Healthcare Assistance for Single Mothers in Connecticut
Healthcare Assistance for Single Mothers in Connecticut: Medicaid, CHIP & More [2025]
Last updated: September 2025
This is a practical, no‑fluff guide to getting health coverage and care in Connecticut if you’re a single mom. It covers HUSKY Health (Medicaid/CHIP), Covered Connecticut, dental, mental health, transportation, cancer screening, WIC, and clinic options—with exact 2025 income limits, costs, phone numbers, and timelines. Sources are official state/federal websites, linked throughout.
Quick Help Box
- Call HUSKY/Medicaid/CHIP (A, B, D) enrollment help at 1‑855‑805‑4325 for immediate eligibility screening and application help. Live chat and in‑person help available year‑round. See: Access Health CT — Get Help. (accesshealthct.com)
- If your income is too high for Medicaid but under Covered CT limits, you may get a 0premiumSilverplanwith0 premium Silver plan with 0 deductibles/co‑pays. Check Covered CT now: Covered Connecticut Program. (portal.ct.gov)
- Pregnant and uninsured (including if immigration status limits you)? Apply by phone now at 1‑855‑805‑4325 for HUSKY prenatal coverage; postpartum coverage lasts 12 months. See: New Prenatal Coverage & Extended Postpartum Coverage. (portal.ct.gov)
- Need a ride to the doctor, dentist, or therapist? HUSKY and Covered CT rides are booked through the state’s NEMT broker at 1‑855‑478‑7350 (call at least 48 business hours ahead; 7–10 business days for public transit passes). See: DSS Non‑Emergency Medical Transportation and Covered CT — NEMT. (portal.ct.gov)
- Dental help (find a dentist who takes HUSKY/Covered CT): 1‑855‑CT‑DENTAL (1‑855‑283‑3682) or search: CT Dental Health Partnership — Find a Dentist. (ctdhp.org)
- Mental health or substance use help under HUSKY: call the CT Behavioral Health Partnership at 1‑877‑552‑8247 or dial 2‑1‑1 and press 1 for Mobile Crisis (24/7 for kids; adults routed to crisis supports). See: CT BHP and 211 Crisis Lines. (huskyhealthct.org, uwc.211ct.org)
- WIC (food + breastfeeding support) for pregnant/postpartum moms and kids under 5: apply online or call 860‑509‑8084 or 1‑800‑741‑2142. Income limit = 185% FPL (see table below). Start here: CT DPH WIC — How to Apply. (portal.ct.gov, fns-prod.azureedge.us)
Quick Reference Cheat Sheet (Where to start)
| Need | Best first step | Phone | Where to apply |
|---|---|---|---|
| HUSKY A (kids, parents/caretakers), HUSKY B (CHIP), HUSKY D (low‑income adults) | Call to screen/apply same day | 1‑855‑805‑4325 (TTY 1‑855‑789‑2428) | Access Health CT – Apply (accesshealthct.com) |
| Covered Connecticut (0premiumSilverplanwith0 premium Silver plan with 0 cost‑sharing) | Check eligibility (≤175% FPL) | — | DSS — Covered CT (portal.ct.gov) |
| Non‑Emergency Medical Transportation (HUSKY/Covered CT) | Book rides 48 business hours ahead | 1‑855‑478‑7350 | DSS NEMT (portal.ct.gov) |
| Dental (HUSKY/Covered CT) | Find a dentist, get help scheduling | 1‑855‑283‑3682 | CTDHP — Find a Dentist (ctdhp.org) |
| Mental/behavioral health | HUSKY BH questions | 1‑877‑552‑8247 | CT BHP (huskyhealthct.org) |
| WIC | Apply | 860‑509‑8084 / 1‑800‑741‑2142 | CT DPH WIC — How to Apply (portal.ct.gov) |
| Find a health center (sliding fees) | Search statewide FQHCs | — | CHCACT — Find a Health Center (cthealthcenters.org) |
What programs cover single mothers in Connecticut?
Here are the main routes to coverage, with 2025 income limits, costs, and what they pay for.
Table: 2025 HUSKY Health Monthly Income Limits (effective March 1, 2025)
Notes:
- The figures below come from Connecticut’s official HUSKY monthly income chart. “Under” means less than or equal to the amount listed. “Over…to…” indicates the income band for CHIP (HUSKY B). Full chart link included. (portal.ct.gov)
| Category | Family Size | Monthly income |
|---|---|---|
| HUSKY A — Parents/Caretaker Relatives (138% FPL) | 2 | $2,433 or less |
| 3 | $3,065 or less | |
| 4 | $3,698 or less | |
| HUSKY A — Children 0–18 (Medicaid) or State HUSKY A 0–15 (regardless of immigration status; if enrolled before 16, stays through 18) | 1 | $2,622 or less |
| 2 | $3,543 or less | |
| 3 | $4,464 or less | |
| 4 | $5,386 or less | |
| HUSKY A — Pregnant Individuals (unborn counts in family size) | 1 | $4,636 or less |
| 2 | $5,841 or less | |
| 3 | $7,047 or less | |
| 4 | $8,252 or less | |
| HUSKY D — Low‑Income Adults (19–64, no Medicare, not pregnant, no dependent child at home) | 1 | $1,800 or less |
| 2 | $2,433 or less | |
| 3 | $3,065 or less | |
| 4 | $3,698 or less | |
| HUSKY B (CHIP) — Band 1 | 1 | Over 2,623to2,623 to 3,313 |
| 2 | Over 3,544to3,544 to 4,477 | |
| 3 | Over 4,465to4,465 to 5,641 | |
| 4 | Over 5,387to5,387 to 6,806 | |
| HUSKY B (CHIP) — Band 2 | 1 | Over 3,314to3,314 to 4,213 |
| 2 | Over 4,478to4,478 to 5,693 | |
| 3 | Over 5,642to5,642 to 7,174 | |
| 4 | Over 6,807to6,807 to 8,654 |
- Full monthly chart: HUSKY Monthly Income Chart (effective March 1, 2025) — PDF. (portal.ct.gov)
- Full annual chart: HUSKY Annual Income Chart (effective March 1, 2025) — PDF. (portal.ct.gov)
Reality check:
- As of October 1, 2024, CT set the HUSKY A limit for parents/caretakers at 138% FPL. Those over the new limit (with earnings or alimony) may get up to 12 months of Transitional/Extended Medical Assistance (TMA/EMA). (portal.ct.gov)
- Children have 12 months of continuous coverage in Medicaid/CHIP even if income fluctuates, per federal law effective Jan 1, 2024. (medicaid.gov)
HUSKY A (Medicaid) for Parents/Caretaker Relatives
Most important action: apply through Access Health CT right away by calling 1‑855‑805‑4325 or apply online. If your income is near the limit, let them decide—you might still qualify. Apply at Access Health CT. (accesshealthct.com)
- Who qualifies: Connecticut parents/caretakers with a child under 19 in the home and income at or below 138% FPL (see table above). Coverage is comprehensive—doctor visits, hospital care, prescriptions, dental (through CTDHP), vision, behavioral health, and rides to appointments (NEMT). (portal.ct.gov)
- Costs: No monthly premiums, and Medicaid cost‑sharing is minimal for covered services. Dental for adults is covered under HUSKY through the CT Dental Health Partnership—call 1‑855‑283‑3682 for help finding a dentist. (ctdhp.org)
- How to apply:
- Online/phone/in‑person via Access Health CT. Phone: 1‑855‑805‑4325 (TTY 1‑855‑789‑2428). (accesshealthct.com)
- Required documents: ID, SSN if available, proof of CT address, household size, and income (pay stubs or employer letter if asked). If something is missing, submit what you have and follow up—don’t delay the initial application. (portal.ct.gov)
- Expected timeline: Federal rules require a decision within 45 days for most Medicaid applicants (90 days if disability is involved). (law.cornell.edu)
- If you’re slightly over: If you recently went over the new parent limit and you have job income or alimony, you may get up to 12 months of HUSKY A TMA/EMA as long as a child under 19 lives with you. (portal.ct.gov)
- Real‑world example: A single mom with two kids and monthly earnings of 3,000∗∗( 1383,000** (~138% FPL for 3 is **3,065) qualifies for HUSKY A. If she takes extra hours and hits $3,150, she should still report it; if she had HUSKY A already, TMA can extend coverage up to a year while she transitions. (portal.ct.gov)
What to do if this doesn’t work:
- If you’re over income for HUSKY A but below 175% FPL, check Covered CT for 0premium/0 premium/0 cost‑share coverage (details below). (portal.ct.gov)
Pregnant? Prenatal & 12‑Month Postpartum Coverage (HUSKY A; plus options if immigration status limits Medicaid)
Most important action: apply by phone at 1‑855‑805‑4325—phone applications can get decisions faster. See: CT HUSKY — Prenatal & 12‑Month Postpartum. (portal.ct.gov)
- Income limits (monthly, effective 3/1/2025): 4,636∗∗(1),∗∗4,636** (1), **5,841 (2), 7,047∗∗(3),∗∗7,047** (3), **8,252 (4). Unborn counts as a family member. Postpartum coverage lasts 12 months. (portal.ct.gov)
- If you can’t get Medicaid due to immigration status: Connecticut covers prenatal care and 12‑month postpartum via CHIP pathways. For children, Connecticut also funds “State HUSKY A/B” for ages 0–15 regardless of immigration status (if enrolled before 16, coverage can continue through age 18). Apply through Access Health CT. (portal.ct.gov)
- Transportation: book rides at 1‑855‑478‑7350 (48 business hours ahead). (portal.ct.gov)
- Timeline: apply now; decisions follow general 45‑day Medicaid timeliness rules, but phone applications and hospital/clinic help can speed things up. (law.cornell.edu)
What to do if this doesn’t work:
- If you’re over income for HUSKY during pregnancy but under Covered CT limits, Covered CT may provide $0‑cost marketplace coverage (see below). (portal.ct.gov)
HUSKY B (CHIP) for Children
Most important action: if your kids are uninsured and your income is above HUSKY A levels, check HUSKY B Band 1 or Band 2. Apply through Access Health CT: 1‑855‑805‑4325. (portal.ct.gov)
- Income bands (monthly): see table above. Band 1 has no monthly premium; Band 2 has a small monthly premium. (portal.ct.gov)
- 2025 premiums & typical co‑pays (per the official HUSKY B Member Handbook, revised 11/15/2024):
Table: HUSKY B Premiums and Common Co‑pays (Band 1/2)
| Item | Amount |
|---|---|
| Band 1 monthly premium | $0 |
| Band 2 monthly premium | 30∗∗(onechild)/∗∗30** (one child) / **50 (two or more) |
| Non‑preventive sick visit (office) | $10 co‑pay |
| Specialist visit | $10 co‑pay |
| Urgent care visit | $10 co‑pay |
| Generic Rx / Brand‑name Rx | 5∗∗/∗∗5** / **10 co‑pay |
| Preventive visits, vaccines, labs, maternity | $0 co‑pay |
| Dental preventive services | $0 co‑pay (braces have fixed allowance) |
Source: HUSKY B Member Handbook (updated 11/15/2024) — PDF. (huskyhealthct.org)
- HUSKY Plus for children with special health needs: “wrap‑around” services beyond standard CHIP (e.g., extra therapy, some supplies). No co‑pays/deductibles for HUSKY Plus services. Call HUSKY Member Engagement 1‑800‑859‑9889 for help. (portal.ct.gov)
- Dental: Covered through CTDHP; call 1‑855‑283‑3682 for a pediatric dentist close to you (they can help schedule). (ctdhp.org)
- Continuous coverage: children get 12 months of continuous coverage in Medicaid/CHIP even if income changes. (medicaid.gov)
What to do if this doesn’t work:
- If your child is 0–15 and ineligible due to immigration status, ask about “State HUSKY A/B for Children.” (portal.ct.gov)
HUSKY D (Adults 19–64, no Medicare, no dependent child in household)
Most important action: if your youngest turned 19 or you don’t have a child at home, and your income is low, check HUSKY D.
- Income limits (monthly): 1,800∗∗(1),∗∗1,800** (1), **2,433 (2), 3,065∗∗(3),∗∗3,065** (3), **3,698 (4). No asset test. Apply via Access Health CT (1‑855‑805‑4325). (portal.ct.gov)
- Benefits: comprehensive Medicaid coverage, including dental via CTDHP and non‑emergency medical transportation. (portal.ct.gov)
What to do if this doesn’t work:
- If you’re over income for HUSKY D but your household is at or below 175% FPL, check Covered CT (below). (portal.ct.gov)
Covered Connecticut (state‑paid 0premium/0 premium/0 cost‑sharing Marketplace coverage)
Most important action: if your income is too high for HUSKY but at or below 175% FPL, enroll in a Silver plan with 0monthlypremiumand∗∗0 monthly premium and **0** deductibles, co‑pays, and coinsurance; dental and NEMT included. You can enroll year‑round once you qualify. (portal.ct.gov, agency.accesshealthct.com)
- 2025 income limits (175% FPL):
Table: Covered CT 2025 Income Limits
| Household size | Max annual income |
|---|---|
| 1 | $26,355 |
| 2 | $35,770 |
| 3 | $45,185 |
| 4 | $54,600 |
Source: Covered CT — DSS. Coverage starts the 1st of the month after you enroll. (portal.ct.gov)
- How to apply: Start at Access Health CT or call 1‑855‑805‑4325. Pick a Silver plan and accept 100% of your APTC/CSR. (accesshealthct.com)
- Transportation: Book rides at 1‑855‑478‑7350, 48 business hours ahead (public transit requires 7–10 business days). (portal.ct.gov)
- Open Enrollment vs. Special Enrollment: Marketplace Open Enrollment for 2025 ran Nov 1, 2024—Jan 15, 2025, but Covered CT eligible residents can enroll any time; there’s also a Special Enrollment Period for lower income residents and for qualifying life events (60‑day window). (agency.accesshealthct.com, accesshealthct.com)
What to do if this doesn’t work:
- If you’re over 175% FPL, apply for a regular subsidized Marketplace plan. Access Health CT can help you find the lowest‑cost option; in most years ~90% of enrollees receive some financial help. (agency.accesshealthct.com)
Rides to Appointments (NEMT)
Most important action: if you have HUSKY A/C/D or Covered CT and no way to get to a covered appointment, call the NEMT broker at 1‑855‑478‑7350. Book at least 48 business hours ahead; public transit passes require 7–10 business days. (portal.ct.gov)
- What’s covered: trips to the closest appropriate in‑network provider by bus pass, sedan, wheelchair van, or mileage reimbursement (check plan for details). Not for on‑demand urgent rides—call 911 for emergencies. (portal.ct.gov)
- Tip: Have your provider’s name, address, appointment date/time, and medical ID ready before calling. If your driver is late, call the same number for help. (mtm-inc.net)
What to do if this doesn’t work:
- Ask your clinic if they can switch your visit to telehealth or help with a same‑day urgent care time that better matches ride availability. If rides keep falling through, report issues to MTM/CT at the ride number above and note the trip ID. (mtm-inc.net)
Dental Care (HUSKY and Covered CT)
- Find a dentist or get help booking: 1‑855‑CT‑DENTAL (1‑855‑283‑3682) or search the statewide directory. CTDHP — Find a Dentist. (ctdhp.org)
- Benefits: HUSKY and Covered CT include medically necessary dental; covered services for adults and kids include exams, cleanings, X‑rays, fillings, root canals, dentures, and more. Some items require prior authorization. (ctdhp.org)
- HUSKY B dental: preventive care is $0; some services have co‑insurance (e.g., orthodontia allowance; some oral surgery coinsurance). See the HUSKY B Handbook for specifics. (huskyhealthct.org)
What to do if this doesn’t work:
- If you can’t find a dentist taking new patients, call CTDHP. They will help you locate a provider and can assist with scheduling. (ctdhp.org)
Mental Health & Substance Use Care
- HUSKY (all categories): behavioral health is covered through the CT Behavioral Health Partnership. For benefit help, call 1‑877‑552‑8247 or visit the member contact page. (huskyhealthct.org)
- 24/7 help for kids in crisis: dial 2‑1‑1 and press 1 for Mobile Crisis. Clinicians can come to your home/school, often within 45 minutes; short‑term stabilization and linkage to care for up to six weeks. Adults can also access crisis supports via 211/ACTION Line. (uwc.211ct.org, portal.ct.gov)
- School‑Based Health Centers: many CT schools host clinics where students can get primary and behavioral health care; contact your district or the state association for locations. CT Association of School‑Based Health Centers. (ctschoolhealth.org)
What to do if this doesn’t work:
- If providers are booked out, ask your health center about group therapy, telehealth slots, or SBHC appointments that open sooner. CHC/FQHCs often have sliding‑fee counseling if you’re uninsured. Use the statewide finder: Find a CT Health Center. (cthealthcenters.org)
Free Cancer Screening and Treatment Pathways
- Screening (ages 21–64, income ≤250% FPL): The Connecticut Breast and Cervical Cancer Early Detection Program offers free mammograms, Pap/HPV tests, diagnostic follow‑up, and referrals statewide. Call DPH at 860‑509‑7804 or contact a local program site (list on page). Start here: CBCCEDP. (portal.ct.gov)
- If diagnosed: Medicaid for Breast and Cervical Cancer (MBCC) can provide full HUSKY coverage if you need treatment, are under age 65, uninsured, and meet program rules (generally ≤250% FPL, no creditable insurance). See: HUSKY Coverage for Breast and Cervical Cancer. Local contacts listed on the “Contact” tab. (portal.ct.gov)
What to do if this doesn’t work:
- If you don’t qualify for the program, ask the hospital about its Financial Assistance Policy and “Hospital Bed Funds.” CT law requires hospitals to post and administer bed funds and charity care options—ask at admissions or patient accounts. (law.justia.com, portal.ct.gov)
WIC (Women, Infants, and Children) — Nutrition Support
- Who qualifies: pregnant, postpartum, or breastfeeding women; infants; and children under 5; income ≤ 185% FPL (see 2025/26 limits below); nutrition risk assessed at certification. Apply online or by phone: 860‑509‑8084 or 1‑800‑741‑2142. (portal.ct.gov, fns-prod.azureedge.us)
Table: WIC Income Limits (effective July 1, 2025 – June 30, 2026; 185% FPL)
| Household size | Annual | Monthly | Weekly |
|---|---|---|---|
| 1 | $28,953 | $2,413 | $557 |
| 2 | $39,128 | $3,261 | $753 |
| 3 | $49,303 | $4,109 | $949 |
| 4 | $59,478 | $4,957 | $1,144 |
Source: USDA/FNS Federal Register Notice (Mar 10, 2025). (federalregister.gov)
What to do if this doesn’t work:
- If you’re just over income, still call—WIC can sometimes use adjunctive eligibility (if you or your child is on Medicaid/SNAP/TANF) and can advise on community food resources while you appeal. (portal.ct.gov)
Community Health Centers (FQHCs) and School‑Based Health Centers
- FQHCs offer primary care, OB/GYN, pediatrics, dental, behavioral health, and pharmacy on a sliding fee scale; they accept HUSKY/Covered CT and uninsured patients. Find one near you: CHCACT — Find a Health Center. (cthealthcenters.org)
- School‑Based Health Centers operate in many districts and provide on‑site care for students (some sites also serve families). Contact the CT Association of School‑Based Health Centers. (ctschoolhealth.org)
What to do if this doesn’t work:
- If your local clinic is full, ask the front desk to check other sites in their network or the nearest FQHC. Many centers can offer telehealth or evening hours. (cthealthcenters.org)
Eligibility Rules, How to Apply, Required Documents, and Timelines
- Where to apply for HUSKY A/B/D (and Covered CT): Access Health CT, 1‑855‑805‑4325 (TTY 1‑855‑789‑2428). HUSKY C (aged/blind/disabled) uses ConneCT (ConneCT Portal). (accesshealthct.com, connect.ct.gov)
- Required documents (typical): ID; proof of CT address; household members; income (pay stubs/employer letter); immigration status if applicable (not required for State HUSKY Children 0–15). Submit what you have and add later if asked. (portal.ct.gov)
- Timelines: Medicaid decisions within 45 days (90 if disability is the basis). Marketplace coverage start dates depend on when you enroll; for example, Covered CT starts the 1st of the month after enrollment. (law.cornell.edu, agency.accesshealthct.com)
- Don’t forget to update your address/phone so you get renewal notices. CT encourages members to keep contact info current. (portal.ct.gov)
Application Checklist
Bring or upload clear photos/scans if applying online/phone. If you’re missing something, apply anyway and submit follow‑ups within deadlines.
- Photo ID (you and kids 16+) and birth certificates (if available).
- Social Security numbers (if available).
- Proof of CT address (lease, utility bill, mailed letter).
- Income proof: last 4–6 weeks of pay stubs or employer letter; proof of self‑employment income; unemployment/benefit award letters.
- Pregnancy verification (if pregnant).
- Any current insurance info (policy number, end date if losing coverage).
- For State HUSKY Children (0–15 regardless of immigration status), you won’t be asked for immigration papers for the child. (portal.ct.gov)
Common Mistakes to Avoid
- Missing document deadlines. Access Health CT now generally allows 90 days to verify income (was 150); watch your notices and upload on time. (accesshealthct.com)
- Not reporting address/phone changes (you can miss renewal mail). Update promptly. (portal.ct.gov)
- Assuming you’re “over income” without checking. The HUSKY charts apply disregards and vary by category; Covered CT goes up to 175% FPL with $0 cost‑sharing.
- Skipping HUSKY B due to premiums. Band 1 is 0premium;Band2premiumsare∗∗0 premium; Band 2 premiums are **30**/$50 with modest co‑pays; out‑of‑pocket is capped at 5% of income per year. (huskyhealthct.org)
- Not booking rides early. Call 1‑855‑478‑7350 at least 48 business hours ahead (7–10 business days for bus passes). (portal.ct.gov)
- Not using SBHCs/clinics when you can’t get in with your PCP. Many offer same‑week visits or telehealth with sliding fees. (cthealthcenters.org)
Plan B if things go sideways:
- If a decision is delayed beyond federal timelines, call the HUSKY member line 1‑800‑859‑9889 to check status or contact the DSS Client Information Line 1‑855‑626‑6632. (huskyhealthct.org)
Diverse Communities: Targeted Tips
- LGBTQ+ single mothers: When you call Access Health CT (1‑855‑805‑4325), ask for an enrollment assister who can help you select inclusive primary care and OB/GYN practices; many FQHCs explicitly provide LGBTQ‑affirming care. Use the CHCACT health center finder. (cthealthcenters.org)
- Single mothers with disabilities or disabled children: If you work and have a disability, CT’s MED‑Connect lets you keep Medicaid with earnings up to 85,000/year∗∗andhigherassetlimits(∗∗85,000/year** and higher asset limits (**20,000 single; $30,000 couple). Kids with significant needs may qualify for HUSKY Plus services. (portal.ct.gov)
- Veteran single mothers: You can enroll kids in HUSKY even if you use VA care; coverage can coordinate with VA services. For marketplace help, use Access Health CT to compare your options. (accesshealthct.com)
- Immigrant/refugee single moms: Children ages 0–15 can get State HUSKY A/B regardless of immigration status (continue through 18 if enrolled before 16). Pregnant individuals can get prenatal coverage and 12‑month postpartum care even if not Medicaid‑eligible due to status. Apply by phone for fastest decisions. (portal.ct.gov)
- Tribal citizens (AI/AN): You can enroll in marketplace coverage any time of year and may qualify for special cost‑sharing protections. Access Health CT confirms year‑round enrollment for AI/AN. (help.accesshealthct.com)
- Rural single moms: Use NEMT for rides (book early) and ask clinics about telehealth; many FQHCs offer extended hours and mobile units. (portal.ct.gov, cthealthcenters.org)
- Single fathers: All the same income limits and benefits apply—HUSKY looks at household size and income, not gender.
- Language access: Access Health CT and HUSKY both provide multilingual assistance and TTY/relay lines. (accesshealthct.com)
Resources by Region (How to find local help fast)
- Access Health CT (enrollment help statewide): 1‑855‑805‑4325; live chat and navigator sites year‑round. Get Help. (accesshealthct.com)
- DSS Client Information Line & Benefits Center (statewide help): 1‑855‑6‑CONNECT (1‑855‑626‑6632). Field office locations: DSS Field Offices. (portal.ct.gov)
- HUSKY Member Services (benefits questions): 1‑800‑859‑9889. (huskyhealthct.org)
- CT Dental Health Partnership: 1‑855‑283‑3682. Find a Dentist. (ctdhp.org)
- NEMT Rides: 1‑855‑478‑7350. (portal.ct.gov)
- Breast & Cervical Cancer screening sites: contact DPH at 860‑509‑7804 or see the location list on the CBCCEDP page. (portal.ct.gov)
- 2‑1‑1 (United Way): health, mental health, housing, and benefits navigation; 24/7 with language access. (uwc.211ct.org)
- Find a community health center near you (statewide map and phone numbers): CHCACT — Find a Health Center. (cthealthcenters.org)
Timelines & What to Expect
Table: Typical Processing & Start Dates
| Program | Processing/Decision | Coverage Start |
|---|---|---|
| HUSKY (Medicaid/CHIP) | Within 45 days (90 if disability basis), per federal standards. | Retroactive eligibility may apply; otherwise, typically date of application/approval. (law.cornell.edu) |
| Covered Connecticut | Eligibility determined via Access Health CT; enroll any time once eligible. | First of the month after plan selection (e.g., enroll July 5 → starts Aug 1). (agency.accesshealthct.com) |
| Marketplace Open Enrollment (non‑Covered CT) | Annual window; SEPs for qualifying events or lower income. | Based on enrollment date rules; varies. (agency.accesshealthct.com, accesshealthct.com) |
| NEMT ride bookings | Call 48 business hours ahead (7–10 business days for public transit passes). | Ride day; must be to closest appropriate provider. (portal.ct.gov) |
Real‑World Examples
- You make 3,000/month∗∗andhavetwokids.HUSKYAparentlimitfora3‑personfamilyis∗∗3,000/month** and have two kids. HUSKY A parent limit for a 3‑person family is **3,065/month, so you qualify. If your hours go up and you exceed the limit, report it—TMA may extend your HUSKY A up to 12 months. (portal.ct.gov)
- Your 7‑year‑old is uninsured and your 3‑person household makes 4,200/month∗∗.That’saboveHUSKYAchildlimit(∗∗4,200/month**. That’s above HUSKY A child limit (**4,464), but within HUSKY B Band 1 (over 4,465to4,465 to 5,641)? Actually, 4,200fallsunderHUSKYAchildlimit,soyourchildlikelyqualifiesforHUSKYA(nopremiums).Ifyouwereat∗∗4,200 falls under HUSKY A child limit, so your child likely qualifies for HUSKY A (no premiums). If you were at **4,800/month**, then HUSKY B Band 1 would apply (no monthly premium; small co‑pays). (portal.ct.gov)
- You’re pregnant, family of 2 with 5,700/month∗∗income.HUSKYApregnancylimitfor2is∗∗5,700/month** income. HUSKY A pregnancy limit for 2 is **5,841—you likely qualify; you’ll also get 12 months postpartum coverage. (portal.ct.gov)
- You have no kids in the home and earn 2,100/month∗∗.That’soverHUSKYD’s1‑personlimit(∗∗2,100/month**. That’s over HUSKY D’s 1‑person limit (**1,800) but under Covered CT’s 1‑person limit (26,355/year≈26,355/year ≈ 2,196/month). You may qualify for Covered CT ($0 premium/cost‑share). (portal.ct.gov)
10 Connecticut‑Specific FAQs
- Do children keep coverage if my income changes during the year?
Yes. Federal law requires 12 months of continuous coverage for kids under 19 in Medicaid/CHIP starting Jan 1, 2024. (medicaid.gov) - What are the 2025 HUSKY B premiums?
Band 1: 0∗∗.Band2:∗∗0**. Band 2: **30 (one child) / $50 (two or more). Co‑pays apply as listed in the HUSKY B Handbook. (huskyhealthct.org) - What’s the 2025 HUSKY A income limit for pregnant individuals?
Monthly: 4,636∗∗(1),∗∗4,636** (1), **5,841 (2), 7,047∗∗(3),∗∗7,047** (3), **8,252 (4). Unborn counts in family size. (portal.ct.gov) - I’m a parent. What’s the 2025 HUSKY A income limit?
For a household of 3, 3,065/month∗∗;of4,∗∗3,065/month**; of 4, **3,698/month. (portal.ct.gov) - My immigration status prevents me from Medicaid. Can my child get coverage?
Yes. State HUSKY A/B covers uninsured children ages 0–15 (through age 18 if enrolled before 16) up to the listed income levels. Apply via Access Health CT. (portal.ct.gov) - How do I get rides to appointments?
Call 1‑855‑478‑7350 at least 48 business hours before the appointment (7–10 business days for public transit). (portal.ct.gov) - Is dental included?
Yes. HUSKY and Covered CT include dental. To find a dentist, call 1‑855‑283‑3682 or use the CTDHP search tool. (ctdhp.org) - How long will a Medicaid decision take?
Federal standards: 45 days (90 days if disability is the basis). (law.cornell.edu) - What if I’m over income for HUSKY but under 175% FPL?
Check Covered CT for 0‑premium,0‑premium, 0‑cost sharing Silver coverage; dental and NEMT included. (portal.ct.gov) - Where do I get free mammograms/Pap tests if I’m uninsured?
Call DPH at 860‑509‑7804 for the CBCCEDP program or contact a local program site listed on the state page. (portal.ct.gov)
Quick Reference Tables You Can Screenshot
Table: Where to Apply (with contacts)
| Program | Apply here | Phone |
|---|---|---|
| HUSKY A/B/D | Access Health CT — Apply | 1‑855‑805‑4325 (TTY 1‑855‑789‑2428) (accesshealthct.com) |
| Covered Connecticut | Covered CT — Overview | via Access Health CT (portal.ct.gov) |
| WIC | CT DPH WIC — How to Apply | 860‑509‑8084 / 1‑800‑741‑2142 (portal.ct.gov) |
| Dental (HUSKY/Covered CT) | CTDHP — Find a Dentist | 1‑855‑283‑3682 (ctdhp.org) |
| NEMT (rides) | DSS NEMT info | 1‑855‑478‑7350 (portal.ct.gov) |
| Behavioral Health | HUSKY — Contact Us | 1‑877‑552‑8247 (CT BHP) (huskyhealthct.org) |
What to do if a hospital bill is unaffordable
- Ask the hospital’s billing office about its Financial Assistance Policy (FAP) and “Hospital Bed Funds.” CT law requires hospitals with bed funds to clearly post and provide applications; collection agents must include summaries with bills. This is separate from HUSKY/Medicaid and can reduce or eliminate bills. (law.justia.com)
- The Office of Health Strategy receives charity care and bed fund reporting; you can reference their reporting pages if you run into barriers. (portal.ct.gov)
Plan B:
- If you’re eligible for HUSKY or Covered CT now, ask the hospital financial counselor to help you apply; Medicaid may cover some recent bills retroactively.
About renewals and continuous coverage for kids
- Kids in HUSKY A/B now get 12 months of continuous coverage under federal law. You still must respond to renewal notices, but month‑to‑month income swings shouldn’t cut off a child mid‑year. (medicaid.gov)
About This Guide
Compiled by the ASingleMother.org Editorial Team
This guide uses official sources from Connecticut Department of Social Services (DSS), Access Health CT, CT Department of Public Health, CMS/Medicaid, and established nonprofits. It follows our Editorial Standards on source verification, accuracy, and timely updates. This guide is independent and not a substitute for agency guidance; individual outcomes vary. Last verified September 2025; next full review April 2026. Please send corrections to info@asinglemother.org. (portal.ct.gov)
Disclaimer
Program rules, income limits, premiums, co‑pays, and timelines can change. Always verify with the relevant agency before making decisions. We link to official pages and provide phone numbers so you can confirm the latest details. Health content in this guide is informational and not medical advice. For emergencies, call 911. We take site security seriously and do not request sensitive information through this guide. Always submit documents only through official portals or in person at authorized offices.
Sources (selected)
- HUSKY monthly/annual income charts (effective March 1, 2025): [Monthly PDF], [Annual PDF]. (portal.ct.gov)
- Access Health CT — enrollment help, open enrollment dates, SEPs. (accesshealthct.com, agency.accesshealthct.com)
- HUSKY A parent limit change & TMA/EMA: DSS FAQ. (portal.ct.gov)
- Covered Connecticut (175% FPL; $0 premium/cost‑sharing; dental; NEMT). (portal.ct.gov, agency.accesshealthct.com)
- Non‑Emergency Medical Transportation (NEMT) program details (phone, 48‑hour rule). (portal.ct.gov)
- CT Dental Health Partnership (find a dentist; benefits). (ctdhp.org)
- HUSKY B Member Handbook (premiums and co‑pays). (huskyhealthct.org)
- 12 months continuous coverage for children: CMS. (medicaid.gov)
- WIC 2025–26 income limits: Federal Register (USDA/FNS). (federalregister.gov)
- CBCCEDP screening and Medicaid for Breast & Cervical Cancer coverage. (portal.ct.gov)
- Hospital bed funds (CT law) and OHS reporting. (law.justia.com, portal.ct.gov)
If you need a quick nudge on anything, call Access Health CT at 1‑855‑805‑4325 or the HUSKY member line at 1‑800‑859‑9889—both can triage you to the right door. (accesshealthct.com, huskyhealthct.org)
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