The Medicaid program is both federally and state regulated. This means that while the federal program does require certain standards across all 50 states, each state is permitted to add additional benefits and set its own eligibility standards. In Connecticut, the Medicaid program is called “Husky Health.”
HUSKY A is for parents and caregivers, some kids, and pregnant women. HUSKY B is for children, HUSKY C is for the disabled and elderly, and HUSKY D is for adults without kids.
All HUSKY Health members have access to the following benefits:
Members of HUSKY A, C, and D can also get access to non-emergency medical transportation, smoking cessation, and EPSDT (early and periodic screening, diagnosis, and treatment).
Most* drugs will be covered completely for HUSKY health members. HUSKY B members may owe copays for prescriptions. In most cases, doctors are required to prescribe the generic versions of the prescriptions you need. If a brand-name drug is required, your doctor will need to receive approval from Connecticut Medicaid. Additionally, your doctor will need to select drugs from the HUSKY Health “preferred drug list” and will need permission to go away from the list. In most cases, you will not be able to access a medication refill until you have used at least 93% of your prescription. Your doctor may be able to get you your prescription sooner if you have a reasonable excuse for needing it sooner.
*CT Medicaid will not cover drugs for cosmetic conditions, sexual dysfunction, obesity, fertility, any drug deemed ineffective, or experimental drugs.
The following behavioral health benefits are covered under HUSKY Health. HUSKY B members may owe copays for non-preventative services.
The Connecticut Medicaid program works with the Connecticut Dental Health Partnership (CTDHP) to provide high-quality but low-cost dental care to over 850,000 Connecticut residents. HUSKY B beneficiaries may need to pay a small copay for dental services, but the following services are covered for most CT Medicaid recipients at no charge*:
*You must see an in-network dentist to receive full coverage.
The HUSKY Plus program provides additional coverage for HUSKY B members who need more services. Added services include (with no premiums, deductibles, or copayments):
Connecticut Medicaid costs vary based on which plan you have. Most people won’t have to pay anything, but HUSKY B members will have to pay small copays (which can be as low as $1) for some services. Additionally, HUSKY B level two beneficiaries will have to pay monthly premiums of $30 for one child and $50 for two or more children.
Each HUSKY plan has different eligibility requirements. The chart below demonstrates the general income requirements for Connecticut Medicaid, but pay attention to which program you fall into:
HUSKY A & B
A & B are for Connecticut children and their parents or relative caregivers and pregnant women who have qualifying income. HUSKY B has two levels. Level one does not require any premiums, but level two is for those with higher incomes and requires a premium of up to $50 per month.
HUSKY C (MED-Connect)
C is for those aged 65 or older and for those who are blind or disabled. Income requirements are different based on where you live. In Southwestern CT, a single person cannot earn more than $633.49 per month, and married couples cannot earn more than $805.09 per month. In all other regions, a single person cannot earn more than $532.38 per month, and a married couple cannot earn more than $696.41 per month. Institutionalized people cannot earn more than $2,250 and cannot have more than $1,600 in assets (or $2,400 if married).
Those who are disabled and working can earn up to $75,000 per year and keep their Medicaid coverage.
D is for those between the ages of 19 and 65 who do not have dependent children and do not qualify for HUSKY A, are not pregnant, and do not have Medicare.
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You can apply for Connecticut Medicaid online through “Access Health CT,” over the phone (1-855-805-4325), in person at a Department of Social Services office, or by mail with application AH3. Call the Medicaid number for access to the physical application.
If you meet the eligibility requirements for both programs, you can benefit from both Medicare and Medicaid in Connecticut. To qualify for Medicare, you must be either above the age of 65, diagnosed with ALS or ESRD, or a SSDI (Social Security Disability Income) beneficiary for at least 25 months. If you do qualify for both programs, you can enroll in a Dual-Eligible Special Needs Plan, or DSNP. A DSNP is a form of Medicare Advantage, which means it provides even more benefits than what Original Medicare provides. Your DSNP plan comes with very few out-of-pocket costs. Questions? Send us a message or click here to get started.
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