The Healthcare for UninSured Kids and Youth (HUSKY) program is designed by the state of Connecticut to provide health insurance for low-income children under the age of 19 and pregnant women who are uninsured and who meet certain income guidelines. In addition, parents, relatives, foster parents, legal guardian and caregivers can also qualify for HUSKY coverage, depending on the family income.
In order to be eligible for this state health insurance program, children must be under age 19 and reside in Connecticut. Coverage is also available to pregnant women. Parents, relatives, caregivers, foster parents and step parents may apply on behalf of a child. There is no income limit for qualifying for HUSKY and the family income determines whether the child would be eligible for HUSKY Part A or B.
HUSKY A does not have a waiting period. HUSKY B has a 2 month waiting period when a child is coming off a group health insurance plan, unless that coverage terminated due to loss of employment and other special circumstances.
Covered Services and Benefits
HUSKY Plan pays for a comprehensive health care benefits package, including:
Health Plan Options
HUSKY provides health coverage to the uninsured children through HUSKY Part A, HUSKY Part B and HUSKY Plus. HUSKY Part A has similar benefits as of HUSKY Part B, except copayments and premiums. HUSKY Part B offers health coverage to kids who are not eligible to be insured under HUSKY Part A. HUSKY Plus offers supplemental services for children with special needs in physical health care. HUSKY Plus services are available to most children in HUSKY B whose family falls under certain income guidelines. For children in HUSKY A, excellent special needs benefits are also available. When you are accepted into HUSKY, you will be asked to enroll in one of the participating health insurance providers - Aetna Better Health, AmeriChoice by Unitedhealthcare or Community Health Network of Connecticut.
Premium Payments, Co-Payments and Coinsurance
Benefit levels are based on family income that determine if you qualify for HUSKY A or HUSKY B. The HUSKY B plan has no deductible and office visit co-pays at $5. The HUKSY A plan provides the same level of coverage with no co-pays. The family income level determines the monthly premiums required to enroll in the HUSKY B plan.
For HUSKY A, pregnant women, infants, and children up to the age 19 under the 185% FPL are eligible for the plan.
For HUSKY Part B, families with household incomes between 185% and 235% of federal poverty level would make maximum copayment of $760 per year. No premiums are charged. Families with household incomes between 235% and 300% of federal poverty level are required to the combination maximum of co-payments and premiums of $1,360 per family, per year. Lastly, families with household incomes above 300% of the federal poverty level buy the plan at the negotiated group rate with no maximum limit for copayments and premiums.
Program Length, Enrollment and Renewal
HUSKY plans have a one year enrollment periods. Participants are subject to an eligibility review every 12 months and must complete an eligibility review application each year in order to determine which plan option they qualify for and make sure they still meet all other requirements.
P.O. Box 280747
East Hartford, CT 06108
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