Toolkit for Brokers, CACs and Legislators - Access Health CT openEnroll_start=11/01/2022
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Toolkit

The law has changed and it’s time to take a fresh look at your options through Access Health CT. More people qualify for financial help than ever before, even those who didn’t qualify in the past.

Open Enrollment is the time you can enroll in or renew a Qualified Health Plan (QHP) or Stand-Alone Dental Plan (SADP). You can now enroll in health and dental insurance at the same time through Access Health CT. We encourage all customers to shop and compare plans this year – make sure you have the right plan for you for 2023 and get all the financial help you can.

What’s New This Year?

  • The Inflation Reduction Act (IRA) makes health insurance coverage more affordable by greatly reducing monthly payments (premiums) for many people who enroll through Access Health CT. And, it provides financial help for people with somewhat higher incomes who can face high premiums. More people qualify for help paying for health coverage, even those who weren’t eligible in the past.
  • More people will be eligible for financial help in Plan Year 2023. If an individual is covered by an employer-sponsored plan that does not provide affordable coverage for the rest of their family members, their spouse and dependents can enroll in a plan through Access Health CT and potentially be eligible for financial help.
  • We’ve made it easier than ever to enroll in dental coverage that works for you. You can quickly shop for, compare and enroll in dental plans through AccessHealthCT.com.
  • The Covered Connecticut Program, administered by the Connecticut Department of Social Services, provides health insurance coverage, dental coverage and Non-Emergency Medical Transportation (NEMT) benefits at no cost to residents who meet certain eligibility requirements.
Dates & Deadlines

The Open Enrollment Period for 2023 coverage is November 1, 2022 to January 15, 2023.

The date you enroll determines when your health and/or dental coverage will start:

  • For coverage starting January 1, 2023, you must complete your application and enroll by December 15, 2022.
  • For coverage starting February 1, 2023, you must complete your application and enroll between December 16, 2022 and January 15, 2023.
  • Connecticut residents that are eligible for the new Covered Connecticut Program can enroll at any time. Your coverage will start on the first of the month after you complete your application and enroll in the Program.

You can enroll in coverage any time of year if you:

A Special Enrollment Period is a special window of time when you can enroll in health and/or dental insurance through Access Health CT. To qualify for a Special Enrollment Period, you must prove that you have a Qualifying Life Event – and you typically will have 60 days from the date of that Event to contact Access Health CT to complete your application process and enroll in health and/or dental insurance.

  • Before You Apply: You typically have up to 60 days from the date of your Qualifying Life Event to apply for health and/or dental insurance coverage through Access Health CT.
  • Before Coverage Can Begin: You must provide proof of your Qualifying life Event, and you will have up to 30 days to submit those documents. You must verify your information before your coverage can begin. Click here for a full list of Qualifying Life Events and acceptable documents.
  • Other Information, If We Ask: You have up to 90 days from the date you apply to provide proof of other information like your household income or immigration status (if we ask you for that information). Always respond to requests for verification documents – failure to provide the requested documents could impact your coverage or your financial help.

To learn more about Special Enrollment Periods and how to provide proof of your Qualifying Life Event, click here

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About Access Health CT

Access Health CT (AHCT) is Connecticut’s official health insurance marketplace, where you can shop, compare and enroll in quality health and dental plans. It is also the only place where you can qualify for financial help to lower your costs, and if eligible, enroll in no- or low-cost coverage through HUSKY Health Programs (Medicaid and the Children’s Health Insurance Program (CHIP)) or the Covered Connecticut Program. At AHCT, our mission is to decrease the number of uninsured residents, improve the quality of healthcare, and reduce health disparities through an innovative, competitive marketplace that empowers consumers to choose the health coverage that gives them the best value.

The Open Enrollment Period is the time when Connecticut residents can enroll in or renew Qualified Health Plans (QHPs) and Stand-Alone Dental Plans (SADPs) through Access Health CT. Residents can enroll any time of year if they qualify for HUSKY Health Programs (Medicaid/CHIP) or the Covered Connecticut Program, or are an American Indian or Alaska Native. Special Enrollment Periods are also available during the year for those experiencing a Qualifying Life Event or who become eligible for the Special Enrollment Period for Residents with Lower Income.

For General Questions & Application Help:

You can shop, compare and enroll in quality health and dental coverage online at AccessHealthCT.com, in-person at an Enrollment Location or Navigator, or by phone at 1-855-805-4325. We are also hosting Enrollment Fairs across the state where you can get free help with your application or plan selection.

All help is free, and there are Certified Brokers available who can recommend the right plan for you.

Talking Points:

  • Access Health CT is the state’s official health insurance marketplace where you can shop, compare and enroll in quality health and dental insurance plans from insurance companies you know.
  • Access Health CT is the only place where you can qualify for financial help to lower your costs or be eligible for low-cost or free coverage through HUSKY Health (Medicaid/Children’s Health Insurance Program (CHIP)) or the Covered Connecticut Program.
  • Part of our  mission is to increase the number of insured residents in Connecticut – and most people qualify for financial help or are eligible for low-cost or free coverage.
  • Make sure to check with Access Health CT before choosing COBRA coverage. You may find a better, less expensive option.
  • Access Health CT is here to help, and all help is FREE. Visit AccessHealthCT.com/Get-Help
  • There is free, expert help available from Enrollment Specialists and Certified Brokers at AccessHealthCT.com. 
  • To search for a Certified Broker near you who can recommend a plan that is right for your needs and budget, visit AccessHealthCT.com/Get-Help (or call Access Health CT at 1-855-805-4325).
  • Visit AccessHealthCT.com and click Compare Plans to filter plan options by in-network doctors, prescriptions and types of medical services you may use to help you choose the right plan.

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Update Your Information

Take a moment today to confirm that we have your correct contact information. We need to be able to reach you in case of any changes to your health and/or dental coverage. Help us help you! Check your account information online – and go paperless – at http://AccessHealthCT.com! @ctdss

Necesitamos poder comunicarnos con usted si hay cambio en su cobertura de salud y/o dental y los pasos que debe seguir. Ayúdenos a ayudarlo a mantenerse cubierto. ¡Revise la información de su cuenta en línea, y deje de usar papel, en AccessHealthCT.com hoy! @ctdss

 

    Returning Customers

    Already a customer? If customers qualify for automatic renewal, they will be notified by the end of November regarding their plan renewal. Customers who need to take action to re-enroll, or want to change their plan for 2023, must select a plan by December 15, 2022, for coverage to start on January 1, 2023. Learn more about next steps for renewing customers and how to manage your account.

    All customers with a 2022 Stand-Alone Dental Plan (SADP) must take action to renew their dental coverage – it cannot be renewed automatically this year. Enroll by December 15, 2022 to have dental insurance on January 1 and avoid a potential gap in coverage!

    Ways to Get Free Help

    Call Center

    For general questions, help with your application or your account, please contact our call center. Speak with an Enrollment Specialist who can answer your questions and guide you through the enrollment process – in many different languages.

    Call us at 1-855-805-4325, Monday – Friday from 8:00 AM to 7:00 PM and select Saturdays from 9:00 AM to 3:00 PM (Holiday hours may vary, click here for details).

    Customers who are deaf or hearing impaired may use TTY at 1-855-789-2428 or call with a relay operator.

    Live Chat

    For free online help, residents may visit AccessHealthCT.com. Click the “Live Chat” icon to connect with a Customer Service Representative in real time.

    Live Chat available Monday – Friday from 8:00 AM to 6:45 PM and select Saturdays from 9:00 AM to 2:45 PM (Holiday hours may vary,  click here for details).

    Enrollment Fair

    Access Health CT staff will answer your questions and help you enroll in quality health and dental coverage. Certified Brokers will be on-hand if you need a plan recommendation. Registration is encouraged, but not required.

    Be Prepared. Have the following information for yourself and anyone in your household applying for coverage:

    • Dates of Birth
    • Social Security numbers
    • Visa, Green Card or immigration documents
    • Most recent Form W-2 and/or Form 1040, Form 1099
    • Current insurance coverage
    • Paystubs, Profit & Loss statements or other employment information to confirm income for everyone in your tax household

    Click for List of Enrollment Fairs

    In-Person Help (Enrollment Locations & Navigators)

    Get one-on-one help with your questions or enrollment application from one of our Enrollment Specialists. Navigator partner locations are open year-round. Office hours vary by location. Appointments are encouraged; please call the location before you visit.

    Certified Broker

    Brokers are trained and certified to assist with your application for health and dental coverage. They are the only ones who can recommend a specific plan for you. To find a Certified Broker, visit the Assistance Search.

    Certified Application Counselor

    Also called a “CAC” or Enrollment Specialist, they can answer your questions or help with your application. These trained professionals are located at places like Community Health Centers, hospitals, etc. To find a CAC near you, visit the Assistance Search.

    Covered Connecticut Eligibility

    Some Connecticut residents that meet certain eligibility requirements are paying $0 for their health insurance coverage through Access Health CT, thanks to the Covered Connecticut Program created by the State of Connecticut and administered by the Connecticut Department of Social Services. You can enroll at any time you become eligible, and your coverage starts the first of the month following your enrollment.

    If you qualify, the State of Connecticut will pay your portion of the monthly payment (premium) directly to your insurance company and will also pay for the cost-sharing amounts that you would normally have to pay with a health insurance plan (such as deductibles, co-pays, co-insurance and maximum out-of-pocket costs).

    The Covered Connecticut Program now provides health insurance coverage, dental coverage and Non-Emergency Medical Transportation (NEMT) benefits.

    Residents must meet the following requirements to participate in the Covered Connecticut Program:

    • Have a household income up to and including 175% of the Federal Poverty Level (FPL) and don’t qualify for Medicaid because of household income*;
    • Be eligible for financial help, including Advanced Premium Tax Credits (APTCs) and Cost-Sharing Reductions (CSRs), and use 100% of the financial help available to you; and
    • Be enrolled in a Silver Level Plan

    *If your household income qualifies you for HUSKY Health (Medicaid), you will not be able to enroll in the Covered Connecticut Program. Medicaid provides comprehensive benefits; please contact the Connecticut Department of Social Services (DSS) for more information.

    Income Guidelines for 2022 Coverage

    Household Size 1 2 3 4 5 6 7 8
    Ineligible for HUSKY/Medicaid and have household income up to and including 175% FPL $22,540 $30,485 $38,430 $46,375 $54,320 $62,265 $70,210 $78,155

    You can enroll in the Covered Connecticut Program at any time you become eligible. Complete an application at AccessHealthCT.com and we will let you know if you qualify for the Covered Connecticut Program. You can also call us at 1-855-805-4325 for free enrollment and eligibility help. If you are deaf or hearing impaired, you may use the TTY at 1-855-789-2428 or contact us with a relay operator.

    Talking Points:

    • The Covered Connecticut Program, administered by the Connecticut Department of Social Services, provides health insurance coverage, dental coverage and Non-Emergency Medical Transportation (NEMT) benefits at no cost to residents who meet eligibility requirements.
    • There is no end date to this opportunity; you can enroll in the Covered Connecticut Program at any time you become eligible.
    • Your coverage will start on the first of the month after you complete your application and enrollment. (For example, if a person enrolls on February 5, their coverage begins March 1.)
    • The State of Connecticut will pay your portion of the monthly payment (premium) directly to your insurance company and will also pay for the cost-sharing amounts you would typically have to pay with a health insurance plan (such as deductibles, co-pays, co-insurance, and maximum out-of-pocket costs).
    • Submit an application at AccessHealthCT.com and we will let you know if you qualify for the Covered Connecticut Program. You can also call Access Health CT for free enrollment and eligibility help at 1-855-805-4325. If you are deaf or hearing impaired, you may use the TTY at 1-855-789-2428 or contact us with a relay operator.

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    Covered Connecticut

    The Covered Connecticut Program, administered by the CT Dept. of Social Services, provides health & dental coverage and Non-Emergency Medical Transportation (NEMT) benefits at no cost to residents who meet eligibility requirements. Apply at AccessHealthCT.com or call 855-805-4325 to see if you qualify. Read more at bit.ly/3wJPO2a

    Special Enrollment Period

    A Special Enrollment Period is a special window of time when you can sign up for health and/or dental insurance coverage through Access Health CT. To qualify for a Special Enrollment Period, you must prove that you have a Qualifying Life Event. If you have a Qualifying Life Event, your Special Enrollment Period will generally last 60 days from the date of the event.  If you qualify for HUSKY Health (Medicaid/Children’s Health Insurance Program (CHIP)), the Covered Connecticut Program, or if you are an American Indian or Alaska Native, you can enroll in coverage any time of the year. Learn more about Special Enrollment Periods.

    Common Qualifying Life Events

    Qualifying Life Events (QLEs) open a Special Enrollment Period to enroll in health insurance any time of year. Typically, you have 60 days from the date of your QLE to begin an application. You will also be required to verify your QLE in order for your coverage to begin. Common QLEs include:

    • Losing coverage through your employer or certain changes to employer contributions to a Health Reimbursement Arrangement (HRA) or a Qualified Small Employer Health Reimbursement Arrangement (QSERA), including a gain of either one.
    • Losing your coverage due to job change. Voluntary cancellation of coverage or termination by the insurer due to non-payment of monthly payments (premiums) does not qualify as a QLE.
    • Losing coverage through your spouse or parent. Be sure to know when the policy will end in order to understand the best time to enroll.
    • Exhaustion of COBRA coverage. Voluntary early termination of COBRA coverage does not qualify as a QLE.

    Click here to see a full list of Qualifying Life Events.

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    Special Enrollment

    Have you lost your health insurance coverage? You may qualify for a Special Enrollment Period. Check out your coverage options with Access Health CT. To find free enrollment help, visit AccessHealthCT.com/Get-Help.

    ¿Ha perdido su cobertura de seguro de salud? Puede calificar para una Inscripción Especial. Vea tus opciones de cobertura con Access Health CT. Para encontrar ayuda gratuita para la inscripción, visite AccessHealthCT.com/Casa/Obtenga-Ayuda.

    Did you have a Qualifying Life Event and need health insurance? Find out if you qualify for free or low-cost plans through Access Health CT. Call 855-805-4325 or visit AccessHealthCT.com to live chat with us now!

    ¿Tuviste un evento de vida calificado y necesitas un seguro de salud? Averigüe si califica para planes gratuitos o de bajo costo a través de Access Health CT. ¡Llame al 855-805-4325 o visite AccessHealthCT.com para chatear en vivo con nosotros ahora!

    Any change in your info such as a move to CT, job loss, turning 26, marriage or new baby, should be reported within 60 days. You may even qualify for financial help. Learn more at bit.ly/3Cjd7Et.

    Cualquier cambio en su información, como mudarse a CT, pérdida de trabajo, cumplir 26 años, matrimonio o un nuevo bebé, debe informarse dentro de los 60 días. Incluso puede calificar para recibir ayuda financiera. Obtenga más información en bit.ly/3Cjd7Et.

    New Special Enrollment Period for Residents with Lower Income Eligibility

    Access Health CT is committed to increasing access to affordable health insurance coverage. This New Special Enrollment Period for Residents with Lower Income will provide access to no-cost or very low-cost health insurance made possible by the Inflation Reduction Act (IRA). Connecticut residents can find out if they are eligible and enroll by calling Access Health CT at 1-855-805-4325, Monday – Friday and select Saturdays (more information). Those who are deaf or hearing impaired may use the TTY at 1-855-789-2428, or contact Access Health CT with a relay operator.

    Who is eligible for the New Special Enrollment Period for Residents with Lower Income?

    • New or returning customers who are not currently enrolled in a health insurance plan through Access Health CT.
    • Connecticut residents who are eligible for Advance Premium Tax Credits (APTCs) and have a household income at or below 150% of the Federal Poverty Level (FPL).

    Special Enrollment FPL chart

    Household Size 1 2 3 4 5 6 7 8
    150% FPL $19,320 $26,130 $32,940 $39,750 $46,560 $53,370 $60,180 $66,990

    Talking Points:

    • This opportunity is only offered through Access Health CT.
    • The Inflation Reduction Act (IRA) makes health insurance coverage more affordable and accessible for many Connecticut residents by greatly reducing monthly payments (premiums) for many people who enroll through Access Health CT.
    • This Special Enrollment Period gives residents with lower incomes another chance to access these additional savings on monthly bills.
    • This Special Enrollment Period is open through Plan Year 2022, unless the enhanced subsidies are extended beyond 2022 through federal legislation.
    • Coverage will start on the first of the month following enrollment.

    Printables Available for Download:

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    Fed Sep

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    New Special Enrollment Period for Residents with Lower Income

    A new Special Enrollment Period for Residents with Lower Income allows some residents to sign up for health coverage thru Access Health CT outside of the annual Open Enrollment Period. Call 855-805-4325 to see if you qualify or to enroll. Learn more at bit.ly/38v2hQU.

    Health Equity

    Health disparities are health differences that are closely linked with social, economic, and/or environmental disadvantage. They adversely affect people based on a variety of factors including race, ethnicity, religion, gender, socioeconomic status, disability, and geographic location, among many others.

    Our mission is to decrease the number of uninsured residents, improve the quality of healthcare, and reduce health disparities through an innovative, competitive marketplace that empowers consumers to choose the coverage that give them the best value. Since 2013, Access Health CT has helped more than one million individuals and small businesses get health insurance, and we’ve helped cut Connecticut’s uninsured rate in half. This is great progress, but more must be done to reduce health disparities that persist in our state.

    Learn more about our Health Equity efforts

    Talking Points:

    • Access Health CT works with organizations that help people navigate the enrollment and renewal process, and help people better use and understand their insurance plans.
    • Access Health CT works closely with community health centers and other community partners to help people understand the importance of having and using health insurance.
    • Access Health CT’s Certified Application Counselors help people enroll in health insurance, and works with Certified Brokers in all CT communities.
    • Access Health CT participates in health fairs and community engagement events in communities with high levels of health disparities.
    • Access Health CT reaches people at farmers markets, food pantries, churches, CT Foodbank and Foodshare events, Hartford Public Library events, vaccine clinic sites, community resource fairs, and more.
    • Access Health CT has established great relationships with local businesses like grocery stores, barber shops, and salons that helps understand how Access Health help their customers and communities.

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    Health Equity

    For years, we have laid the groundwork to reduce health disparities in CT. Find out what we are doing about this and how you can help at AccessHealthCT.com/HealthEquity.

    Reducing health disparities — and ultimately eliminating them — can’t be done by just one person or organization. If you’re interested in learning more & helping, fill out the contact form at AccessHealthCT.com/HealthEquity-Contact.

    Reducing health disparities — and ultimately eliminating them — can’t be done by just one person or organization. We’ve made some progress, but there is still more work to be done. Access Health CT invites and encourages you to get involved. Learn more at AccessHealthCT.com/HealthEquity.

    Reducir las disparidades de salud, y finalmente eliminarlas, no puede hacerlo una sola persona u organización. Hemos hecho algunos progresos, pero aún queda más trabajo por hacer. Access Health CT lo invita a participar. Obtenga más información en AccessHealthCT.com/casa/equidad-en-salud.

    Important Info

    Use this toolkit to help spread the word that Access Heath CT is here to help keep Connecticut residents covered!

    If you wish to print this page, please click CTRL+P (or CMD+P on a Mac).

    Call Center

    • The Access Health CT Call Center & Live Chat can be reached at 1-855-805-4325.
    • Customers who are deaf or hearing impaired may use TTY at 1-855-789-2428 or call with a relay operator.
    • For updated Call Center & Live Chat hours, click here.

    Quick Links

    Social Media Profiles

    We are active on social media – please follow our pages, tag us in posts about healthcare, enrollment, and share our updates to help spread the word.

    Data, Research & Publications

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