Connecticut CHIP, also referred to the HUSKY Health program, is a health insurance program that is nationally recognized and provides to health coverage to children within the state. Due to household income, these children may not qualify for Medicaid even though the family income is too low to afford private insurance. This provides qualifying children with comprehensive health care benefits where these benefits would not otherwise be available. While the HUSKY Health program encompasses both the state CHIP and Medicaid program benefits, though the two programs are not the same.
The CHIP insurance program has a number of factors that affect a child’s eligibility for the program, including age, income, residency, citizenship and circumstantial requirements. By reviewing further information about each of these requirements, you will receive a better idea of whether or not your child may qualify for health insurance coverage. After reviewing the eligibility requirements, it is worth knowing that there are numerous ways that you can apply for benefits, including online, in person and by mail.
What is CHIP in Connecticut?
CHIP Medicaid, also known as the HUSKY B Health program in Connecticut, provides health insurance coverage to qualifying children that may not otherwise have access to affordable health care. CHIP is nationally recognized and funded by both the state and federal government. While this program exists within every state in the country, each state has a great amount of decision over the state’s version of the program, including certain benefits of health coverage that is offered by the program.
The Connecticut CHIP insurance program provides numerous coverage related benefits to qualifying children. Therefore, it is important to review the benefits that the program provides, how long children can receive coverage within the state and the eligibility requirements that must be met in order to qualify for the HUSKY Health program.
Who does CHIP in Connecticut cover?
Before you apply for health insurance for kids in Connecticut, you are strongly encouraged to review the program’s eligibility requirements. By doing so, you will be better prepared for the application process and you will gain a better understanding as to whether or not your child may qualify for coverage. CHIP eligibility focuses on a number of factors, such as residency, citizenship, circumstance and income related requirements. In order to potentially qualify, children must be residents of Connecticut and either a legal immigrant or a U.S. citizen.
A CHIP application should only be submitted if your child is living with you and is under the age of 19. Children who are 18 years of age must be lawful residents. The child must not be eligible for Medicaid and must not have any other form of health insurance in order to be eligible for the HUSKY Health program.
Whether or not a child health insurance plan can be obtained will also depend on family income. These income limits are determined by household size and are higher than the state Medicaid program limits. Therefore, it is worth submitting an application, even if you have been previously denied for Medicaid. Not only will income levels determine whether or not a child is eligible, but the out of pocket amount that a family may be required to pay. You can learn more about CHIP eligibility by clicking here to download our comprehensive guide.
How to Apply for CHIP in Connecticut
In Connecticut, you can apply for CHIP benefits online, in person or by mail. By submitting a CHIP application online, you can enjoy an added level of convenience as you need not worry about office hours or postage times. An online application can typically be completed within 30 minutes from the comfort of your own home. Connecticut also offers a by-phone application method. Alternatively, you can obtain an application online or at various hospitals and physician locations in order to submit an application by mail. Should you choose to mail your completed application, it is worth knowing that your application may have a delay in processing due to postage times. Lastly, you may also submit an application in person with your local office.
What is included with Connecticut CHIP coverage?
If approved for CHIP coverage in Connecticut, your child will receive a comprehensive health care benefit package. Basic benefits for Husky Health members include, but are not limited to:
- Preventative care.
- Visits with a physician.
- Women’s health care.
- Family planning services.
- Emergency services.
- Laboratory tests, x-rays and radiology services.
- Vision care.
- Dental services.
- Behavioral health services.
- Prescription drugs.
While CHIP exists nationally, it is worth knowing that each state has a great deal of say over its own state program. Therefore, CHIP coverage is different in Connecticut than what you might find in another state. Therefore, it is important to review your CHIP benefits coverage information carefully, even if you have been previously familiar with another state program.
How much is CHIP health insurance in Connecticut?
With Connecticut CHIP insurance, families are provided an opportunity to obtain affordable health care for children. When submitting your initial application to your local office, the amount of money that you will be expected to pay out of pocket for your child’s insurance will be assessed alongside your eligibility as cost sharing amounts will be determined by income level.
Therefore, it is important to contact your CHIP office should your circumstances change while your child is receiving coverage, such as a loss in income or a change to your household size. It is also worth knowing that costs for HUSKY Health are limited to an approximate maximum of 5 percent of your family’s annual gross income each year.
How long do CHIP benefits last in Connecticut?
Connecticut CHIP benefits are initially provided for a period of 12 months that begin from the date that an application has been received. If your child is approved for benefits, you can begin using benefits immediately from the point that your child has been approved. In some cases, coverage may end prior to the end of the 12-month period, such as if the child turns 19 or moves outside of the state.
Prior to the end of CHIP insurance beneficiary periods, you will receive a notice from your local office asking you to renew coverage if you would like to retain benefits. It is very important that you complete the renewal application that is sent to you and return it to your local office in a timely manner in order to avoid any lapse in your child’s coverage. If your child is still eligible to receive benefits, your local office will extend your child’s coverage for an additional 12 months after receiving your renewal application. To learn more about maintaining CHIP benefits, click here to download our comprehensive guide today.