Jane Dotson
HUSKY Health is a health insurance program that offers medical coverage to eligible US citizens, naturalized citizens, Lawful Permanent Residents (LPRs), and other immigrants. It includes Medicaid and the Children's Health Insurance Program (CHIP). HUSKY Health provides a comprehensive health care benefits package, including preventive care, primary care, dental, and more. Eligibility for HUSKY Health is based on income and assets, and individuals who cannot afford the cost of care but are over Medicaid's limits may still qualify through a spend-down program.
| Characteristics | Values |
|---|---|
| What is Husky Insurance? | Husky Health Insurance is a health insurance program that offers complete health coverage, including preventive and primary care, dental, and more. |
| Who is it for? | Husky Health Insurance is available to US citizens, naturalized citizens, Lawful Permanent Residents (LPRs), and qualified immigrants. It covers eligible children, parents, caregivers, elders, people with disabilities, adults without dependent children, and pregnant women. |
| Who is not eligible? | Deferred Action for Childhood Arrivals (DACA) recipients are not eligible to enroll in regular Husky Health programs, including Medicaid and the Children's Health Insurance Program (CHIP). |
| Eligibility criteria | Husky Health Insurance is based on assets and incomes and may change depending on which part of Medicaid the person is applying for. |
| Income criteria | Income criteria can be found on the Department of Social Services website. Individuals who cannot afford the cost of care but are over Medicaid's limits may still qualify through a spend-down program. |
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What You'll Learn
- HUSKY Health includes Medicaid and the Children's Health Insurance Program (CHIP)
- Eligibility for HUSKY Health is based on assets, incomes and residency
- HUSKY C includes Long-Term Services & Supports and Medicaid for Employees with Disabilities
- Deferred Action for Childhood Arrivals (DACA) recipients aren't eligible for regular HUSKY Health programs
- HUSKY Health offers a healthcare benefits package, including dental, specialist visits and behavioural health services
HUSKY Health includes Medicaid and the Children's Health Insurance Program (CHIP)
HUSKY Health is a program that includes Medicaid and the Children's Health Insurance Program (CHIP). It is managed by the Department of Social Services and offers a comprehensive health care benefits package to eligible individuals, including preventive care, primary care, specialist visits, hospital care, dental services, and prescription medications. To be eligible for HUSKY Health, individuals must be residents of Connecticut and meet certain income and asset criteria.
HUSKY Health provides medical coverage to a diverse range of individuals, including children, parents, caregivers, elders, people with disabilities, adults without dependent children, and pregnant women. The program ensures that those who cannot afford the cost of care but are over Medicaid's limits may still be able to qualify for assistance. This is done through a state spend-down program that evaluates an individual's care costs and income. If an individual's income exceeds the limit, they can qualify for Medicaid by spending the excess on their medically necessary care costs.
HUSKY Health also includes the Children's Health Insurance Program (CHIP), which provides health coverage for children in higher-income households who do not qualify for regular Medicaid. CHIP is specifically designed for applicants under the age of 19 who are uninsured. Families in this category may be able to share healthcare costs with their insurance company based on their income level.
Additionally, HUSKY C, a component of HUSKY Health, offers Medicaid coverage to individuals over the age of 65 and those between the ages of 18 and 65 who are blind or have another disability. HUSKY C also incorporates Long-Term Services and Supports (LTSS) and Medicaid for Employees with Disabilities. To qualify for HUSKY C, individuals must meet specific income and asset levels, which can vary depending on their geographic area within the state.
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Eligibility for HUSKY Health is based on assets, incomes and residency
Eligibility for HUSKY Health is based on assets, incomes, and residency. To qualify for HUSKY, applicants must be Connecticut residents and US citizens or qualified immigrants.
HUSKY Health is available to Connecticut residents aged 19 up to their 65th birthday without dependent children, who do not qualify for HUSKY A, who do not receive Medicare, and who are not pregnant. This is known as HUSKY D or Medicaid for the Lowest-Income Populations. There are currently no asset limits for HUSKY D.
Uninsured children under 19 in higher-income households may be eligible for HUSKY B, also known as the Children's Health Insurance Program (CHIP). Depending on the specific income level, family cost-sharing may apply.
Connecticut residents who are 65 or older and/or blind or disabled may qualify for Medicaid coverage under HUSKY C. Income and asset eligibility varies depending on the geographic area within the state and the part of HUSKY C for which the applicant qualifies. HUSKY C also includes Long-Term Services & Supports and Medicaid for Employees with Disabilities.
Additionally, Connecticut residents who meet all the requirements for Medicaid, except immigration status, may be eligible for HUSKY LB - Emergency Medicaid, which covers certain emergency medical services.
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HUSKY C includes Long-Term Services & Supports and Medicaid for Employees with Disabilities
HUSKY Health is a health insurance program that includes Medicaid and the Children's Health Insurance Program. It is managed by the Department of Social Services in Connecticut. HUSKY Health provides medical coverage to eligible state residents, including children, parents, caregivers, elders, people with disabilities, adults without dependent children, and pregnant women. Eligibility for HUSKY Health is based on income and assets, and specific criteria vary depending on the applicant's circumstances and the specific program they are applying for within the HUSKY Health umbrella.
One of the programs offered under HUSKY Health is HUSKY C, which is a Medicaid program providing health coverage for eligible adults aged 65 and older, adults with disabilities, and working adults with disabilities. HUSKY C includes long-term services and supports (LTSS), providing long-term care coverage for adults over 65 or with disabilities. LTSS includes nursing home care and home and community-based services (Medicaid waivers).
To qualify for HUSKY C LTSS, individuals must undergo a five-year income and asset review, with specific limits set for single people and married couples. Those who have previously received benefits from a DSS Medicaid program with an asset test are exempt from this review. Additionally, HUSKY C includes Medicaid for Employees with Disabilities, also known as MED-Connect. This program provides medical assistance to employed individuals with disabilities, allowing them to qualify for full Medicaid/HUSKY coverage while continuing to work.
MED-Connect enrollees may be required to pay a monthly premium based on their income, with an annual income limit of $75,000 to $85,000. It is important to note that income and asset criteria can vary depending on the specific circumstances and the program within HUSKY Health that an individual is applying for. For specific information on eligibility and benefits, applicants can refer to the Department of Social Services website and the HUSKY Health Member Handbook.
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Deferred Action for Childhood Arrivals (DACA) recipients aren't eligible for regular HUSKY Health programs
The Deferred Action for Childhood Arrivals (DACA) is a program that allows certain people who came to the United States as children to request deferred action for a period of 2 years, subject to renewal. This program does not provide lawful status but does offer a degree of stability and assurance to allow recipients to obtain education and lawful employment. While DACA recipients are deemed "lawfully present" by the United States Congress and the United States Citizenship and Immigration Services (USCIS), they are not eligible for regular HUSKY Health programs, including Medicaid and the Children's Health Insurance Program (CHIP).
The rationale for excluding DACA recipients from regular HUSKY Health programs was initially that considering them eligible for insurance affordability programs was inconsistent with the relief that the DACA policy afforded. However, this rationale has been reassessed, and it has been determined that extending eligibility to these individuals is consistent with the broad aims of the ACA to increase access to health coverage.
As of November 1, 2024, DACA recipients will be considered lawfully present for purposes of applying for Marketplace coverage. This means that they will be included in the definitions of "lawfully present" used to determine eligibility to enroll in a Qualified Health Plan (QHP) through an Exchange, for Advance Payments of the Premium Tax Credit (APTC) and Cost-Sharing Reductions (CSRs), or for a Basic Health Program (BHP).
It is important to note that DACA recipients who are also Connecticut residents can benefit from free legal help provided by CTLawHelp.org to navigate their health insurance options.
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HUSKY Health offers a healthcare benefits package, including dental, specialist visits and behavioural health services
HUSKY Health is a program that includes Medicaid and the Children's Health Insurance Program (CHIP). It is administered by the Connecticut Department of Social Services. HUSKY Health offers a comprehensive healthcare benefits package, including dental, specialist visits, and behavioral health services.
The program covers a wide range of health services, such as preventive care, primary care, hospital care, hospice, and prescription medications. Additionally, it provides non-emergency transportation to healthcare appointments and smoking cessation services, including counseling and medications. For children under 21, the Early and Periodic Screening, Diagnosis, and Treatment (EPSDT) program ensures access to medically necessary services, even if they are not typically covered benefits.
HUSKY Health also offers enhanced services with additional requirements, such as Community First Choice (CFC), available to active Medicaid members who are at risk of institutionalization. Furthermore, Connecticut residents aged 19 to 65 may be eligible for MED-Connect, a program that provides medical assistance to employed individuals with disabilities. These individuals can qualify for full Medicaid/HUSKY coverage while maintaining their employment.
To apply for HUSKY Health, individuals can utilize the online application process or submit applications by mail or in person at any DSS office. The HUSKY Health website provides detailed information on eligibility requirements, and member handbooks are available to outline the specific benefits and services offered by the program.
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Frequently asked questions
HUSKY Health is an insurance program that includes Medicaid and the Children's Health Insurance Program (CHIP). It offers complete health coverage, including preventive and primary care, dental, and more.
HUSKY Health is available to those who are U.S. citizens, naturalized citizens, Lawful Permanent Residents (LPRs), and qualified immigrants. Eligibility is based on assets and incomes and may change depending on which part of Medicaid the person is applying for.
To qualify for HUSKY, you must be a resident of Connecticut and meet the income and asset guidelines. The specific criteria can be found on the Department of Social Services website.
HUSKY Health offers a range of medical coverage, including preventive care, primary care, specialist visits, hospital care, behavioral health services, dental services, hospice, and prescription medications.
