Comprehensive Health Care
HUSKY Health encompasses Medicaid and the Children’s Health Insurance Program and is administered by the Department of Social Services.
HUSKY Health offers medical coverage to eligible children, parents, relative caregivers, elders, individuals with disabilities, adults without dependent children and pregnant women.
The program provides a comprehensive health care benefit package, including preventive care, primary care, specialist visits, hospital care, behavioral health services, dental services, hospice and prescription medications.
Eligibility for HUSKY Health is based on assets and incomes and may vary depending on which component of Medicaid the individual is applying for. The general requirements to apply for HUSKY include being a resident of Connecticut and a U.S. citizen or a qualified immigrant.
Applicants must be able to meet the income guidelines below:
- Children under the age of 19 or in the care or custody of the Department of Children and Families
- Biological or adoptive parents
- Pregnant women
- Caretaker relatives or stepparents, if the eligible child lives with the applicant
- Adults under the age of 26 who were in foster care and on HUSKY Health at age 18 or older
This is the Children’s Health Insurance Program (CHIP). Although a HUSKY program, it is not Medicaid. Applicants under the age of 19, uninsured and in higher-income households may be eligible for HUSKY B. Applicants must be able to meet the income guidelines. Family cost-sharing may apply based on specific income level.
Medicaid coverage under HUSKY C is available for individuals over the age of 65. Individuals between the ages of 18 and 65 and who are blind or have another disability may also qualify. HUSKY C also includes Long-Term Services & Supports and Medicaid for Employees with Disabilities.
Applicants must also meet certain income and asset levels, which vary by geographic area within the State and which part of Husky C they may qualify for.
The components of Husky C may have different income/asset guidelines and for the largest part of HUSKY C, the following are net income limits (after deductions).
|Monthly Income Amount||Region A (Southwestern CT)||Regions B & C (Northern, Eastern & Western CT)|
|Asset Limits (All Regions)||Cost|
Individuals who cannot afford the cost of care, but are over Medicaid’s limits may still qualify. The state has a spend-down program that evaluates an individual’s care costs and their income. If it is calculated that an individual cannot meet their care costs, they can qualify for Medicaid by spending-down their income over the limit on their medically-necessary care costs.
Long-Term Services & Supports (LTSS)
Includes nursing home care and home and community-based services (Medicaid waivers). HUSKY C LTSS requires a five-year income and asset review for individuals that have not been a recipient of a DSS Medicaid program that has an asset test.
Go here for income and asset limits for more information. For single individuals, the income limit is $2,250. The asset limit for single people and married couples is $1,600 and $2,400 respectively.
HUSKY C Medicaid for Employees with Disabilities
Some Connecticut individuals may be eligible for MED-Connect; a medical assistance program for employed individuals with disabilities. Individuals can qualify for full Medicaid/HUSKY coverage while continuing to work.
Some individuals may pay a monthly premium based on his or her income. The income limit for these individuals is $75,000. The asset limit for a single adult is $10,000 and $15,000 for a married couple.
Visit CT.gov for more information and to apply or call 1-800-537-2549 (Toll-Free).
Connecticut residents aged 19 up to 65 may qualify if they:
- Are without dependent children
- Do not qualify for HUSKY A
- Do not receive Medicare and
- Are not pregnant
Types of Services & Supports that can be used for HUSKY Health and Medicaid
Medicaid covers most health care services including:
- Hospital stays
- Nursing home care
- Lab tests and x-rays
- Medical equipment like wheelchairs, eyeglasses, hearing aids
- Most prescription drugs
- Some dental care
- Doctors’ care
- Foreign language interpreter services
- Non-emergency medical transportation
Note that the services listed above aren’t all the services covered by Medicaid. Go to the Benefit Overview to see the comprehensive benefits offered.
Several health care services are covered under Medicaid. For a full list of services covered and detailed explanations, consult the HUSKY Health Member Handbook. Download and/or print the handbook for your reference.
HUSKY Health also includes enhanced services that have additional requirements:
- Community First Choice (CFC) is a benefit offered to active Medicaid members who are at an institutional level of care. If a person qualifies for care in a nursing home or other institutional setting, under the Medicaid benefit, that person also qualifies for CFC services in their home and community. CFC is based on an individual’s need for assistance with Activities of Daily Living (ADL), Instrumental Activities of Daily Living (IADL), and Health-related tasks.
- Home and Community-based Medicaid Waivers help people who are income and functionally eligible, receive long-term Services & Supports in their home.
- Money Follows the Person Program (MFP) is for Medicaid recipients in long-term care facilities – such as nursing homes, hospitals and other qualified institutions. It can help people successfully transition back into the community.
The Department of Social Services offers individuals several ways to apply for Medicaid. Online application is the quickest and most convenient method; however, applications can be mailed in or submitted at any DSS office. For some health coverage, users can apply over the phone. Visit Access Health to apply for or renew health coverage for HUSKY A, B or D. Applicants can apply for HUSKY C online, or complete it in or mail it to any DSS office. Use this list to find a field office near you. Office hours are Monday through Friday between 8:00 a.m. and 4:30 p.m. Download the W-1E Application.
For application instructions for Long-Term Services & Supports, including facility coverage and Home and Community Based Services Medicaid waivers, visit the Long-Term Care “Apply” page.
Visit the Department of Social Services portal for more information and how to apply for any of these programs.