to your account again! Forgot User ID The User ID is a unique identifier that you create and use to sign into your account. To retrieve your User ID, you will need the email address associated with your account. 1. Visit AccessHealthCT.com, click Sign In and then click Forgot Your User ID or Password? 2. Enter your Email Address. We will send you an email with your User ID. The email message has the subject line Account Information from Connecticut Health Insurance Exchange from the sende
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Having an online account can make managing your application easier. We encourage you to set up an online account when you apply through Access Health CT, and we are here to help you link your current application with your new online account. Key Account Information You will need to know the information in order to set up andor access your online account. User ID The User ID is a unique identifier that you create and use to sign in to your account. Important The User ID cannot match one currently in use. The User ID must be between 5 and 15 characters made up of letters andor numbers. Password Your password must be 9 to 15 characters with at least one number, one uppercase letter, one lowercase letter, and one special character i.e.!, , . For security reasons, you may be prompted to change your password when signing into your account throughout the year. Account Inactivity Required Password Resets 1. We established security standards for our website that require you to change your password periodically throughout the year or when you do not access your account regularly. This is in place to help protect your personal information. 2. When you Sign In to your account after a long period of time, you may be asked to change your
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Open Enrollment Dates and Hours of Operation Written by Yessenia Milan Last published at January 16, 2025 The Open Enrollment Period for 2026 health and dental insurance coverage begins November 1, 2025. You can enroll anytime if you Are an American Indian or Alaska Native Qualify for HUSKYMedicaid Qualify for a Special Enrollment Period Qualify for the Covered CT Program We Are Here to Help For General Questions Application Help Call us at 1-855-805-4325 TTY at 1-855- 789-2428 Live Chat available at AccessHealthCT.com Visit one of our Enrollment Locations Find a Broker or CAC near you Call Center Hours Monday to Friday, 800 am to 400 pm Holiday hours may vary, check website for details
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The Open Enrollment Period for 2026 health and dental insurance coverage begins November 1, 2025. You can enroll anytime if you Are an American Indian or Alaska Native Qualify for HUSKYMedicaid Qualify for a Special Enrollment Period Qualify for the Covered CT Program We Are Here to Help For General Questions Application Help Call us at 1-855-805-4325 TTY at 1-855- 789-2428 Live Chat available at AccessHealthCT.com Visit one of our Enrollment Locations Find a Broker or CAC near you Call Center Hours Monday to Friday, 800 am to 400 pm Holiday hours may vary, check website for details.
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Other Programs Written by Yessenia Milan Last published at December 26, 2024 If you are looking for Medicaid HUSKY C, Medicaid for Employees with Disabilities MED- Connect, the Supplemental Nutrition Assistance Program SNAPfood stamps, andor cash assistance, please contact the Connecticut Department of Social Services. Access Health CT cannot help you enroll in these programs. To enroll visit the Connecticut Department of Social Services website or call them directly at 1-855-626-6632 For customer support please visit the HUSKY Health Members Page.
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If you are looking for Medicaid HUSKY C, Medicaid for Employees with Disabilities MED- Connect, the Supplemental Nutrition Assistance Program SNAPfood stamps, andor cash assistance, please contact the Connecticut Department of Social Services. Access Health CT cannot help you enroll in these programs. To enroll visit the Connecticut Department of Social Services website or call them directly at 1-855-626-6632 For customer support please visit the HUSKY Health Members Page.
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Paperless Notifications Written by Kecia Stauffer Last published at August 22, 2024 Follow these steps to update your contact information and opt in to paperless notifications. When you go paperless, you will receive notifications in your online account inbox instead of by mail. We will alert you about new notifications in your account inbox at the email address linked to your account.
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If you dont want to receive paperless notifications, you can opt out of receiving them by following these steps Go to https
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Pre-Existing Condition Written by Yessenia Milan Last published at December 22, 2023 Yes. Coverage for those with pre-existing health conditions was one of the big changes made possible by the Federal Governments Affordable Care Act. As of 2014, you cannot be denied coverage or charged more for medical coverage just because you have a pre-existing health condition.
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Yes. Coverage for those with pre-existing health conditions was one of the big changes made possible by the Federal Governments Affordable Care Act. As of 2014, you cannot be denied coverage or charged more for medical coverage just because you have a pre-existing health condition.
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Premium and Monthly Bills Written by Yessenia Milan Last published at October 31, 2024 Premium amounts Your premium an amount thats paid for an insurance policy is based on 1. Your age at the start of the policy 2. The area county in which you live You pay your monthly premium directly to your insurance company, not Access Health CT. How is my monthly bill calculated? Your premium amount minus any financial help if you qualify. In addition to your premium, you usually have to pay out-of-pocket costs to receive care, including deductibles, copayments, and coinsurance. The amount you pay each month for your health insurance premium, and the costs you pay out of pocket for receiving care, will vary depending on the plan you have. When you shop and compare plans through Access Health CT, you can use our metal levels Bronze, Silver and Gold to help show differences in costs between plans. Changes to your household information can sometimes impact your financial help, which can impact your monthly bill. Some related topics Questions about my bill Financial Help and LowNo-Cost Programs Why has my financial help changed?
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Your monthly bill is calculated based on your monthly premium.
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Premium Tax Credit and Filing Separately Written by Yessenia Milan Last published at February 14, 2023 No. Married couples who file their taxes separately are not eligible to receive financial help or Advanced Premium Tax Credits known as APTCs with a qualified health plan. Note There are limited exceptions for those filing separately, such as exceptions for victims of domestic abuse or spousal abandonment.
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Married couples who file their taxes separately are not eligible to receive financial help or Advanced Premium Tax Credits known as APTCs with a qualified health plan. Note There are limited exceptions for those filing separately, such as exceptions for victims of domestic abuse or spousal abandonment.
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Premium Tax Credits and Filing Written by Yessenia Milan Last published at March 29, 2024 If you dont report financial help you received to the IRS, you will not be eligible for advance payments of the premium tax credit to help pay for your coverage in the future. Make sure you complete your annual federal income tax filing before renewing your coverage. Youre required to reconcile the amount of the financial help or Advance Premium Tax Credit on your tax return using IRS Form 8962. Use the information from Form 1095-A to file Form 8962 to help the IRS complete the reconciliation.
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If you receive financial help from your employer, you must report it to the IRS. If you receive financial help from your employer, you must reconcile the amount of the financial help or Advance Premium Tax Credit on your tax return using IRS Form 8962.
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Prescription Drug Coverage Written by Yessenia Milan Last published at October 17, 2023 Do plans Qualified Health Plans offered through Access Health CT cover prescription drugs? Yes, but... Plans Qualified Health Plans offered through Access Health CT cover prescription drugs, but coverage can vary by plan. To know which drugs are covered, or what costs are associated with your plans drug coverage 1. Look at your Plan Details online or 2. Contact your insurance company
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If you are enrolled in a Qualified Health Plan QHP through Access Health CT, you may be eligible for prescription drug coverage. If you are not enrolled in a QHP, you may not be eligible for prescription drug coverage. If you are not enrolled in a QHP, you may not be eligible for prescription drug coverage.
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Primary Applicant and Authorized Representative on the Application Written by Yessenia Milan Last published at August 29, 2024 In order to change or receive information about an Access Health CT account or application, you must be the primary applicant or authorized representative on the application. If you are not a primary applicant or are not an authorized representative, Access Health CT cannot release information or make changes to your Access Health CT account. It is important to understand that the reason for this is to protect your private information. If you are the primary applicant, you may choose a person as the authorized representative on your Access Health CT application. You may do this online or by contacting our call center at 855 805-4325. The authorized representative may share and receive information on behalf of the person who is named as the primary applicant on the Access Health CT application. Note Adding a Certified Application Counselor CAC or Certified Broker as an authorized representative on your applications is not recommended for privacy reasons. How to add an Authorized Representative on your online account 1. Sign in at AccessHealthCT.com 2. Click on Edit My Settings 3. Click on Add Authorized Representative
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In order to change or receive information about an Access Health CT account or application, you must be the primary applicant or authorized representative on the application. If you are not a primary applicant or are not an authorized representative, Access Health CT cannot release information or make changes to your Access Health CT account. It is important to understand that the reason for this is to protect your private information. If you are the primary applicant, you may choose a person as the authorized representative on your Access Health CT application. You may do this online or by contacting our call center at 855 805-4325. The authorized representative may share and receive information on behalf of the person who is named as the primary applicant on the Access Health CT application. Note Adding a Certified Application Counselor CAC or Certified Broker as an authorized representative on your applications is not recommended for privacy reasons.
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Privacy Policy Written by Yessenia Milan Last published at April 30, 2024 Access Health CT Privacy Policy Access Health CT is the health insurance marketplace developed by the State of Connecticut to satisfy the requirements of the federal Patient Protection and Affordable Care Act the ACA. This Privacy Policy describes our policies and procedures regarding our collection, use and disclosure of the personal information that we receive through use of our website found at accesshealthct.com and ct.govhix the Website and in our outreach to, communications with, and offering of programs and services to plan enrollees, applicants, and others the Activities. Our collection, use and disclosure of personal information are regulated by applicable federal and state law, including, without limitation, the regulations created by the federal Department of Health and Human Services under the ACA. This Privacy Policy, and our use, disclosure, and safeguarding of the information we collect, are also subject to our Terms of Use. How We Collect Information Information You Choose to Share We collect personal information that you voluntarily provide to us. For example, when you register on the Website for a User ID and password, we request that you provide your name and email address. If you use our Website to learn more about or enroll in one of our available plans or programs, we may request additional information from you, including additional contact information such as your address and phone number, demographic information such as your age, gender and annual income, your Social Security number or other government-issued ID number, information regarding your employer, and similar information about the members of your family. We may also collect similar personal information from you in person through one of our Enrollment Specialists navigators, certified application counselors, or brokers, or at one of our in-person enrollment locations or through our call center. We also collect information you choose to share with us via our Websites online chat function or when you fill out a web form or contact us via email. We may also collect information you provide to us when you request assistance from us, such as assistance locating a broker or Enrollment Specialist. How We Collect Information Automatically When you use our Website, we automatically collect certain technical and usage information. We collect such information in the following ways Information Your Browser Sends to Us When you visit our Website, the internet browser you are using may send certain information to us. Such information may include your Internet Protocol IP address, browser type, browser language, device information, and log information, such as the date and time you accessed our Website. Cookies Cookies are small text files stored on your computer by a website that assigns a numerical User ID and stores certain information about your online browsing. We use cookies on our Website to help us recognize you as a prior user. If you wish, you can adjust your web browsers privacy settings to delete cookies upon exiting exiting websites or when you close your browser. You may also configure your browser to block cookies however, doing so may negatively impact your user experience. How We Use and Disclose the Information We Collect We may use and disclose the information we collect for the following purposes To fulfill the purpose for which you provided the information to us, such as providing services to you and helping you determine your eligibility for participation in and enrolling in Qualified Health Plans and relevant health insurance affordability programs To fulfill the purpose for which we automatically collected the information, such as for the monitoring of the Website To operate, improve, and protect the security of the Website To support our internal operations, including the Activities To comply with applicable law and regulation To communicate with you, respond to your questions or requests, and make you aware of new products, services, or programs that you may qualify for To personalize content and experiences To operate, understand, optimize, develop, or improve our Activities, services, and operations, including by using survey research and analytics tools To better safeguard your personal information and to protect the integrity of the enrollment process and To detect, investigate, and prevent activities that may violate our policies, pose safety issues, or be fraudulent or illegal. We may share anonymous information in accordance with our practices. We will not share your personal information, including your mobile phone number, with another entity except in the following limited circumstances To employees and agents of Access Health CT with a need to know in the course of performing services on behalf of Access Health CT In order to verify and supplement the personal information we receive from you, we may disclose personal information you
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This Privacy Policy describes our policies and procedures regarding our collection, use and disclosure of the personal information that we receive through use of our website found at accesshealthct.com and ct.govhix the Website and in our outreach to, communications with, and offering of programs and services to plan enrollees, applicants, and others the Activities. Our collection, use and disclosure of personal information are regulated by applicable federal and state law, including, without limitation, the regulations created by the federal Department of Health and Human Services under the ACA. This Privacy Policy, and our use, disclosure, and safeguarding of the information we collect, are also subject to our Terms of Use. How We Collect Information Information You Choose to Share We collect personal information that you voluntarily provide to us. For example, when you register on the Website for a User ID and password, we request that you provide your name and email address. If you use our Website to learn more about or enroll in one of our available plans or programs, we may request additional information from you, including additional contact information such as your address and phone number, demographic information such as your age, gender and annual income, your Social Security number or other government-issued ID
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Qualified Health Plan Disclaimer for Advance Premium Tax Credit Written by Yessenia Milan Last published at February 01, 2021 Qualified Health Plan Disclaimer for Advance Premium Tax Credit 1.pdf Qualified Health Plan Disclaimer for Advance Premium Tax Credit The following disclaimer appears if you enroll in a Qualified Health Plan and select Advance Premium Tax Credit APTC. This disclaimer explains your tax filing responsibilities and any potential changes in premiums and APTC. Make sure you understand the details of this disclaimer, there could be significant impact to your financial help or federal income tax filing. When this disclaimer appears on screen in your actual application, the fields noted as YYYY below will display the corresponding tax year for your application. A screenshot of this disclaimer as it appears in the application is on Page 2. ____________________________________________________________________________ ____ Disclaimer Text I understand that because advance payments of the premium tax credit will be paid on my behalf to reduce the cost of health coverage for myself andor dependents I must file a federal income tax return in YYYY for the tax year If Im married at the end of YYYY, I must file a joint income tax return with my spouse. I also expect that No one else will be able to claim me as a dependent on their YYYY federal income tax return. Ill claim a personal exemption deduction on my YYYY federal income tax return for any individual listed on this application as a dependent who is enrolled in coverage through this Marketplace and whose premium for coverage is paid in whole or in part by advance payments. If any of the above changes, I understand that it may impact my ability to get an advance premium tax credit. I also understand that when I file my YYYY federal tax return, the Internal Revenue Service IRS will compare the amount of advance tax credit I used during YYYY with the amount of tax credit I am eligible to receive based on my actual annual income. If my actual annual income is higher than what I listed in my application, I may not be eligible for the tax credit I used in YYYY, and will have to pay some or all of it back to the IRS when I file my federal income tax return. If my actual annual income is lower than what I listed in my application, I may be eligible to get an additional tax credit amount back from the federal government. Potential Changes in Premiums and APTC amounts applied to the Qualified Health Plan QHP premium The maximum amount of the tax credit you may apply towards the QHP premium depends on the total monthly premium of the selected QHP. Please be aware that your monthly premium may change as members begin or end their coverage. Premiums are determined by the number of household members on the QHP each month. If all household members have the same QHP coverage effective date, the monthly premium may not change. However, if household members QHP coverage effective dates differ e.g., household member is added to the QHP one month after the rest of the household begins coverage, monthly premiums will reflect those changes. The APTC amount you select will be applied to the monthly premiums accordingly, and the APTC amount will not exceed the total monthly premium. If the maximum APTC value changes throughout the year, this may impact the amount of tax credit you are able to receive at the end of the year, and in some cases may require you to make additional payments. Please contact Access Health CT for additional details.
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Qualified Health Plan Disclaimer for Advance Premium Tax Credit The disclaimer appears if you enroll in a Qualified Health Plan and select Advance Premium Tax Credit APTC. This disclaimer explains your tax filing responsibilities and any potential changes in premiums and APTC. Make sure you understand the details of this disclaimer, there could be significant impact to your financial help or federal income tax filing. When this disclaimer appears on screen in your actual application, the fields noted as YYYY below will display the corresponding tax year for your application. A screenshot of this disclaimer as it appears in the application is on Page 2.
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Questions about My Bill Written by Yessenia Milan Last published at January 08, 2025 Your first bill will be sent from the insurance company you choose Anthem or ConnectiCare Benefits, Inc. about 5-10 days after your enrollment status is Initiated. Your insurance policy will not go into effect until you make your first payment. The payment must go directly to your insurance company, not Access Health CT. You may use your ID card after your payment has been processed by the insurance company. If you do not receive a bill within 5-10 days after receiving a successful enrollment notice from Access Health CT, contact your insurance company. If you need to change your address, you can either call us at 1-855-805-4325 TTY 1-855-789-2424 or contact us at 1-855-805-4325 with a relay operator or report the change online. For directions on how to change your address online, click here. If you have a question about whether a payment has been received or applied or how long it takes to process, call your insurance company or visit them online. For Anthem, call 1-855-738-6644 or visit Anthem.com For ConnectiCare Benefits, Inc., call 1-800-251-7722 or visit chooseconnecticare.com. You can also visit one of the ConnectiCare centers. Contact your insurance company or read your bill to find out when payments are due.
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Your first bill will be sent from the insurance company you choose Anthem or ConnectiCare Benefits, Inc. about 5-10 days after your enrollment status is Initiated. Your insurance policy will not go into effect until you make your first payment. The payment must go directly to your insurance company, not Access Health CT. If you do not receive a bill within 5-10 days after receiving a successful enrollment notice from Access Health CT, contact your insurance company. If you need to change your address, you can either call us at 1-855-805-4325 TTY 1-855-789-2424 or contact us at 1-855-805-4325 with a relay operator or report the change online. For directions on how to change your address online, click here. If you have a question about whether a payment has been received or applied or how long it takes to process, call your insurance company or visit them online. Contact your insurance company or read your bill to find out when payments are due.
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Rate Increase Justification Written by Yessenia Milan Last published at November 05, 2024 Why is my bill higher this year compared to last year? Premium rates can increase from year to year. Rate increases must be approved by the Connecticut Insurance Department. The insurance companies that offer coverage through Access Health CT have issued rate increases for plans being offered in 2025. This means that if you were enrolled in a health plan in 2024 and will continue with that plan for 2025, you may need to pay more in premium per month than last year. For more information on specific rate increases, you should view the rate increase justification issued by your insurance carrier Anthem Individual Anthem Small Group Connecticare Benefits, Inc. Connecticare Insurance Company, Inc. Some related topics Questions about my bill Financial Help and LowNo-Cost Programs Why has my financial help changed?
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The insurance companies that offer coverage through Access Health CT have issued rate increases for plans being offered in 2025. This means that if you were enrolled in a health plan in 2024 and will continue with that plan for 2025, you may need to pay more in premium per month than last year. For more information on specific rate increases, you should view the rate increase justification issued by your insurance carrier.
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Renewing your Coverage Written by Yessenia Milan Last published at October 17, 2024 Access Health CT consumers enrolled in health andor dental plans must renew their coverage during the annual Open Enrollment Period, starting November 1. HUSKY Health enrollees eligibility to renew their coverage is redetermined on the basis of original enrollment dates, and redetermination may fall outside of the Open Enrollment Period. Access Health CT encourages all customers to shop and compare plans this year. If you are already enrolled through Access Health CT, you may need to take action to renew your health andor dental plan and see all the financial help available to you. Make sure to report any changes to your information, like your household size, income and tax filing status. Have you changed jobs this year? Has your household income changed since you enrolled? Has your home andor mailing address changed since you enrolled? If you answer yes to any of these questions, you must report the changes to us immediately. Make sure to report any changes to your information since you enrolled, like your household size, household income and tax filing status. Options to Renew If you have an online account with Access Health CT, you can sign in here to renew your health andor dental coverage. Upon signing in, click Report a ChangeRenew Coverage under I want to to begin. If you dont have an online account but want to set one up and link it to your application, click here for instructions. You can renew coverage over the phone by calling 1-855-805-4325. Customers who are deaf or hearing impaired may use TTY at 1-855-789-2428 or contact us at 1-855-805- 4325 with a relay operator. Visit one of our Enrollment Locations for one-on-one help with your renewal. For in-person help, click here. How to Renew during the annual Open Enrollment Period 1. Sign in to your online account at AccessHealthCT.com. 2. Click Report a ChangeRenew Coverage under I want to to begin. 3. Select Report Income or Household Changes for 2024 and Renew for 2025. 4. Please review all sections, including questions about your household size, household income and tax filing status. 1. If you need to report any changes to your information, select Report a Change and Renew. If not, select Proceed to Renewal. 5. Compare health plans and find one that works for your needs. Consider things like your premium monthly payment, deductible, co-payments, provider network and prescription drug coverage. 6. If your current health plan doesnt include dental coverage, please make sure to review our options for dental insurance. You do not need to have a health plan with us to choose a dental plan. 7. Complete your enrollment, and if asked, provide documents needed to verify information. For more information about renewing your health and ordental coverage, click here. Tips for a Smooth Renewal Make sure you know what you need to do to complete your renewal, and when. Dont let the deadline catch you by surprise make sure you renew your health andor dental coverage by December 15 to avoide a lapse in coverage. Remember The deadline to enroll for January 1 coverage is December 15 if you enroll between December 16 and January 15 your plan will start February 1. If you have preferred doctors, healthcare providers or prescription drugs, check that they are included in your 2025 plan. You can enter a doctors name or ZIP code when you apply through Access Health CT, as well as any prescription drugs you want to be sure are covered. When comparing health plans, you will be able to see which plans include your preferred doctors and prescription drugs. Schedule time with your Certified Broker who can help recommend a health andor dental plan for you, for free. You can search for a Broker in your area who speaks your language or come to one of our Enrollment Fairs where Brokers will be available to advise you. Already have a Broker? To get their contact information, sign in at AccessHealthCT.com and click Manage My Assistance.
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Access Health CT consumers enrolled in health andor dental plans must renew their coverage during the annual Open Enrollment Period, starting November 1. HUSKY Health enrollees eligibility to renew their coverage is redetermined on the basis of original enrollment dates, and redetermination may fall outside of the Open Enrollment Period. Access Health CT encourages all customers to shop and compare plans this year. If you are already enrolled through Access Health CT, you may need to take action to renew your health andor dental plan and see all the financial help available to you.
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Reporting Changes to Household Information Written by Yessenia Milan Last published at October 24, 2024 If any of your personal information changes during the year, changes should be reported within 30 days or as quickly as possible. If we dont have the most up-to-date information it can make it harder for us to get in touch with you about your account and it can affect the amount of financial help you can receive or result in owing the IRS. Account Changes to Stay Connected STAY IN TOUCH TO MAXIMIZE YOUR BENEFITS Understand how to make the most of your plan benefits and keep in touch about important customer renewal information. Sign In and click on Edit my Settings, then click Update Contact Information to update your mailing address, add an email address or opt-in to receive text messages. Application Changes to Report KEEP APPLICATION INFORMATION ACCURATE Keep your account details updated to ensure your financial help is accurate. Sign In and click Report Income or Household Changes to report changes to household address, income, or remove someone from your account. Know The Type of Change Reported If you are reporting an application change that impacts the amount of financial help you receive like reporting more income than estimated previously, you may receive a notice canceling your current plan and a separate notice alerting you about the new plan you are now enrolled in with the updated amount of financial help reflecting the change you reported. This can impact plan benefits like your yearly deductible and out-of-pocket maximums. Know Your Household Understanding who is included in your household will help determine what changes need to be reported. When you estimate your income to receive financial help you should count income for everyone in your tax household. Therefore, if anyones income changes during the year, the total income amount listed in your application should be adjusted accordingly and reported immediately to ensure you receive the proper amount of financial help. Other household changes should also be reported Ex Your dependent changes their intended filing status. Unreported changes to income can lead to owing the IRS so it is important to keep your account details updated.
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Keep your account details updated to ensure your financial help is accurate. Sign In and click Report Income or Household Changes to report changes to household address, income, or remove someone from your account. Know The Type of Change Reported If you are reporting an application change that impacts the amount of financial help you receive like reporting more income than estimated previously, you may receive a notice canceling your current plan and a separate notice alerting you about the new plan you are now enrolled in with the updated amount of financial help reflecting the change you reported.
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Special Enrollment Period for Personal Care Attendants PCA and Direct Support Professionals DSP Written by Kecia Stauffer Last published at October 25, 2024 Access Health CT will provide a Special Enrollment Period from March 15, 2023 to May 15, 2023 to help eligible Personal Care Attendants PCAs and Direct Support Professionals DSPs to enroll in health insurance. If they qualify, these PCAs and DSPs can enroll in no- or low-cost coverage, including a Qualified Health Plan with some premium assistance, the Covered CT Program or qualify to enroll in HUSKY Health Medicaid. The eligibility requirements for the Special Enrollment Period are listed below. How to Qualify for the Special Enrollment Period You must apply for health insurance coverage through Access Health CT and be eligible to enroll. In your application, you must attest to being a Personal Care Attendant PCA or Direct Support Professional DSP. Before You Apply Through Access Health CT 1. Gather information about the members of your household. You will need the Date of Birth and Social Security Number for every person in your tax household, even if they dont need coverage. 2. Estimate your Annual Household Income for 2023 include upcoming bonuses or raises and income from all sources, not just your PCA work. If you are approved for the Premium Assistance Contribution, you must return to Access Health CT to update your application. You must include the contribution amount as part of your annual household income for 2023. Help Support You can enroll online, by phone or with the help of an Enrollment Specialist. See your options to get free help from Access Health CT. If you need a copy of your denial letter, also called the 1301 Eligibility Determination Notice, you can download a PDF from your online account inbox Sign in and click My Messages. After you apply, this letter will arrive in your online account inbox within 1 business day, or to your mailbox in a few business days. Here is how to check your notice If you are not eligible for Medicaid, your notice will explicitly state that you are not eligible for Medicaid. If you are not eligible for the Covered CT Program, your notice will not have it listed in writing. If you are eligible, your notice will state that you are eligible for the Program. If you dont have an online account with Access Health CT or you need help, call us at 1- 855-805-4325. Customers who are deaf or hearing impaired may use TTY at 1-855-789- 2428 or call with a relay operator we speak many languages.
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Access Health CT will provide a Special Enrollment Period from March 15, 2023 to May 15, 2023 to help eligible Personal Care Attendants PCAs and Direct Support Professionals DSPs to enroll in health insurance.
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Special Enrollment Periods Written by Yessenia Milan Last published at December 23, 2024 The Open Enrollment Period for 2025 health and dental insurance coverage ends January 15, 2025. Residents may be able to enroll at any time through Access Health CT if they Are an American Indian or Alaska Native Qualify for HUSKY Health MedicaidChildrens Health Insurance Program Qualify for the Covered CT Program Qualify for the Special Enrollment Period for Residents with Lower Income Experience a Qualifying Life Event like losing HUSKY Health, losing health coverage through your job, getting married, or moving to Connecticut from another state or country. A Special Enrollment Period is a special window of time outside the Open Enrollment Period when you can enroll in health andor dental insurance coverage through Access Health CT. To qualify for a Special Enrollment Period, you must prove that you have a Qualifying Life Event and you will generally have 60 days from the date of that event to contact Access Health CT to complete your application process and enroll in health andor dental insurance coverage. Please note that if you qualify for MedicaidCHIP or the Covered CT Program, or if you are an American Indian or Alaska Native, you can enroll in coverage any time of the year. Qualifying Life Events A change in your life like losing health coverage through your job, getting married, having a baby or moving to Connecticut can make you eligible for a Special Enrollment Period, allowing you to enroll in health andor dental insurance coverage outside the annual Open Enrollment Period. If you have a Qualifying Life Event, your Special Enrollment Period will generally last 60 days from the date of the event. During this time, you can sign up for health andor insurance coverage or change your plan if you already have coverage. Important if there are changes to the benefits offered by your employer, including employer contributions to your health insurance premiums and Health Reimbursement Arrangements HRAs, you may qualify for a Special Enrollment Period. Deadlines Verification Before You Apply You will generally have up to 60 days from the date of your Qualifying Life Event to apply for health insurance coverage through Access Health CT. Before Coverage Can Begin You must provide proof of your Qualifying Life Event, and you will have up to 30 days to submit those documents. You must verify your information before your coverage can begin. See below for a full list of Qualifying Life Events and acceptable documents. Other Information, If We Ask You will generally have up to 90 days from the date you apply to provide proof of other information like your identity, residency, or immigration status if we ask you for that information. Always respond to requests for verification documents, or else it could impact your coverage or your financial help. To learn more about Special Enrollment Periods and how to provide proof of your Qualifying Life Event, click here. Qualifying Life Events Verification Document Loss of Minimum Essential Coverage MEC occurs when an individual loses health andor dental coverage that meets the Affordable Care Act ACA requirement for having health care coverage. Examples include Losing your coverage due to job changeloss Losing coverage through your employer Exhaustion of COBRA coverage Losing coverage through your spouse or parent Provide a coverage termination letter from the employer, HR department, or healthcare coverage administrator of your terminated coverage. Termination letters must include Your first and last name An insurance coverage end date that happened or will happen within 60 days of your Access Health CT application date. The last day of coverage in the termination letter must be the same as the coverage end date you list on your application. Name of employer or healthcare coverage No longer eligible for MedicaidHUSKY Health Decertification of your health plan Cancellation of employer healthcare coverage for employees or their beneficiaries Cancellation or a large reduction in employer contributions toward coverage so that your share of premium does not meet federal standards Please note Loss of MEC does not include voluntary termination of coverage or termination by the insurer due to non-payment of monthly payments premiums. administrator Name and signature of the authorized person issuing the letter Please note If your coverage termination letter says that you did not pay your monthly payments premiums or that you chose to end your coverage, you will not be eligible for a Special Enrollment Period. Gain of Health Reimbursement Arrangement HRA or Qualified Small Employer Health Reimbursement Arrangement QSEHRA or a change in employer contributions to an HRA or QSEHRA Provide the letter from your employer, HR department, or healthcare coverage administrator that explains the gain of Health Reimbursement Arrangement HRA or Qualified Small Employer Health Reimbursement Arrangement QSEHRA
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The Open Enrollment Period for 2025 health and dental insurance coverage ends January 15, 2025. Residents may be able to enroll at any time through Access Health CT if they Are an American Indian or Alaska Native Qualify for HUSKY Health MedicaidChildrens Health Insurance Program Qualify for the Covered CT Program Qualify for the Special Enrollment Period for Residents with Lower Income Experience a Qualifying Life Event like losing HUSKY Health, losing health coverage through your job, getting married, having a baby or moving to Connecticut from another state or country. A Special Enrollment Period is a special window of time outside the Open Enrollment Period when you can enroll in health andor dental insurance coverage through Access Health CT. To qualify for a Special Enrollment Period, you must prove that you have a Qualifying Life Event and you will generally have 60 days from the date of that event to contact Access Health CT to complete your application process and enroll in health andor dental insurance coverage. Important if there are changes to the benefits offered by your employer, including employer contributions to your health insurance premiums and Health Reimbursement Arrangements HRAs
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State HUSKY A and B for Children Written by Kecia Stauffer Last published at January 08, 2025 Connecticut is offering two new state-funded health coverage programs for children. These programs provide coverage for uninsured children ages 0-15 who cannot enroll in regular HUSKY A Medicaid or HUSKY B Childrens Health Insurance Program CHIP because they are undocumented immigrants. You can find the annual and monthly income limits on the Department of Social Services DSS website under How to Qualify. For more information about these programs, visit the Department of Social Services website for Frequently Asked Questions. How to Enroll You must enroll by phone or paper application there is no online enrollment at this time. We strongly encourage applying by phone to get an immediate decision about qualifying for HUSKY coverage. Call Access Health CT at 18558054325 If you are deaf or hearing impaired, you may use TTY at 18557892428 or call 1-855-805-4325 with a relay operator Request a paper application be mailed to you by calling Access Health CT or by visiting a DSS service center in-person. Visit to find a service center near you Other Options for Residents Lawfully present immigrants may be eligible for other types of coverage through Access Health CT. Click here to learn more.
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Connecticut is offering two new state-funded health coverage programs for children. These programs provide coverage for uninsured children ages 0-15 who cannot enroll in regular HUSKY A Medicaid or HUSKY B Childrens Health Insurance Program CHIP because they are undocumented immigrants.
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Steps How to Upload your Documents to your Online Account Written by Yessenia Milan Last published at September 14, 2023 AHCT-Upload-Documents-English.pdf
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Steps How to Upload your Documents to your Online Account Steps How to Upload your Documents to your Online Account Steps How to Upload your Documents to your Online Account Steps How to Upload your Documents to your Online Account Steps How to Upload your Documents to your Online Account Steps How to Upload your Documents to your Online Account Steps How to Upload your Documents to your Online Account Steps How to Upload your Documents to your Online Account Steps How to Upload your Documents to your Online Account Steps How to Upload your Documents to your Online Account Steps How to Upload your Documents to your Online Account Steps How to Upload your Documents to your Online Account Steps How to Upload your Documents to your Online Account Steps How to Upload your Documents to your Online Account Steps How to Upload your Documents to your Online Account Steps How to Upload your Documents to your Online Account Steps How to Upload your Documents to your Online Account Steps How to Upload your Documents to your Online Account Steps How to Upload your Documents to your Online Account Steps How to Upload your Documents to your Online Account Steps How to Upload your Documents to your Online Account Steps How to
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Student Visa and Work Visa Written by Yessenia Milan Last published at December 22, 2023 Yes. If you have certain types of work or student visas, you may qualify for coverage through Access Health CT. If you qualify based on your status, you must remain lawfully present and a resident of Connecticut for the remainder of the year in which you are covered.
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If you have a student visa, you may qualify for coverage through Access Health CT. You must remain lawfully present and a resident of Connecticut for the remainder of the year in which you are covered. If you have a work visa, you may qualify for coverage through Access Health CT. You must remain lawfully present and a resident of Connecticut for the remainder of the year in which you are covered. If you have a work visa, you may qualify for coverage through Access Health CT. You must remain lawfully present and a resident of Connecticut for the remainder of the year in which you are covered. If you have a work visa, you may qualify for coverage through Access Health CT. You must remain lawfully present and a resident of Connecticut for the remainder of the year in which you are covered. If you have a student visa, you may qualify for coverage through Access Health CT. You must remain lawfully present and a resident of Connecticut for the remainder of the year in which you are covered. If you have a work visa, you may qualify for coverage through Access Health CT. You must remain lawfully present and a resident of Connecticut for the remainder of the year in which you are covered.
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Terms of Use Written by Yessenia Milan Last published at October 02, 2024 Introduction Access Health CT is the new health insurance marketplace developed by the State of Connecticut to satisfy the requirements of the federal Affordable Care Act. By using this website, or you agree to be bound by these Terms of Use. Please review them carefully. For more information on how Access Health CT may collect, use, maintain, secure and disclose your personal information, please review our Privacy Policy. Additional guidelines, terms and agreements Additional Terms may apply to programs and products offered through this Site. For example, if you select a health insurance plan through this Site, separate terms will apply to your selection. In the event of a conflict between such Additional Terms and these Terms of Use, such Additional Terms will control. We reserve the right to revise these Terms of Use at any time by updating this posting. You are responsible for reviewing these Terms of Use regularly in order to become aware of any changes. By continuing to use this Site after any amendment, you agree to accept any such change. Registration In order to access some features of this Site and apply for any of the plans or programs available through Access Health CT, you will need to create a User ID and password. You agree to provide us with accurate and complete registration information, and to inform us of any updates or changes to such information. Your User ID and password verify your identity so that you may have access to your information while restricting access by unauthorized individuals. Your Access Health CT User ID and password are your keys to obtaining secure information from Access Health CT. To ensure that there is no unauthorized use of the information that Access Health CT has about you, you should not share your Access Health CT User ID or password with anyone. Your password is confidential and known only to you if you share it with anyone else, you do so at your own risk. You are responsible for all activities that occur under your User ID and password. If you learn that there has been any unauthorized access to or use of your password or any of the information in your Access Health CT account, please notify Access Health CT as soon as possible by calling 1-855-805-HEALTH 1-855-805-4325. You may not have access to anyone elses Access Health CT account unless you have received express consent to do so and you must not falsely represent to Access Health CT that you have such consent. You may not use Access Health CT or your Access Health CT account to attempt to access any other individual or households personal data other than your own. Use of this Site You may browse this Site and use its functions and features, and you may download material displayed on this Site, for your own personal use only i.e. to review and select health insurance policies and affordability programs offered on this Site. Except as noted above, you receive no right or license, by implication, estoppel, or otherwise, in or under any patent, trademark, copyright, or proprietary right of Access Health CT or any third party through your use of this Site. You may not Download, modify, reproduce, adapt, translate, reverse engineer, create derivative works based upon, publicly display, sell, rent, license, or in any way commercially exploit any portion of this Site, except and to the extent expressly permitted under these Terms of Use Use, frame or utilize framing techniques to enclose any Access Health CT trademark or logo or any other part of this Site Remove any copyright, trademark or other proprietary notice contained in or on this Site Create user accounts by automated means or under false or fraudulent pretenses Transmit or upload to this Site any item containing or embodying any virus, worm, defect, Trojan horse, or other feature designed to damage or degrade in any manner the performance of this Site, or any other Web site, or any other computer or other device or system, or the enjoyment of this Site by any other user Use this Site to violate the security of or gain unauthorized access to any computer or computer network or other device or system including unauthorized attempts to discover passwords or security encryption codes, SYSDATE Take any action that imposes, or may impose a disproportionately large data or traffic load on this Site or the IT infrastructure used to operate and make this Site available Circumvent or attempt to circumvent any security measures associated with this Site or Use this Site to violate any applicable local, state, federal or international law. Any use of this Site in violation of these Terms of Use will terminate the permission or license granted by these Terms and result in the termination of your account on this Site. Such unauthorized use may violate applicable law, including, without limitation, copyright laws and trademark laws including trade dress. We reserve the right, but are not ob
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Access Health CT is the new health insurance marketplace developed by the State of Connecticut to satisfy the requirements of the federal Affordable Care Act. By using this website, or you agree to be bound by these Terms of Use. Please review them carefully. For more information on how Access Health CT may collect, use, maintain, secure and disclose your personal information, please review our Privacy Policy. Additional guidelines, terms and agreements Additional Terms may apply to programs and products offered through this Site. For example, if you select a health insurance plan through this Site, separate terms will apply to your selection. In the event of a conflict between such Additional Terms and these Terms of Use, such Additional Terms will control. We reserve the right to revise these Terms of Use at any time by updating this posting. You are responsible for reviewing these Terms of Use regularly in order to become aware of any changes. By continuing to use this Site after any amendment, you agree to accept any such change. Registration In order to access some features of this Site and apply for any of the plans or programs available through Access Health CT, you will need to create a User ID and password. You agree to provide us with accurate and complete registration information, and to inform us of any updates or
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Text Message Disclaimer Written by Yessenia Milan Last published at March 18, 2021 Text Message Disclaimer 1.pdf
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Text Message Disclaimer 1.pdf Text Message Disclaimer 1.pdf Text Message Disclaimer 1.pdf Text Message Disclaimer 1.pdf Text Message Disclaimer 1.pdf Text Message Disclaimer 1.pdf Text Message Disclaimer 1.pdf Text Message Disclaimer 1.pdf Text Message Disclaimer 1.pdf Text Message Disclaimer 1.pdf Text Message Disclaimer 1.pdf Text Message Disclaimer 1.pdf Text Message Disclaimer 1.pdf Text Message Disclaimer 1.pdf Text Message Disclaimer 1.pdf Text Message Disclaimer 1.pdf Text Message Disclaimer 1.pdf Text Message Disclaimer 1.pdf Text Message Disclaimer 1.pdf Text Message Disclaimer 1.pdf Text Message Disclaimer 1.pdf Text Message Disclaimer 1.pdf Text Message Disclaimer 1.pdf Text Message Disclaimer 1.pdf Text Message Disclaimer 1.pdf Text Message Disclaimer 1.pdf Text Message Disclaimer 1.pdf Text Message Disclaimer 1.pdf Text Message Disclaimer 1.pdf Text Message Disclaimer 1.pdf Text Message Disclaimer 1.pdf Text Message Disclaimer 1.pdf Text Message Disclaimer 1.pdf Text Message Disclaimer 1.pdf Text Message Disclaimer 1.pdf Text Message Disclaimer 1.pdf Text Message Disclaimer 1.pdf Text Message Disclaimer 1.pdf Text Message Disclaimer 1.pdf Text Message Disclaimer 1.pdf Text Message Disclaimer 1.pdf Text Message Disclaimer 1.pdf Text Message Disclaimer
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Verification Documents Written by Yessenia Milan Last published at February 18, 2025 This article has general information about verification documents. Here is a list of documents you can submit and instructions for uploading documents. If you still have questions, find help or call us at 1-855-805-4325 TTY 1-855-789-2428 or contact us at 1-855-805-4325 with a relay operator. When you apply for health or dental coverage through Access Health CT, you may be asked to provide documentation to verify certain information you included in your application. If we need any verification documentsfrom you, we will notify you while you apply OR send you a letter after you submit your application. If you receive a letter from us asking you to submit verification documents to confirm your eligibility for healthcare coverage andor financial help, that means that we need to hear from you as soon as possible! This letter will tell you what kind of verification information we need such as proof of income, identity, citizenship, or immigration status. Check your mailbox or sign in to your account to check your online inbox. Even if you have enrolled and started using your plan, you may lose your coverage or financial help if we dont receive the verification documents that we need to confirm your information. How long do I have to submit my verification documents? The letter we send you will state the deadline for submission of your verification documents. Your deadline will depend on the type of eligibility verification you must complete Special Enrollment Period eligibility verifications You must provide proof of your Qualifying Life Event within 30 days, and you may need to send additional information within 90 days if requested. For more information about Special Enrollment Period eligibility verification, click here. All other eligibility verifications You generally have up to 90 days from the date you enrolled in your plan to submit the documents Access Health CT has requested. However, it is important to resolve open verification issues as soon as possible. Please refer to the letters you have received from us for more information about your verification requirements and deadlines. How to Submit Verification Documents to Access Health CT The letter we send you will include instructions on submitting verification documents to Access Health CT. You have options! If you have an online account, you can upload documents electronically at AccessHealthct.com Sign in and click on See What I Need to Provide. You can scan and upload documents or use your mobile phone to upload photos of your documents. Click here for further instructions on how to upload documents. You can mail the documents to us using the cover sheet and envelope that are included in that letter. Submit copies of your documents, not originals. If you need a copy of the barcode and cover sheet sent by Access Health CT, sign in to your account and click See What I Need to Provide to search for the message. Mail the documents, cover sheet, and envelope to Access Health CT, P.O. Box 670 Manchester, CT 06045-0670. What Should I Do if my Documentation Fails the Verification Process? If we cant verify what you attested to in your application based on the documentation you submit, then we will alert you that the documents failed verification, and ask you re-submit your documents. If this occurs, youll receive a notice from us in your online account inbox with the subject line Verification Failed. If help is needed, our Call Center can help advise you why the documents failed and the next steps you need to take. You may need to update your application with the latest information. In order to avoid any impact to your coverage andor financial help, you must take action. If you have questions about what verification documents to provide, click here for more information.
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This article has general information about verification documents. Here is a list of documents you can submit and instructions for uploading documents. If you still have questions, find help or call us at 1-855-805-4325 TTY 1-855-789-2428 or contact us at 1-855-805-4325 with a relay operator. When you apply for health or dental coverage through Access Health CT, you may be asked to provide documentation to verify certain information you included in your application. If you receive a letter from us asking you to submit verification documents to confirm your eligibility for healthcare coverage andor financial help, that means that we need to hear from you as soon as possible! This article has general information about verification documents. Here is a list of documents you can submit and instructions for uploading documents. If you still have questions, find help or call us at 1-855-805-4325 TTY 1-855-789-2428 or contact us at 1-855-805-4325 with a relay operator. When you apply for health or dental coverage through Access Health CT, you may be asked to provide documentation to verify certain information you included in your application. If we need any verification documentsfrom you, we will notify you while you apply
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Vision Coverage Written by Yessenia Milan Last published at June 28, 2024 All plans offered through Access Health CT include vision benefits for covered dependents up through age 25. Coverage includes routine eye exams by a specialist and prescription eyeglasses. Several of the plans offered through Access Health CT include vision benefits for covered persons age 26 and older. Plans that include this coverage will indicate Adult Vision within the plan marketing name. Coverage includes routine eye exams by a specialist and may also cover prescription eyeglasses and contact lenses. While Access Health CT does not offer a stand-alone vision plan, many of the medical plans offered through Access Health CT include this benefit. To determine a level of coverage and member cost share amounts, click My Plans in your online account, or by contact your Certified Broker or insurance company directly. The State of Connecticut offers a listing of the companies selling individual stand-alone vision policies in Connecticut, click here for more information. For more information about HUSKY Healths vision coverage, please click here.
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All plans offered through Access Health CT include vision benefits for covered dependents up through age 25. Coverage includes routine eye exams by a specialist and prescription eyeglasses. Several of the plans offered through Access Health CT include vision benefits for covered persons age 26 and older. Plans that include this coverage will indicate Adult Vision within the plan marketing name. Coverage includes routine eye exams by a specialist and may also cover prescription eyeglasses and contact lenses. While Access Health CT does not offer a stand-alone vision plan, many of the medical plans offered through Access Health CT include this benefit. To determine a level of coverage and member cost share amounts, click My Plans in your online account, or by contact your Certified Broker or insurance company directly. The State of Connecticut offers a listing of the companies selling individual stand-alone vision policies in Connecticut, click here for more information. For more information about HUSKY Healths vision coverage, please click here.
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Ways to Get Free Help Written by Kecia Stauffer Last published at January 22, 2025 Call Center For general questions, help with your application or your account, please contact our call center. Speak with an Enrollment Specialist who can answer your questions and guide you through the enrollment processin many different languages. Call us at 1-855-805-4325, Monday Friday from 800 a.m. to 400 p.m. check website for details, click here. Customers who are deaf or hearing impaired may use TTY at 1-855-789-2428 or call 1-855- 805-4325 with a relay operator. Live Chat For free online help, residents may visit AccessHealthCT.com. Click the Live Chat icon to connect with a Customer Service Representative in real time. Live Chat available Monday Friday from 800 a.m. to 345 p.m. Holiday hours may vary, click here for details. Be Prepared. Have the following information for yourself and anyone in your household applying for coverage Dates of Birth Social Security numbers Visa, Green Card or immigration documents Most recent Form W-2 andor Form 1040, Form 1099 Current insurance coverage Paystubs, Profit Loss statements or other employment information to confirm income for everyone in your tax household In-Person Help Get one-on-one help with your questions or enrollment application from one of our Enrollment Specialists. Navigator partner locations are open year-round. Office hours vary by location. Appointments are encouraged please call the location before you visit. Community Renewal Team CRT, Hartford Community Health Center Association of CT CHCACT, Norwich Willimantic Cornell Scott Hill Health Center, New Haven Greater Bridgeport Area Prevention Program GBAPP, Bridgeport New Opportunities, Inc., Waterbury Certified Broker Brokers are trained and certified to assist with your application for health and dental coverage. They are the only ones who can recommend a specific plan for you. To find a Certified Broker, visit the Assistance Search. Certified Application Counselor Also called a CAC or Enrollment Specialist, they can answer your questions or help with your application. These trained professionals are located at places like Community Health Centers, hospitals, etc. To find a CAC near you, visit the Assistance Search.
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If you need help with your application or your account, please contact our call center. Call us at 1-855-805-4325, Monday Friday from 800 a.m. to 400 p.m. check website for details, click here. Customers who are deaf or hearing impaired may use TTY at 1-855-789-2428 or call 1-855- 805-4325 with a relay operator. Live Chat For free online help, residents may visit AccessHealthCT.com. Click the Live Chat icon to connect with a Customer Service Representative in real time. Holiday hours may vary, click here for details. Be Prepared. Have the following information for yourself and anyone in your household applying for coverage Dates of Birth Social Security numbers Visa, Green Card or immigration documents Most recent Form W-2 andor Form 1040, Form 1099 Current insurance coverage Paystubs, Profit Loss statements or other employment information to confirm income for everyone in your tax household. In-Person Help Get one-on-one help with your questions or enrollment application from one of our Enrollment Specialists. Navigator partner locations are open year-round. Office hours vary. Appointments are encouraged please call the location
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What is a 1095-B? Written by Yessenia Milan Last published at February 14, 2023 A 1095-B is a tax form issued by the Department of Social Services to individuals enrolled in HUSKY Health for one or more months of the calendar year. The IRS Form 1095-B is NO LONGER REQUIRED by federal law when preparing federal tax returns and it will not be mailed out this year automatically. However, the Department of Social Services is required to make IRS Form 1095-B available upon request, and consumers who need a copy of the form can request it in one of the following ways Online By Phone HUSKY Health 1095-B Information Center, 1-844-503-6871 Mon - Fri, 8 - 5, Mail a request to The HUSKY Health 1095-B Information Center, P.O. Box 280747, East Hartford, CT 06128-0747
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A 1095-B is a tax form issued by the Department of Social Services to individuals enrolled in HUSKY Health for one or more months of the calendar year. The IRS Form 1095-B is NO LONGER REQUIRED by federal law when preparing federal tax returns and it will not be mailed out this year automatically. However, the Department of Social Services is required to make IRS Form 1095-B available upon request, and consumers who need a copy of the form can request it in one of the following ways Online By Phone HUSKY Health 1095-B Information Center, 1-844-503-6871 Mon - Fri, 8 - 5, Mail a request to The HUSKY Health 1095-B Information Center, P.O. Box 280747, East Hartford, CT 06128-0747
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What is Access Health CT? Written by Yessenia Milan Last published at February 18, 2025 Access Health CT is Connecticuts official health insurance marketplace, established to meet the requirements of the Affordable Care Act, increase the number of insured residents in Connecticut, promote positive health outcomes, lower costs, and eliminate health disparities. At Access Health CT, you can shop, compare and enroll in quality healthcare plans, qualify for financial help to lower your health insurance costs, and if eligible, enroll into free or low-cost coverage through HUSKY Health MedicaidChildrens Health Insurance Program CHIP or the Covered CT Program. All plans offered through Access Health CT include coverage for important essential health benefits such as annual checkups, prescription drugs, lab tests, and several other benefits noted below. Access Health CT is We are a marketplace that uses a single enrollment application to check your eligibility for i a Qualified Health Plan QHP or no- or low-cost coverage through ii HUSKY Health programs MedicaidCHIP, which includes HUSKY A, B, and D or iii the Covered CT Program We are the only place where you can qualify for financial help to lower your health insurance costs, or if eligible, enroll in no- or low-cost coverage through HUSKY Health programs MedicaidCHIP and the Covered CT Program We are an option for Individuals or families who need health coverage options Individuals or families who need dental insurance coverage options Small businesses 50 or fewer full-time equivalent employees that need health and dental coverage for their employees What Access Health CT is not We are not an insurance company. We are an insurance marketplace offering plan options from different brand-name insurance companies. We are not able to enroll you in Medicare, Medicare Supplement Insurance, or Medicare Health Plans. We are not able to check eligibility for Medicaid HUSKY C, Medicaid for Employees with Disabilities MED-Connect, SNAP food stamps, andor cash assistance. We are not a resource for billing questions, copies of Identification Cards, or detailed information about benefits or plans. Contact your insurance company directly for this information. Who Can Enroll Through Access Health CT? HUSKY Health MedicaidChildrens Health Insurance Program Must be a Connecticut resident and i a citizen or U.S. national ii legal resident or iii lawfully present for at least five 5 years. If you are lawfully present, the five 5 year requirement may be waived in certain circumstances, like for a child or refugeeasylee. As of April 1, 2022 there is a New HUSKY B Program for Prenatal Care and Extended Postpartum Coverage, learn more here. Qualified Health Plans and the Covered CT Program Must be a non-incarcerated other than pending final disposition of charges Connecticut resident and a citizen or U.S. national or a non-citizen who is lawfully present in the United States. Your eligibility for or enrollment in Medicare, VA benefits, or Tricare, may impact your ability to enroll in a QHP. More About Qualified Health Plan QHP Coverage All health insurance plans offered through Access Health CT provide coverage for the same set of minimum essential health benefits, regardless of the level of the plan selected. While the cost for certain benefits may vary depending on the selected plan, you can be assured that all plans will provide coverage for Ambulatory patient services outpatient care you get without being admitted to a hospital Emergency room coverage Hospitalization such as surgery Maternity and newborn care care before and after your baby is born Mental health and substance abuse services, including behavioral health treatment includes counseling and psychotherapy Prescription drug coverage Rehabilitation and Habilitation services and devices services and devices to help people with injuries, disabilities, or chronic conditions gain or recover mental and physical skills Laboratory service coverage Preventive and wellness services and chronic disease management Pediatric services Some plans offer many additional covered benefits. You should always review the full plan information before enrolling in a plan to make sure it meets your needs. When choosing a plan, think about costs beyond your monthly payment premium. Pay attention to your yearly deductible, co-payments, or co-insurance costs and review the plans network of providers and prescription drug coverage. For more on comparing health plans, click here.
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Access Health CT is Connecticuts official health insurance marketplace, established to meet the requirements of the Affordable Care Act, increase the number of insured residents in Connecticut, promote positive health outcomes, lower costs, and eliminate health disparities.
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What is form 1099? Written by Yessenia Milan Last published at October 17, 2023 Form 1099 is used to report types of taxable income other than wages, salaries and tips to the Internal Revenue Service IRS. Examples include Self-employment income Social Security benefits paid Proceeds from the sale of real estate Dividends andor Interest payments Distributions from a retirement plan such as an IRA, 401k, or pension Payments from state governments such as unemployment compensation and state tax refunds
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Form 1099 is used to report types of taxable income other than wages, salaries and tips to the Internal Revenue Service IRS. Examples include Self-employment income Social Security benefits paid Proceeds from the sale of real estate Dividends andor Interest payments Distributions from a retirement plan such as an IRA, 401k, or pension Payments from state governments such as unemployment compensation and state tax refunds
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What is Transitional Medical Assistance TMA? Written by Yessenia Milan Last published at October 25, 2024 Transitional Medical Assistance TMA is a program offered through the Connecticut Department of Social Services DSS. This program provides 12 months of extended medical benefits to certain individuals who lost their HUSKY A coverage due to earnings. Households that are no longer eligible for HUSKY Health will be reviewed to see if they qualify for Transitional Medical Assistance TMA, the Covered CT Program, or some other form of financial help to lower health insurance costs. Those that need to choose a new health coverage option will have 60 days to enroll after the loss of HUSKY coverage. Please note, Transitional Medical Assistance TMA is offered only to HUSKY A members who had previously verified their income eligibility for HUSKY A and are now over the income limit due to earnings. For example, if a HUSKY A household who previously verified their income reported an increase in earnings, they would be eligible for Transitional Medical Assistance. However, if the HUSKY A household reported increased earnings and had an outstanding Verification Check List VCL for income due to a discrepancy between the Federal Data Services Hub FDSH and their self-attested income, they would not be entitled to Transitional Medical Assistance TMA. For the latest information from DSS about this program, click here. To find out if you are eligible for this program, you should complete an application with Access Health CT online or over the phone at 1-855-805-4325 if you are deaf or hearing impaired, you may use the TTY at 1-855-789-2428 or contact us at 1-855-805-4325 with a relay operator.
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Transitional Medical Assistance TMA is a program offered through the Connecticut Department of Social Services DSS. This program provides 12 months of extended medical benefits to certain individuals who lost their HUSKY A coverage due to earnings. Households that are no longer eligible for HUSKY Health will be reviewed to see if they qualify for Transitional Medical Assistance TMA, the Covered CT Program, or some other form of financial help to lower health insurance costs. Those that need to choose a new health coverage option will have 60 days to enroll after the loss of HUSKY coverage. For the latest information from DSS about this program, click here. To find out if you are eligible for this program, you should complete an application with Access Health CT online or over the phone at 1-855-805-4325 if you are deaf or hearing impaired, you may use the TTY at 1-855-789-2428 or contact us at 1-855-805-4325 with a relay operator.
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What should I do if my tax return was rejected for a missing Form 8962? Written by Kecia Stauffer Last published at February 19, 2025 If you filed your federal tax return electronically and it was rejected for a missing Form 8962, you may need to resubmit your federal tax return with a completed Form 8962 or an explanation for why you are missing the form, and then attach it to the federal return when you refile. Learn how to fix it and correctly file electronically Some related topics Form 1095-B and Form 1095-C Why has my financial help changed? Premium tax credits and filing
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If you filed your federal tax return electronically and it was rejected for a missing Form 8962, you may need to resubmit your federal tax return with a completed Form 8962 or an explanation for why you are missing the form, and then attach it to the federal return when you refile.
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Why Has My Financial Help Changed? Written by Yessenia Milan Last published at November 06, 2024 You may have noticed that your monthly bill for health insurance changed. This could be due to a change in the amount of financial help you qualify for. There are two types of financial help you may qualify for the Premium Tax Credit PTC, which you can take in advance APTCs or claim on your federal income tax return, and Cost-Sharing Reductions CSRs. The amount of financial help you can receive is based on 1. Annual Income Your tax households total expected income for the year. 2. Household size The total number of people in your tax household. Your eligibility for financial help can change for a number of reasons You reported a change to your household income that is higher than what you previously reported You may not qualify for the same amount of Premium Tax Credit PTC or any Premium Tax Credit PTC. You did not provide the requested documents to prove your eligibility for financial coverage or financial help. You received a Premium Tax Credit PTC but you didnt file a federal income tax return or did not file Form 8962 for two consecutive years. You wont be eligible for Premium Tax Credits PTC until you file Form 8962 for both tax years. You did not give consent for us to verify your households income with the Internal Revenue Service IRS. You no longer claim a person as a tax dependent or you are married but filed separate federal income tax returns if married you must file a joint federal income tax return to receive Advance Premium Tax Credits APTCs. You are newly eligible for a government- sponsored program such as Medicare, HUSKYMedicaid, CHIP, VA Care, or Tricare Your employer offered you affordable minimum coverage Do you think your eligibility determination is wrong? If you think you may still be eligible to receive some or more financial help, please review your Access Health CT application and follow the appeal instructions in your eligibility determination notice. If you need help understanding your eligibility, please contact us at 1-855-805-4325. Customers who are deaf or hearing impaired may use the TTY at 1-855-789-2428 or contact us at 1-855-805-4325 with a relay operator. Access Health CT cannot reinstate Advance Premium Tax Credits APTCs if your eligibility determination is correct. Other options If you are impacted by the change in your eligibility determination for financial help, you can consider the following options Enroll in a Qualified Health Plan with the new amount of financial help you qualify for, if any Contact the Connecticut Department of Social Services DSS to apply for HUSKY C Contact CHOICES at 1-800-994-9422 to explore options for the Medicare Savings Program
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You may have noticed that your monthly bill for health insurance changed. This could be due to a change in the amount of financial help you qualify for. There are two types of financial help you may qualify for the Premium Tax Credit PTC, which you can take in advance APTCs or claim on your federal income tax return, and Cost-Sharing Reductions CSRs. The amount of financial help you can receive is based on 1. Annual Income Your tax households total expected income for the year. 2. Household size The total number of people in your tax household. Your eligibility for financial help can change for a number of reasons You reported a change to your household income that is higher than what you previously reported You may not qualify for the same amount of Premium Tax Credit PTC or any Premium Tax Credit PTC. The amount of financial help you can receive is based on 1. Annual Income Your tax households total expected income for the year. 2. Household size The total number of people in your tax household. Your eligibility for financial help can change for a number of reasons You reported a change to your household income that is higher than what you previously reported You may not qualify for the same amount of Premium Tax Credit PTC or
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Yearly Income Disclaimer Written by Yessenia Milan Last published at March 02, 2021 Yearly Income Disclaimer 1.pdf Yearly Income Disclaimer The following disclaimer appears in the Tax Status section of the application when you enter or change your yearly income. Make sure you understand how the Premium Tax Credit works, and know that it is your responsibility to Report the correct annual income to Access Health CT. Inform Access Health CT if your income changes during the year you can report changes to household information online or by calling Access Health CT. Disclaimer This system will tell you how much Tax Credit can be used to help pay your health insurance premiums. BEWARE You could owe money to the IRS. The amount of Tax Credit you can legally use is based on your actual annual income that you will list on your federal tax return for this tax year. If the annual income you list here in your application is lower than your actual annual income that you will list in your federal tax return for this tax year, you could owe money to the IRS.
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Make sure you understand how the Premium Tax Credit works, and know that it is your responsibility to Report the correct annual income to Access Health CT. Inform Access Health CT if your income changes during the year you can report changes to household information online or by calling Access Health CT. Disclaimer This system will tell you how much Tax Credit can be used to help pay your health insurance premiums. BEWARE You could owe money to the IRS. The amount of Tax Credit you can legally use is based on your actual annual income that you will list on your federal tax return for this tax year. If the annual income you list here in your application is lower than your actual annual income that you will list in your federal tax return for this tax year, you could owe money to the IRS.
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