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Continue the following text in a coherent and informative manner	120-day Special Enrollment Period Written by Yessenia Milan \| Last published at: October 25, 2023 Residents affected by the Medicaid Unwinding: AHCT will offer a 120-day ‘Medicaid Unwind’ Special Enrollment Period (SEP) for eligible individuals who lose HUSKY Health coverage on or after April 1, 2023. Under this SEP, eligible applicants will have up to 120 days to enroll in new health and/or dental insurance coverage after their loss of HUSKY Health coverage. An applicant's coverage effective date will be the first day of the month following plan selection. More Information: • Medicaid Unwinding • Special Enrollment Periods • Verification Documents	Residents affected by the Medicaid Unwinding: AHCT will offer a 120-day ‘Medicaid Unwind’ Special Enrollment Period (SEP) for eligible individuals who lose HUSKY Health coverage on or after April 1, 2023. Under this SEP, eligible applicants will have up to 120 days to enroll in new health and/or dental insurance coverage after their loss of HUSKY Health coverage. An applicant's coverage effective date will be the first day of the month following plan selection. More Information • Medicaid Unwinding • Special Enrollment Periods • Verification Documents
Continue the following text in a coherent and informative manner	About the IRS Tax Penalty Written by Yessenia Milan \| Last published at: November 25, 2024 For Tax Year 2020, the penalty or fee for not having health insurance coverage is $0. For Tax Years 2018 and earlier, individuals without coverage during those years may be subject to a penalty. This penalty is also known as the “Individual Responsibility Payment.” If you did not have healthcare coverage in 2018, the Internal Revenue Service (IRS) may charge a penalty when you file your federal tax return. The State of Connecticut does not charge a penalty for not having healthcare coverage. The IRS reviews the number of months out of the tax year that you didn’t have coverage, and charges a penalty based on those months if they exceeded three months total. The penalty amount can vary. The IRS calculates the total amount for the year that you owe for months you were not covered. You will pay 1/12th of the total amount for the year for each month you and/or members of your tax household were not c	If you didn’t have health insurance coverage in 2018, the IRS may charge a penalty when you file your federal tax return.
Continue the following text in a coherent and informative manner	¿Access Health CT ofrece un plan catastrófico? Written by Yessenia Milan \| Last published at: April 26, 2023 Los planes catastróficos solo están disponibles para personas menores de 30 años o para aquellos a quienes se les otorgó una exención por dificultades o asequibilidad de Access Health CT. No puede obtener ayuda financiera para pagar los planes Catastróficos. Estos planes tienen primas mensuales bajas y brindan el nivel más bajo de cobertura, pero tienen gastos de bolsillo más altos que otros tipos de planes. Cuando complete una solicitud de cobertura, verá los planes catastróficos enumerados como una opción solo si califica para ellos. Si no califica, no los verá como una opción para seleccionar. Solo Access Health CT puede otorgar una exención por dificultades o asequibilidad para comprar un plan catastrófico. Haga clic aquí para descargar la solicitud y las instrucciones sobre cómo completar el formulario. ¿Este plan es para ti? Puede ser una buena op	Los planes catastróficos solo están disponibles para personas menores de 30 aos o para aquellos a quienes se otorgó una exención por dificultades o asequibilidad de Access Health CT. No puede obtener ayuda financiera para pagar los planes Catastróficos. Estos planes tienen primas mensuales bajas y brindan el nivel más bajo de cobertura, pero tienen gastos de bolsillo más altos que otros tipos de planes. Cuando complete una solicitud de cobertura, verá los planes catastróficos enumerados como una opción solo si califica para ellos. Si no califica, no los verá como una opción para seleccionar. Solo Access Health CT puede otorgar un
Continue the following text in a coherent and informative manner	Advance Premium Tax Credit Disclaimer If you enroll in a Qualified Health Plan (QHP) and you are eligible for advance payments of the Premium Tax Credit (APTC) you can choose to use the full amount to reduce your monthly premium OR take less by using the scale in the disclaimer below. The sliding scale appears in the disclaimer below. You Should Know:  Those who take less APTC may be eligible to receive the remaining tax credit as a refund based on the actual Modified Adjusted Gross Income (MAGI) reported on their federal Income tax return.  If you actual annual income could be higher than what you listed in your application, you can select to receive a smaller APTC amount. To select a smaller APTC amount, move the slider to the left (see example below).  The IRS ultimately decides who receives repayment of tax credits and how much they receive. Access Health CT cannot guarantee payment of any remaining APTC when you file your federal tax return. For additiona	If you enroll in a Qualified Health Plan (QHP) and you are eligible for advance payments of the Premium Tax Credit (APTC) you can choose to use the full amount to reduce your monthly premium OR take less by using the sliding scale in the disclaimer below. The sliding scale appears in the disclaimer below. You Should Know: Those who take less APTC may be eligible to receive the remaining tax credit as a refund based on the actual Modified Adjusted Gross Income (MAGI) reported on their federal Income tax return. If you actual annual income could be higher than what you listed in your application, you can select to receive a smaller APTC amount. To select a smaller APTC amount, move the slider to the left (see example below). The IRS ultimately decides who receives repayment of tax credits and how much they receive. Access Health CT cannot guarantee payment of any remaining APTC when you file your federal tax return.
Continue the following text in a coherent and informative manner	• Take advantage of key in-network preventive care visits, which are covered 100% and can help you stay healthy • Use in-netw • Save money with generic drugs and mail-order programs • Call your insurance company directly with questions or to learn more about resources available to you • Always pay your premiums on time to avoid coverage delays or lapses After You Enroll After you enroll in healthcare coverage through Access Health CT, you’ll receive additional materials from us and from your insurance company (materials may vary depending on the plan you choose). To stay organized, check off each item below as you receive it from us. Questions about your coverage? Access Health CT does not have access to that information. Anthem: 1-855-738-6644 Anthem.com Get the most from your healthcare coverage Start by choosing a primary care doctor from your insurance company’s provider directory, and schedule your annual checkup. Make sure you: When From What about 3 days after enroll	After You Enroll After you enroll in healthcare coverage through Access Health CT, you’ll receive additional materials from us and from your insurance company (materials may vary depending on the plan you choose). To stay organized, check off each item below as you receive it from us. Questions about your coverage? Access Health CT does not have access to that information. Anthem: 1-855-738-6644 Anthem.com Get the most from your healthcare coverage Start by choosing a primary care doctor from your insurance company’s provider directory, and schedule your annual checkup. Make sure you: When From What about 3 days after enroll
Continue the following text in a coherent and informative manner	Access Health CT Glossary Written by Roberto Blundo \| Last published at: May 08, 2024 Glossary acuerdo de reembolso de salud Las cuentas de reembolso de salud son planes de salud grupales financiados por el empleador, de los cuales los empleados son reembolsados libres de impuestos para los gastos médicos calificados hasta un monto fijo en dólares por año. Los montos no utilizadas pueden ser renovados para ser utilizadose en años posteriores. El empleador financia y es propietario de la cuenta. Affordable Care Act (ACA) (also known as the Patient Protection and Affordable Care Act or Obamacare) and is the landmark health reform legislation signed into law in March 2010. Key provisions are intended to extend coverage to millions of uninsured Americans, implement measures that will lower health care costs and improve system efficiency, and eliminate industry practices that include rescission and denial of coverage due to pre-existing conditions. Agent An agent is a state-licensed indivi	Acuerdo de reembolso de salud Las cuentas de reembolso de salud son planes de salud grupales financiados por el empleador, de cuales los empleados son reembolsados libres de impuestos para los gastos médicos calificados hasta un monto fijo en dólares por ao. Los montos no utilizados pueden ser renovados para ser utilizado en aos posteriores. El empleador financia y es propietario de la cuenta.
Continue the following text in a coherent and informative manner	American Indians and Alaska Natives Written by Yessenia Milan \| Last published at: October 25, 2024 If you are an American Indian or Alaska Native, you can enroll in a Qualified Health Plan (QHP) or Stand-Alone Dental Plan at any time during the year and may change your health and/or dental plan selection once a month. The coverage effective date(s) for your health and/or dental plan depend(s) on the day you enroll. If you enroll by the 15th of the month, your coverage will start on the 1st day of the following month (for example, if you enroll by February 15, your coverage will start on March 1). When you complete your application for health and/or dental coverage, you will not be asked to provide documents to verify your American Indian or Alaska Native status, but you must provide the name of your federally recognized tribe and your tribal status. Financial Help Based on your household's Modified Adjusted Gross Income (MAGI), you and your household members may qualify for financ	If you are an American Indian or Alaska Native, you can enroll in a Qualified Health Plan (QHP) or Stand-Alone Dental Plan at any time during the year and may change your health and/or dental plan selection once a month. The coverage effective date(s) for your health and/or dental plan depend(s) on the day you enroll. If you enroll by the 15th of the month, your coverage will start on the 1st day of the month (for example, if you enroll by February 15, your coverage will start on March 1). When you complete your application for health and/or dental coverage, you will not be asked to provide documents to verify your American Indian or Alaska Native status, but you must provide the name of your federally recognized tribe and your tribal status.
Continue the following text in a coherent and informative manner	American Rescue Plan Act & Inflation Reduction Act Written by Yessenia Milan \| Last published at: February 20, 2025 The American Rescue Plan (ARPA) and the Inflation Reduction Act (IRA) make health insurance coverage more affordable and accessible for many Connecticut residents. These laws changed the way we calculate financial help for customers. As a result, many more customers now qualify for financial help to make plans more affordable. Whether you’re a first- time shopper or an existing customer, we want to make sure you know how to take advantage of all the financial help available. Enhanced plan subsidies are in place through Plan Year 2025, unless they are extended beyond 2025 through federal legislation. Real-Life example* of savings for Connecticut residents and their families due to the ARPA and IRA: Household Size Metal Level Coverage Year Income Premium Before Financial Help Premium After Financial Help 1 Silver 2022 $19,800 $ 1,289	The American Rescue Plan (ARPA) and the Inflation Reduction Act (IRA) make health insurance coverage more affordable and accessible for many Connecticut residents. These laws changed the way we calculate financial help for customers. As a result, many more customers now qualify for financial help to make plans more affordable. Whether you’re a first- time shopper or an existing customer, we want to make sure you know how to take advantage of all the financial help available. Enhanced plan subsidies are in place through Plan Year 2025, unless they are extended beyond 2025 through federal legislation. Real-Life example* of savings for Connecticut residents and their families due to the ARPA and IRA: Household Size Metal Level Coverage Year Income Premium Before Financial Help Premium After Financial Help 1 Silver 2022 $19,800 $ 1,289
Continue the following text in a coherent and informative manner	Application Disclaimers You must agree to the following disclaimers to complete your application. If you do not agree to the disclaimers, you will not be eligible to enroll in a Qualified Health Plan or Medicaid. Medicaid Only Disclaimers: You may be eligible for programs offered through the Department of Social Services such as Medicaid (known as HUSKY A and Husky D) and the Children’s Health Insurance Program (known as CHIP or HUSKY B). The information listed on your application will be used to decide if you are eligible for these programs. _____________________________________________________________________________________ I know that I must tell the program I’m enrolled in if information I listed on this application changes. MEDICAID ONLY: I know that if Medicaid pays for a medical expense any money I get from other health insurance or legal settlements will go to Medicaid in an amount equal to what Medicaid pays for the expense. MEDICAID ONLY: I know that	You may be eligible for programs offered through the Department of Social Services such as Medicaid (known as HUSKY A and Husky D) and the Children’s Health Insurance Program (known as CHIP or HUSKY B). The information listed on your application will be used to decide if you are eligible for these programs. _________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________
Continue the following text in a coherent and informative manner	Asistencia de traducción de idiomas y TTY Written by Yessenia Milan \| Last published at: January 08, 2025 ¿Cómo puedo obtener ayuda con la traducción de idiomas o TTY? Si necesita asistencia en otro idioma, contamos con traductores capacitados en más de 200 idiomas que están aquí para ayudarle. Comuníquese con el centro de llamadas de Access Health CT al 1-855-805-4325. Si es sordo o tiene problemas de audición, puede usar el TTY al 1-855-789-2428 o comunicarse al 1-855-805-4325 con nosotros a través de un operador de retransmisión. Descargue una copia de nuestra lista de verificación de inscripción aquí, disponible en varios idiomas: Español Inglés Criollo haitiano Polaco	Cómo puedo obtener ayuda con la traducción de idiomas o TTY? Si necesita asistencia en otro idioma, contamos con traductores capacitados en más de 200 idiomas que están aqu para ayudarle. Comunquese con el centro de llamadas de Access Health CT al 1-855-805-4325. Si es sordo o tiene problemas de audición, puede usar el TTY al 1-855-789-2428 o comunicarse al 1-855-805-4325 con nosotros a través de un operador de retransmisión. Descargue una copia de nuestra lista de verificación de inscripción aqu, disponible en varios idiomas: Espaol Inglés Criollo haitiano Polaco
Continue the following text in a coherent and informative manner	Birth Control Coverage Written by Yessenia Milan \| Last published at: October 17, 2023 Yes and at no cost! All Access Health CT health plans must cover all approved forms of birth control under the Affordable Care Act at no cost to the consumer. This means any plan bought through Access Health CT must offer these contraceptive benefits as part of your health insurance coverage. You should still review your plan benefits and costs with the insurance company you chose or are looking to choose.	Access Health CT health plans must cover all approved forms of birth control under the Affordable Care Act at no cost to the consumer. This means any plan bought through Access Health CT must offer these contraceptive benefits as part of your health insurance coverage. You should still review your plan benefits and costs with the insurance company you chose or are looking to choose.
Continue the following text in a coherent and informative manner	Can I apply for a qualified health plan through Access Health CT if I have COBRA? Written by Yessenia Milan \| Last published at: October 24, 2024 1. What is COBRA? COBRA is a federal law that may allow you to temporarily keep your health coverage after a qualifying event, such as job loss. If you choose COBRA continuation coverage, you may have to pay 100% of the monthly payments (premium), including the share the employer used to pay, and a small administrative fee. If you are being offered COBRA continuation coverage, there are some things you should know before you make a final decision. Access Health CT may offer a better, less expensive choice for you and your family. 2. COBRA Coverage vs. Coverage through Access Health CT We recommend that you check your options with Access Health before choosing COBRA for these reasons: Access Health CT is the only place you can qualify for financial help to pay for health insurance. With COBRA coverage, you may have to pay 100% of the monthl	If you are being offered COBRA continuation coverage, there are some things you should know before you make a final decision. Access Health CT may offer a better, less expensive choice for you and your family. With COBRA coverage, you may have to pay 100% of the monthly payments (premium), including the share the employer used to pay, and a small administrative fee. Access Health CT is the only place you can qualify for financial help to pay for health insurance. With COBRA coverage, you may have to pay 100% of the monthly payments (premium), including the share the employer used to pay, and a small administrative fee. Access Health CT is the only place you can qualify for financial help to pay for health insurance. With COBRA coverage, you may have to pay 100% of the monthly payments (premium), including the share the employer used to pay, and a small administrative fee. Access Health CT is the only place you can qualify for financial help to pay for health insurance. With COBRA coverage, you may have to pay 100% of the monthly payments (premium), including the share the employer used to pay, and a small administrative fee. Access Health CT is the only place you can qualify for
Continue the following text in a coherent and informative manner	Can I get a plan with a Health Savings Account (HSA) through Access Health CT? Written by Yessenia Milan \| Last published at: February 19, 2025 Health Savings Accounts (HSAs) are medical savings accounts available to taxpayers who are enrolled in a High Deductible Health Plan (HDHP). The funds contributed to the account aren’t subject to federal income tax at the time of deposit. Funds must be used to pay for qualified medical expenses and leftover funds roll over year to year if you don’t spend them, which means you don’t lose them if they are not spent. Some insurance companies offer High Deductible Health Plans that are compatible with a Health Savings Account (HSA). These accounts are managed by the insurance companies and not by Access Health CT. However, HSA compatible plans are available through the Access Health CT Marketplace and are identified as such in the plan name. Just look for "HSA" in the plan name when you are comparing health plans.	Health Savings Accounts (HSAs) are medical savings accounts available to taxpayers who are enrolled in a High Deductible Health Plan (HDHP). The funds contributed to the account aren’t subject to federal income tax at the time of deposit. Funds must be used to pay for qualified medical expenses and leftover funds roll over year to year if you don’t spend them, which means you don’t lose them if they are not spent. Some insurance companies offer High Deductible Health Plans that are compatible with a Health Savings Account (HSA). These accounts are managed by the insurance companies and not by Access Health CT. However, HSA compatible plans are available through the Access Health CT Marketplace and are identified as such in the plan name. Just look for "HSA" in the plan name when you are comparing health plans.
Continue the following text in a coherent and informative manner	Continuous Enrollment Unwinding and HUSKY Health Coverage Written by Kecia Stauffer \| Last published at: January 08, 2025 What is the Continuous Enrollment Unwinding? During the pandemic, Connecticut extended health coverage for most Medicaid members enrolled on or after March 18, 2020, even if they no longer qualified, a process the federal government calls Continuous Enrollment. The federal rules have changed; Continuous Enrollment ends March 31, 2023 and the process of reviewing households for eligibility, referred to as Continuous Enrollment Unwinding, will resume. You can click here for the latest updates on this process. What steps can I take to get ready? 1. Update us so we can update you! Make sure your address and phone number are up to date with Access Health CT and/or the Department of Social Services (DSS). Consider providing your email address, opting to receive text messages or selecting paperless delivery for important notifications. – HUSKY A, B and	During the pandemic, Connecticut extended health coverage for most Medicaid members enrolled on or after March 18, 2020, even if they no longer qualified, a process the federal government calls Continuous Enrollment. The federal rules have changed; Continuous Enrollment ends March 31, 2023 and the process of reviewing households for eligibility, referred to as Continuous Enrollment Unwinding, will resume.
Continue the following text in a coherent and informative manner	Coverage Effective Dates for Qualified Health Plans Written by Yessenia Milan \| Last published at: January 30, 2025 1. How are effective dates determined? i. When you enroll during Open Enrollment determines when your health and/or dental coverage will start: For coverage starting January 1, 2025, you must enroll and complete your application by December 15, 2024. For coverage starting February 1, 2025, you must enroll and complete your application between December 16, 2024 and January 15, 2025. ii. Enrolling in health and/or dental insurance outside of the Open Enrollment requires a Qualifying Life Event. You typically will have a period of 60 days from the Qualifying Life Event date, which is referred to as a Special Enrollment Period, to enroll. The date your coverage will start will depend on the type of Qualifying Life Event you had for your Special Enrollment Period. iii. Connecticut residents that are eligible for the new Covered Connecticut Program can enroll at any time	You must enroll during Open Enrollment determines when your health and/or dental coverage will start: For coverage starting January 1, 2025, you must enroll and complete your application by December 15, 2024. For coverage starting February 1, 2025, you must enroll and complete your application between December 16, 2024 and January 15, 2025. ii. Enrolling in health and/or dental insurance outside of the Open Enrollment requires a Qualifying Life Event. You typically will have a period of 60 days from the Qualifying Life Event date, which is referred to as a Special Enrollment Period, to enroll. The date your coverage will start will depend on the type of Qualifying Life Event you had for your Special Enrollment Period.
Continue the following text in a coherent and informative manner	Covered CT Program Written by Yessenia Milan \| Last published at: January 08, 2025 Covered CT Some Connecticut residents that meet specific eligibility requirements are paying $0 for their health insurance coverage, thanks to the new Covered CT Program created by the State of Connecticut. The Covered CT Program provides health insurance coverage, dental coverage and Non-Emergency Medical Transportation (NEMT) administered by the Connecticut Department of Social Services. This Program is for residents between the ages of 19–64. Want to see if you qualify? Complete an application with Access Health CT online or with some free help. For eligible Connecticut residents enrolled in the Covered CT Program, the State of Connecticut pays the customer’s portion of the monthly payment (premium) directly to their insurance company (Anthem, ConnectiCare Benefits, Inc. and ConnectiCare Insurance Company, Inc.) and also pays for the cost-sharing amounts (deductibles, co-pays, co-	Some Connecticut residents that meet specific eligibility requirements are paying $0 for their health insurance coverage, thanks to the new Covered CT Program created by the State of Connecticut. The Covered CT Program provides health insurance coverage, dental coverage and Non-Emergency Medical Transportation (NEMT) administered by the Connecticut Department of Social Services. This Program is for residents between the ages of 19–64. Want to see if you qualify? Complete an application with Access Health CT online or with some free help. For eligible Connecticut residents enrolled in the Covered CT Program, the State of Connecticut pays the customer’s portion of the monthly payment (premium) directly to their insurance company (Anthem, ConnectiCare Benefits, Inc. and ConnectiCare Insurance Company, Inc.) and also pays for the cost-sharing amounts (deductibles, co-pays, co-insurance).
Continue the following text in a coherent and informative manner	Creating Accounts and Linking Applications Written by Kecia Stauffer \| Last published at: August 26, 2024 Managing your Access Health CT application is easier with an online account. You can use your online account in several ways, including making routine changes to your household information and your application. With an online account you can also: • View important notices • Report changes to your household information, like your household income, home and/or mailing address, and contact information • Provide an email address and opt in to receive SMS alerts • Add or remove a household member from your application • Cancel your coverage • Renew your coverage • Upload documents • Find Help from a broker or Certified Application Counselor (CAC) Create an online account before you start your application so you can access your application at any time. If you already started an application with Access Health CT, follow the steps below to create an online ac	Managing your Access Health CT application is easier with an online account. You can use your online account in several ways, including making routine changes to your household information and your application. With an online account you can also: • View important notices • Report changes to your household information, like your household income, home and/or mailing address, and contact information • Provide an email address and opt in to receive SMS alerts • Add or remove a household member from your application • Cancel your coverage • Renew your coverage • Upload documents • Find Help from a broker or Certified Application Counselor (CAC) Create an online account before you start your application so you can access your application at any time. If you already started an application with Access Health CT, follow the steps below to create an online ac
Continue the following text in a coherent and informative manner	Customer Service Update Written by Yessenia Milan \| Last published at: September 14, 2023 We are currently experiencing a high volume of escalated cases and requests to our customer service team. We are working diligently to resolve issues and close cases as soon as possible, but in the meantime, you may have a delay in getting your questions answered. The best way to request help from our team, ask us a question or check on the status of your application is to call us at 1-855-805-4325. We are also available via Live Chat (https://www.accesshealthct.com/get-help/). If you have an urgent medical issue, please let the customer service representative know when you contact us. Thank you for your patience.	We are currently experiencing a high volume of escalated cases and requests to our customer service team. We are working diligently to resolve issues and close cases as soon as possible, but in the meantime, you may have a delay in getting your questions answered. The best way to request help from our team, ask us a question or check on the status of your application is to call us at 1-855-805-4325. We are also available via Live Chat (https://www.accesshealthct.com/get-help/). If you have an urgent medical issue, please let the customer service representative know when you contact us. Thank you for your patience.
Continue the following text in a coherent and informative manner	Deferred Action for Childhood Arrivals (DACA) Written by Kecia Stauffer \| Last published at: August 20, 2024 Deferred Action for Childhood Arrivals (DACA) recipients are now eligible for insurance coverage through Access Health CT. Starting November 1, 2024, DACA recipients will be able to get health insurance coverage through state- based marketplaces. This change in the law means DACA recipients living in Connecticut can apply for health and/or dental insurance plans offered through Access Health CT. Depending on their household size and income, they may qualify for financial help such as Advance Premium Tax Credits (APTCs) or Cost-Sharing Reductions (CSRs). There will be a Special Enrollment Period (SEP) starting November 1, 2024, to allow DACA recipients to enroll in coverage that starts as soon as December 1, 2024. Moving forward, anyone who becomes a DACA recipient will qualify for a 60-day SEP that starts on the day they are granted deferred action. Remember, all members	Deferred Action for Childhood Arrivals (DACA) recipients are now eligible for insurance coverage through Access Health CT. Starting November 1, 2024, DACA recipients will be able to get health insurance coverage through state- based marketplaces. This change in the law means DACA recipients living in Connecticut can apply for health and/or dental insurance plans offered through Access Health CT. Depending on their household size and income, they may qualify for financial help such as Advance Premium Tax Credits (APTCs) or Cost-Sharing Reductions (CSRs). There will be a Special Enrollment Period (SEP) starting November 1, 2024, to allow DACA recipients to enroll in coverage that starts as soon as December 1, 2024. Moving forward, anyone who becomes a DACA recipient will qualify for a 60-day SEP that starts on the day they are granted deferred action.
Continue the following text in a coherent and informative manner	Dental coverage through Access Health CT Written by Yessenia Milan \| Last published at: January 31, 2025 Dental and oral health are important to your overall health and well-being. You can get dental coverage through Access Health CT in a few different ways. All health insurance plans offered through Access Health CT include pediatric dental coverage for anyone under 26 years old. It is also as an Essential Health Benefit under the ACA. Some health plans and programs available through Access Health CT, like the Covered CT Program, include dental coverage for adults. The HUSKY Health Program (Medicaid/CHIP programs) includes dental coverage for children and adults. If your current health insurance plan doesn’t include dental coverage, you can get a stand-alone dental plan through Access Health CT! You can enroll during the Open Enrollment Period that begins November 1 or during a Special Enrollment Period if you have a Qualifying Life Event. To enroll in dental	If your current health insurance plan doesn’t include dental coverage, you can get a stand-alone dental plan through Access Health CT! You can enroll during the Open Enrollment Period that begins November 1 or during a Special Enrollment Period if you have a Qualifying Life Event.
Continue the following text in a coherent and informative manner	Differences with Metal Levels Written by Yessenia Milan \| Last published at: March 08, 2024 There are different plan options available at the Bronze, Silver, and Gold levels. Each metal level offers a different degree of coverage, so you should look for the plan that best fits your medical needs as well as your budget. Some types of plans may restrict your provider choices or encourage you to get care from your plan's network of providers, while others pay a larger share for services outside of the provider network. It's important that you understand the differences between these metal levels, and that you should look beyond just the monthly premium payment when comparing plans. Pay attention to your yearly deductible, copayments, or coinsurance costs, and review the plan's network of providers. Plans with the lowest monthly payments (premiums) are not always the cheapest option for you and your family. For more information on types of plans, differences between plans a	Choose a plan that best fits your medical needs and your budget.
Continue the following text in a coherent and informative manner	Disabled Veteran Written by Yessenia Milan \| Last published at: December 22, 2023 No. Veteran's disability benefits should NOT be included in your household income. Disability benefits are counted as part of your MAGI unless they are a veteran's disability benefits. Please talk to a tax advisor if you have questions.	Veteran's disability benefits should NOT be included in your household income. Disability benefits are counted as part of your MAGI unless they are a veteran's disability benefits. Please talk to a tax advisor if you have questions.
Continue the following text in a coherent and informative manner	Does Access Health CT offer a Catastrophic Plan? Written by Yessenia Milan \| Last published at: April 26, 2023 Catastrophic plans are only available to people younger than 30 years old or to those who have been granted a hardship or affordability exemption from Access Health CT. You are not eligible to get financial help to pay for Catastrophic plans. These plans have low monthly premiums and provide the lowest level of coverage, but they have higher out-of-pocket costs than other types of plans. When you fill out an application for coverage, you’ll see Catastrophic Plans listed as an option only if you qualify for them. If you don’t qualify, you won’t see them as an option to select. An exemption for hardship or affordability to purchase a catastrophic plan can only be granted by Access Health CT. Click here to download the application and the instructions about how to complete the form. Is this plan for you? This may be a good option for people who want	Catastrophic plans are only available to people younger than 30 years old or to those who have been granted a hardship or affordability exemption from Access Health CT. You are not eligible to get financial help to pay for Catastrophic plans. Catastrophic plans have low monthly premiums and provide the lowest level of coverage, but they have higher out-of-pocket costs than other types of plans. When you fill out an application for coverage, you’ll see Catastrophic Plans listed as an option only if you qualify for them. If you don’t qualify, you won’t see them as an option to select.
Continue the following text in a coherent and informative manner	Eligibility for Medicaid (HUSKY Health) & CHIP Written by Yessenia Milan \| Last published at: November 01, 2024 How do I know if I qualify for HUSKY Health? Find out if you qualify for HUSKY Health by completing an application with Access Health CT or the Department of Social Services. For detailed program rules, please visit: How to Qualify (ct.gov) HUSKY A Medicaid for children and teens up to age 19, parents or relative caregivers of any age with a dependent child(ren) under age 19, pregnant and post-partum individuals of any age, and individuals formerly in foster care up to age 26. HUSKY B Children’s Health Insurance Program (CHIP) for uninsured children and teens up to age 19 who have too much income to qualify for Medicaid. HUSKY B also provides prenatal care to individuals of any age who do not qualify for Medicaid due to immigration status. HUSKY C Medicaid for adults age 65 and older as well as adults with disabilities, and those requiring long-term	HUSKY A Medicaid for children and teens up to age 19, parents or relative caregivers of any age with a dependent child(ren) under age 19, pregnant and post-partum individuals of any age, and individuals formerly in foster care up to age 26. HUSKY B Children’s Health Insurance Program (CHIP) for uninsured children and teens up to age 19 who have too much income to qualify for Medicaid. HUSKY B also provides prenatal care to individuals of any age who do not qualify for Medicaid due to immigration status. HUSKY C Medicaid for adults age 65 and older as well as adults with disabilities, and those requiring long-term care.
Continue the following text in a coherent and informative manner	Eligibility- Children Written by Yessenia Milan \| Last published at: December 22, 2023 The Affordable Care Act allows parents to keep their adult children on their health insurance plan until age 26.	The Affordable Care Act allows parents to keep their adult children on their health insurance plan until age 26.
Continue the following text in a coherent and informative manner	Employer Sponsored Coverage Written by Yessenia Milan \| Last published at: February 03, 2025 If you are being offered coverage through an employer, or through a family member's employer, you may still be able to enroll through Access Health CT and get help with paying for healthcare coverage. Families with offers of employer health coverage may have new opportunities for savings, even if before they weren't eligible. Can I enroll through Access Health CT if my employer offers health insurance? Yes, you can still enroll in a private health insurance plan (Qualified Health Plan) through Access Health CT, however, if the employer's coverage is considered affordable and meets the Minimum Value Standard, you will not be eligible to receive financial help (a Premium Tax Credit (PTC) or Cost-Sharing Reduction (CSR)), regardless of your household income.    • Affordable:  A  health insurance plan is deemed "affordable" if the employee's premium contribution toward the l	If you are being offered coverage through an employer, or through a family member's employer, you may still be able to enroll through Access Health CT and get help with paying for healthcare coverage. Families with offers of employer health coverage may have new opportunities for savings, even if before they weren't eligible. Can I enroll through Access Health CT if my employer offers health insurance? Yes, you can still enroll in a private health insurance plan (Qualified Health Plan) through Access Health CT, however, if the employer's coverage is considered affordable and meets the Minimum Value Standard, you will not be eligible to receive financial help (a Premium Tax Credit (PTC) or Cost-Sharing Reduction (CSR), regardless of your household income. • Affordable: A health insurance plan is deemed "affordable" if the employee's premium contribution toward the l
Continue the following text in a coherent and informative manner	Enrollment: Contact Access Health CT Written by Yessenia Milan \| Last published at: January 16, 2025 The Open Enrollment Period for 2026 health and dental insurance coverage begins November 1, 2025. Residents may be able to enroll at any time through Access Health CT if they: • Are an American Indian or Alaska Native • Qualify for HUSKY Health (Medicaid/Children's Health Insurance Program) • Qualify for the Covered CT Program • Experience a Qualifying Life Event like losing health coverage through your job, getting married, or moving to Connecticut from another state or country We Are Here to Help • Call us at 1-855-805-4325. Hours of Operation (Holiday hours may vary, check website for details) • Live Chat available at AccessHealthCT.com • Visit one of our Enrollment Locations • Find a Broker or Certified Application Counselor (CAC) near you Call Center Days & Hours of Operation Monday – Friday: 8:00 a.m. – 4:00 p.m. What docume	The Open Enrollment Period for 2026 health and dental insurance coverage begins November 1, 2025. Residents may be able to enroll at any time through Access Health CT if they: • Are an American Indian or Alaska Native • Qualify for HUSKY Health (Medicaid/Children's Health Insurance Program) • Qualify for the Covered CT Program • Experience a Qualifying Life Event like losing health coverage through your job, getting married, or moving to Connecticut from another state or country We Are Here to Help • Call us at 1-855-805-4325. Hours of Operation (Holiday hours may vary, check website for details) • Live Chat available at AccessHealthCT.com • Visit one of our Enrollment Locations • Find a Broker or Certified Application Counselor (CAC) near you Call Center Days & Hours of Operation Monday – Friday: 8:00 a.m. – 4:00 p.m.
Continue the following text in a coherent and informative manner	Essential Health Benefits Written by Yessenia Milan \| Last published at: October 24, 2024 Read this article to find out what benefits are covered by every health plan available through Access Health CT. If you're paying for health insurance, you should know what is included with your plan and what services you can get at no cost to you. This information does not apply to our Dental Insurance plans. All health insurance plans offered through Access Health CT provide coverage for the same set of Essential Health Benefits. Essential health benefits are minimum requirements for all plans available through Access Health CT. While the cost for certain benefits may vary depending on the selected plan, you can be assured that all plans will provide coverage for: • – Ambulatory patient services (outpatient care you get without being admitted to a hospital) – Emergency room coverage – Hospitalization (such as surgery) – Maternity and newborn care (care before and after your	Read this article to find out what benefits are covered by every health plan available through Access Health CT. If you're paying for health insurance, you should know what is included with your plan and what services you can get at no cost to you. This information does not apply to our Dental Insurance plans. All health insurance plans offered through Access Health CT provide coverage for the same set of Essential Health Benefits. Essential health benefits are minimum requirements for all plans available through Access Health CT. While the cost for certain benefits may vary depending on the selected plan, you can be assured that all plans will provide coverage for: • – Ambulatory patient services (outpatient care you get without being admitted to a hospital) – Emergency room coverage – Hospitalization (such as surgery) – Maternity and newborn care (care before and after your child's birth)
Continue the following text in a coherent and informative manner	Exemptions from the ACA Individual Mandate Written by Yessenia Milan \| Last published at: November 22, 2023 Starting January 1, 2014, the individual shared responsibility provision of the Patient Protection and Affordable Care Act (ACA) required individuals to have Minimum Essential Health Coverage (MEC) each month (known as the "Individual Mandate"), or pay a financial penalty for failure to have MEC (known as the "Shared Responsibility Payment"). Individuals, however, could qualify for an exemption from the Individual Mandate and avoid paying the financial penalty for failure to have MEC. There are several types of exemptions, including, for example, exemptions based on membership in certain religious sects and exemptions based on hardship and affordability. Under the Tax Cuts and Jobs Act, the Shared Responsibility Payment was reduced to $0, effective for months after December 31, 2018. Therefore, starting with the 2019 tax year, individuals do not need to pay the Share	Starting January 1, 2014, the individual shared responsibility provision of the Patient Protection and Affordable Care Act (ACA) required individuals to have Minimum Essential Health Coverage (MEC) each month (known as the "Individual Mandate"), or pay a financial penalty for failure to have MEC (known as the "Shared Responsibility Payment"). Individuals, however, could qualify for an exemption from the Individual Mandate and avoid paying the financial penalty for failure to have MEC. There are several types of exemptions, including, for example, exemptions based on membership in certain religious sects and exemptions based on hardship and affordability. Under the Tax Cuts and Jobs Act, the Shared Responsibility Payment was reduced to $0, effective for months after December 31, 2018. Therefore, starting with the 2019 tax year, individuals do not need to pay the Shared Responsibility Payment.
Continue the following text in a coherent and informative manner	Financial Help and Low/No-Cost Programs Written by Yessenia Milan \| Last published at: October 25, 2024 Most people qualify for some type of financial help, low-cost or free coverage thanks to new laws and programs, including the Inflation Reduction Act (IRA) and new Covered CT Program. Even people who weren’t eligible in the past may qualify for new financial help. Complete One Application to See Your Options Access Health CT is the only place where you can qualify for financial help to lower your health insurance costs or, if eligible, enroll into free or low-cost coverage through HUSKY Health (Medicaid/Children’s Health Insurance Program). Before you begin an application, you can use the Compare Plans tool to enter some basic information about your household—like your tax household size, home address, and household income—to understand your coverage and financial help options. It is our mission to increase the number of insured residents in Connecticut. We part	Most people qualify for some type of financial help, low-cost or free coverage thanks to new laws and programs, including the Inflation Reduction Act (IRA) and new Covered CT Program. Even people who weren’t eligible in the past may qualify for new financial help. Complete One Application to See Your Options Access Health CT is the only place where you can qualify for financial help to lower your health insurance costs or, if eligible, enroll into free or low-cost coverage through HUSKY Health (Medicaid/Children’s Health Insurance Program). Before you begin an application, you can use the Compare Plans tool to enter some basic information about your household—like your tax household size, home address, and household income—to understand your coverage and financial help options. Access Health CT is the only place where you can qualify for financial help to lower your health insurance costs or, if eligible, enroll into free or low-cost coverage through HUSKY Health (Medicaid/Children’s Health Insurance Program). Before you begin an application, you can use the Compare Plans tool to enter some basic information about your household—like your tax household size, home address, and household income—to understand
Continue the following text in a coherent and informative manner	Form 1095-A Written by Yessenia Milan \| Last published at: January 15, 2025 If you or anyone in your household enrolls in a Qualified Health Plan (QHP) through Access Health CT, you will receive a Form 1095-A from Access Health CT. You will need this Form to complete your federal income tax return — even if you did not receive financial help (Advance Premium Tax Credits) or were only enrolled in a Qualified Health Plan for one month. Individuals enrolled in a Catastrophic plan will not receive a Form 1095-A and they do not need to include information about their Catastrophic plan in their federal income tax return. Access Health CT mails a Form1095-A to the primary tax filer in a household by January 31 of each year. Form 1095-A will have information about the prior coverage year (ex: if you had coverage in 2024, the Form 1095-A will be issued by January 31, 2025). Did You Know? If you have an online account, you can view or print your Form 1095-A online! Sign in at A	If you or anyone in your household enrolls in a Qualified Health Plan (QHP) through Access Health CT, you will receive a Form 1095-A from Access Health CT. You will need this Form to complete your federal income tax return — even if you did not receive financial help (Advance Premium Tax Credits) or were only enrolled in a Qualified Health Plan for one month. Individuals enrolled in a Catastrophic plan will not receive a Form 1095-A and they do not need to include information about their Catastrophic plan in their federal income tax return. Access Health CT mails a Form1095-A to the primary tax filer in a household by January 31 of each year.
Continue the following text in a coherent and informative manner	Form 1095-C Written by Yessenia Milan \| Last published at: January 16, 2025 A 1095-C is a tax form issued by an employer to an employee (and other eligible household members) to show information about the healthcare coverage the employee had. You should expect a Form 1095-C if you had coverage through your employer or through Medicare. The IRS requires all 1095-C's to be issued by January 31st. If you have questions about your 1095-C form, please contact your employer or the Centers for Medicare and Medicaid Services (CMS).	A 1095-C is a tax form issued by an employer to an employee (and other eligible household members) to show information about the healthcare coverage the employee had. You should expect a Form 1095-C if you had coverage through your employer or through Medicare. The IRS requires all 1095-C's to be issued by January 31st. If you have questions about your 1095-C form, please contact your employer or the Centers for Medicare and Medicaid Services (CMS).
Continue the following text in a coherent and informative manner	Help With Your Verifications Written by Yessenia Milan \| Last published at: January 30, 2025 This article has a list of documents that can be used to verify your eligibility or other information. You can also see general information about verifications and instructions for uploading documents. If you still have questions, find help or call us at 1-855-805-4325 (TTY 1-855-789-2428 or contact us at 1-855-805-4325 with a relay operator). If you received a letter from us asking you to submit documents to confirm your eligibility for healthcare coverage, follow the steps described below. Even if you have enrolled and started using your plan, you may lose your coverage or financial help if we don't receive these documents from you by the deadline indicated in the letter. The letter you receive will tell you what kind of information we need, such as: • Proof of Income • Proof of Identity • Proof of U.S. Citizenship or U.S. National Status • Proof of Lawful Presence/Imm	This article has a list of documents that can be used to verify your eligibility or other information. You can also see general information about verifications and instructions for uploading documents. If you still have questions, find help or call us at 1-855-805-4325 (TTY 1-855-789-2428 or contact us at 1-855-805-4325 with a relay operator). If you received a letter from us asking you to submit documents to confirm your eligibility for healthcare coverage, follow the steps described below. Even if you have enrolled and started using your plan, you may lose your coverage or financial help if we don't receive these documents from you by the deadline indicated in the letter. The letter you receive will tell you what kind of information we need, such as: • Proof of Income • Proof of Identity • Proof of U.S. Citizenship or U.S. National Status • Proof of Lawful Presence/Imm
Continue the following text in a coherent and informative manner	How can I get the most from my healthcare coverage? Written by Yessenia Milan \| Last published at: February 19, 2025 • Schedule your annual in-network checkup • Use in-network benefits wherever possible. • Find the right primary care doctor for your needs. You can search for a doctor on your insurance company’s website. • Fill prescriptions at in-network pharmacies, and take advantage of generic drugs and mail order programs, if offered by your insurance company. They are usually the cheapest options for the prescriptions you may need. • Always remember to pay your premiums on time so that you can avoid coverage delays or lapses in coverage. • Call your carrier directly with questions and learn more about their resources. For more information, click here.	Getting the most out of your healthcare coverage can be a daunting task. Here are some tips to help you get the most out of your healthcare coverage.
Continue the following text in a coherent and informative manner	How Do I Cancel My Coverage? Written by Yessenia Milan \| Last published at: October 02, 2024 Customers enrolled in a Qualified Health Plan (QHP) coverage can cancel their coverage online or by phone with Access Health CT. However, if any member of the household has HUSKY Health coverage (Medicaid/Children's Health Insurance Program) you must call Access Health CT to cancel your coverage. How to Cancel QHP Coverage Requests to end your coverage must go through Access Health CT directly. These requests cannot be processed by your insurance company. You can cancel your Qualified Health Plan by calling us at 1-855-805-4325, or if you have an online account you can cancel your health insurance coverage by signing in to your account and clicking "Additional Actions", and then clicking “End My Coverage.” The Date You Contact Us or Cancel Your Coverage Is Important Coverage is typically terminated at the end of the month in which Access Health CT receives the cancellation r	Customers enrolled in a Qualified Health Plan (QHP) coverage can cancel their coverage online or by phone with Access Health CT. However, if any member of the household has HUSKY Health coverage (Medicaid/Children's Health Insurance Program), you must call Access Health CT to cancel your coverage.
Continue the following text in a coherent and informative manner	Husky Health Coverage Limited Benefit for COVID-19 Testing Written by Yessenia Milan \| Last published at: February 08, 2024 HUSKY Health is Connecticut’s public health insurance program. HUSKY Health is also known as Medicaid or the Children’s Health Insurance Program (CHIP). HUSKY Health is administered by the Department of Social Services in partnership with Access Health CT, our state’s health insurance marketplace. Important: HUSKY Health offers limited coverage that will pay for COVID-19 (coronavirus) testing and a visit with your doctor or medical provider to decide if you need to be tested for COVID-19. This limited coverage is available to most Connecticut residents without health insurance, regardless of your immigration status, and covers: COVID-19 testing, treatment, and vaccinations. This limited COVID 19 coverage is in effect for the duration of the federal Public Health Emergency (PHE). To see if you can get COVID-19 testing limited coverage, you wi	HUSKY Health is Connecticut’s public health insurance program. HUSKY Health is also known as Medicaid or the Children’s Health Insurance Program (CHIP). HUSKY Health is administered by the Department of Social Services in partnership with Access Health CT, our state’s health insurance marketplace. Important: HUSKY Health offers limited coverage that will pay for COVID-19 (coronavirus) testing and a visit with your doctor or medical provider to decide if you need to be tested for COVID-19. This limited coverage is available to most Connecticut residents without health insurance, regardless of your immigration status, and covers: COVID-19 testing, treatment, and vaccinations. This limited COVID 19 coverage is in effect for the duration of the federal Public Health Emergency (PHE). To see if you can get COVID 19 testing limited coverage, you wi ...
Continue the following text in a coherent and informative manner	I'm no longer eligible for Medicaid or CHIP. What are my options? Written by Yessenia Milan \| Last published at: August 29, 2024 If your eligibility has changed and you are no longer eligible for Medicaid/HUSKY Health coverage, you may qualify for a private insurance plan (also called a Qualified Health Plan, or QHP) with an insurance company through AHCT. You may qualify for financial help with paying for a QHP. If you were previously enrolled in Medicaid/HUSKY Health coverage and need to renew your coverage, you may still be eligible for Medicaid. You can re-enroll in a QHP, Medicaid, or CHIP through Access Health CT - online or over the phone at 1-855-805-4325.	If your eligibility has changed and you are no longer eligible for Medicaid/HUSKY Health coverage, you may qualify for a private insurance plan (also called a Qualified Health Plan, or QHP) with an insurance company through AHCT. You may qualify for financial help with paying for a QHP. If you were previously enrolled in Medicaid/HUSKY Health coverage and need to renew your coverage, you may still be eligible for Medicaid. You can re-enroll in a QHP, Medicaid, or CHIP through Access Health CT - online or over the phone at 1-855-805-4325.
Continue the following text in a coherent and informative manner	If I have an out-of-state doctor, will I still have coverage? Written by Yessenia Milan \| Last published at: February 14, 2023 You may be able to keep all of your current physicians, but keep in mind that some doctors outside of our state may be out-of-network. While you can still see them, your insurance provider may not cover as much (or any) of the cost of an out-of-network non-emergency visit. It is important that you contact the insurance company to ask them about their network outside of Connecticut and make sure that you know if your specific doctor is in-network or not. Before you enroll, you should check the Provider Directory of the insurance company of your choice. Lists of in-network providers are available through the insurance company’s website and will also tell you whether the provider is accepting new patients. You will also see a link to search for doctors while you shop and compare plans at AccessHealthCT.com.	You may be able to keep all of your current physicians, but keep in mind that some doctors outside of our state may be out-of-network. While you can still see them, your insurance provider may not cover as much (or any) of the cost of an out-of-network non-emergency visit.
Continue the following text in a coherent and informative manner	Important- Did You Receive a Health Care Coverage Renewal Decision Notice In October? Written by Yessenia Milan \| Last published at: October 28, 2021 If you received a notice with subject line of “Health Care Coverage Renewal Decision Notice,” please be aware that Access Health CT may have sent you incorrect information about your HUSKY Health coverage. What happened? There was a system error that generated a letter to customers, stating that their HUSKY health coverage would be terminated on October 31, 2021. The letter has the subject line “Health Care Coverage Renewal Decision Notice,” and it is dated either October 18, 2021, or October 19, 2021. What are we doing to fix the problem? Access Health CT is working to fix the error. We are currently sending impacted customers a letter to let them know if they were impacted. These customers will have their HUSKY health coverage redetermined correctly by October 31, 2021. They will then be able to review their correct	If you received a notice with subject line of “Health Care Coverage Renewal Decision Notice,” please be aware that Access Health CT may have sent you incorrect information about your HUSKY Health coverage. What happened? There was a system error that generated a letter to customers, stating that their HUSKY health coverage would be terminated on October 31, 2021. The letter has the subject line of “Health Care Coverage Renewal Decision Notice,” and it is dated either October 18, 2021, or October 19, 2021. What are we doing to fix the problem? Access Health CT is working to fix the error. We are currently sending impacted customers a letter to let them know if they were impacted. These customers will have their HUSKY health coverage redetermined correctly by October 31, 2021. They will then be able to review their correct
Continue the following text in a coherent and informative manner	Income Used on Application Written by Yessenia Milan \| Last published at: February 19, 2025 When you apply for healthcare coverage through Access Health CT, we will ask about your household income – more specifically, your Modified Adjusted Gross Income (MAGI). We need this information to complete your application, and to see if you qualify for programs like Medicaid (HUSKY Health/Children’s Health Insurance Program) or for financial help in the form of tax credits or cost-sharing reductions for a Qualified Health Plan (QHP). Your Current Monthly Income vs. Yearly MAGI Income When you apply for healthcare coverage through Access Health CT, we may ask you to provide your current monthly and yearly income. • Current month's income is used to determine eligibility for Medicaid (known as Husky A and Husky D) and the Children's Health Insurance Program (known as CHIP or HUSKY B). • Yearly income is used to determine eligibility for financial help (Pr	When you apply for healthcare coverage through Access Health CT, we will ask about your household income – more specifically, your Modified Adjusted Gross Income (MAGI). We need this information to complete your application, and to see if you qualify for programs like Medicaid (HUSKY Health/Children’s Health Insurance Program) or for financial help in the form of tax credits or cost-sharing reductions for a Qualified Health Plan (QHP). Your Current Monthly Income vs. Yearly MAGI Income When you apply for healthcare coverage through Access Health CT, we may ask you to provide your current monthly and yearly income. • Current month's income is used to determine eligibility for Medicaid (known as Husky A and Husky D) and the Children's Health Insurance Program (known as CHIP or HUSKY B). • Yearly income is used to determine eligibility for financial help (Pr