Welcome to HealthyCT’s website. Thank you for visiting us online.

When you visit us, we will not collect personal information about you unless you provide it to us. We will use any personal information you provide only as stated on the page where you provide it. When you need to, or the law requires you to update your personal information, you can do so either by updating your online profile/account or by communicating with us in another way. Specific pages will provide you with more information on this.

We will not sell or disclose your personal information outside of HealthyCT unless it is necessary for our vendors to perform services for us, authorized by you, or required or allowed by law. In all instances, we will abide by all applicable laws and/or regulations when we disclose information.

Collecting and Using Personal Information

We may collect information in three ways on our website:

  1. If you set up an account on our website in order to access online applications, tools, or services, you will provide us with personal information in order to create the account. This is important because we need some basic information about you in order to meet your needs. Providing this information is voluntary, and HealthyCT will not collect personal information about you without your knowledge.
  2. When you visit our website, we may also collect information that does not identify you personally but provides us with other data, such as the number of visitors to our site or the web pages that are visited most frequently. We may also use “cookies” to help improve our site by tracking your browsing habits and to store your preferences. A “cookie” is a small file created by an internet site to store information on your computer. Only the website that created the “cookie” can read it. In addition, a “cookie” cannot read data on your computer or make your computer do anything. However, it can help a website recognize repeat users, track usage patterns and better serve you when you return to the site. A “cookie” does not extract any personal information about you.
  3. If you submit an online application, or if an agent/broker submits one on your behalf, we record the IP (Internet Protocol) address the application is submitted from. We use this information to help prevent and detect fraud and abuse.
Linking to Other Websites

From time to time, we may provide links to other websites we think might interest you. We don’t own or control these sites so we can’t be responsible for their privacy practices or accuracy. By giving you a link to a non-HealthyCT website, we are not endorsing that site. You may want to review the privacy statements of these other sites as well.


We protect your privacy in many ways. We have strict security standards designed to protect your non-public personal information against accidental or unauthorized access. These security measures include administrative, physical and technical barriers that protect the information stored on our website.

Use of Email

We may provide email links on our site to make communications easier, faster, more convenient and less expensive. However, information collected through email may be shared with our customer service department and third parties that perform services for us. Unless otherwise indicated, email is not a completely secure or confidential means of communicating with us. If messages are not encrypted, others on the Internet may view them without your knowledge or consent. Therefore, if you are communicating confidential information, we suggest that you contact us via telephone using one of the telephone numbers on our website or on your HealthyCT ID card. We, or our vendors, will only use secure email to communicate information that includes Personal Health Information.

Opting Out

If you do not want us to collect information about you online, you should avoid using our online services. You are free to communicate with us via telephone, fax or mail. You may also opt out of receiving email communications from us. You can opt out by contacting us and asking that we remove you from our email list.


If you have any questions about this Notice, please call the Compliance Help Line at 855-898-2667.

Changes to this Privacy Statement

We may change this Privacy Statement from time to time. When we make changes, we update the date below. We encourage you to periodically review this Privacy Statement to see if there have been any changes that apply to you.

Notice Of Privacy Practices



The effective date of this Notice is May 7, 2015

Protecting your confidential information is our top priority. That’s why we maintain policies, procedures and safeguards to ensure the protection of our members’ sensitive information in any format, whether oral, written or electronic. In addition, our staff receives HIPAA compliance training.

This notice explains how your health information may be used or released by us in administering your benefits and explains your legal rights regarding the information.

If you have any questions about this Notice, please call the Compliance Help Line at 855-898-2667.

Our Obligations

We are required by law to:

  1. Maintain the privacy of your health information and to provide you with notice of our legal duties and privacy practices.
  2. Comply with the terms of our Notice currently in effect.

We may change our practices and apply the new practices to health information we maintain, including health information we already have and health information we create or receive in the future. Should we make material changes, we will make the revised Notice available to you by posting it on the internet at

Note that even if you are no longer enrolled with us, we may keep your personal information to carry out our plan obligations as discussed in this Notice. However, the policies and procedures that safeguard your information against inappropriate use and disclosure apply regardless of termination status.

Use & Disclosure of Personal Information

In order to provide insurance coverage to you, we need personal information about you. We obtain that information from a variety of sources including you, your employer or benefits plan sponsor, other insurers, third-party administrators, physicians and other health care providers. In order to administer your benefits, we may use and disclose personal information about you in various ways, including:

  1. For Treatment. We may use and disclose your health information to physicians, pharmacies, dentists, hospitals and other health care providers who provide care to you. Doctors may request information to add to their records. We may provide to your primary care provider information about your visits to other providers to promote proactive management and coordination of your care. We may also use personal information when providing mail order pharmacy services to you and when sending information to physicians for treatment-related or patient safety purposes.
  2. For Payment. To help pay for your services, we may use and disclose personal information in a number of ways including determining eligibility, collecting premiums, calculating cost-sharing amounts, analyzing formulary compliance, coordinating care and responding to complaints. We mail explanation of benefits documents to the address we have on record. If you have created an online profile/account, claims information may also be available on our website.
  3. For Health Care Operations. We may use and disclose your personal information in the course of running our health insurance company. Examples include using the information for underwriting, detection of fraud or facilitation of a sale, merger or other business transaction with another company, as well as general administrative tasks such as customer service.
The following are other uses and disclosures we may make without your written authorization or permission:
  1. As Required By Law. We may disclose your health information when the law requires us to do so.
  2. Persons Involved in Your Care or Payment for Your Care. Unless you disagree, we may disclose health information about you to a family member, close personal friend or other person you identify (including clergy) who is involved in your care or payment for your care. For example, if your adult son or daughter calls us with prior knowledge of a claim, we may confirm whether or not the claim has been paid.
  3. Research.Your health information may be used for research purposes without your authorization, but only after the necessary measures are taken to protect your privacy.
  4. Plan Administration. Your health information may be disclosed to your employer (for group health insurance plans) when we have been informed that appropriate language has been included in your plan documents or when summary data is disclosed to assist in bidding or amending a group health plan.
  5. Health Oversight Activities and Public Health Activities. We may disclose your health information for public health activities authorized by law or to a state or federal agency responsible for overseeing the health care system.
  6. Public Welfare. We may disclose your health information to address matters of public interest as required or permitted by law (threats to public health/safety, national security, child abuse/neglect).
  7. Judicial and Administrative Proceedings. We may disclose your health information in response to a court or administrative order.
  8. Business Associates.We may disclose your health information to a person or company that provides services on our behalf and who has agreed to abide by this Notice.
  9. Industry Regulation. We may disclose your health information when required by state insurance departments, boards of pharmacy, the U.S. Food and Drug Administration, the U.S. Department of Labor and other government agencies that regulate us.
  10. Law Enforcement. We may disclose your health information to federal, state and local law enforcement officials if certain requirements are met.
Special regulations regarding disclosure of Psychiatric, Drug and Alcohol abuse and HIV related information

Special restrictions apply to the release of health information concerning psychiatric conditions, drug and alcohol abuse and HIV-related information. Generally, your specific permission to release this information will be required.

Uses and Disclosures Requiring Your Written Authorization

We require a written authorization prior to using or disclosing health information for purposes not listed above. For example, we will get your permission for marketing purposes that are unrelated to your benefit plan, related to the sale of your health information and for other reasons as required by law.

If you have given us an authorization, you may revoke it at any time to the extent that we have not already acted on it. To revoke an authorization, send us a letter stating that you would like to revoke your authorization. Provide your name, address, member ID number, the date the authorization was given and a telephone number where you can be reached.

Your rights regarding your Health Information

You have the following rights regarding your health information:

  1. Right to Request Restrictions. You have the right to request that we limit the way we use or disclose your health information for treatment, payment or health care operations. However, we are not legally required to agree to your request except under limited circumstances. You also have the right to ask us to restrict disclosures to persons involved in your health care.
  2. Right to Request Confidential Communications. You have the right to request that we communicate with you concerning your health matters in a certain manner or at a certain location. For example, you can request that we contact you only at a certain phone number. We will make every effort to accommodate your reasonable requests.
  3. Right of Access to Personal Health Information. You have the right to review and, upon written request, obtain a copy of your health information except under certain limited circumstances. If we use or maintain your protected health record electronically you have the right to obtain a copy of your health information in an electronic format, and, if you choose, we will transmit a copy directly to a health care provider or person designated by you, provided that such choice is clear, conspicuous, and specific. We may charge a reasonable fee for making the paper or electronic copies.
  4. Right to Request Amendment.You have the right to request that we make changes to existing health information or add missing information. Your request must be made in writing and must state the reason for the requested change. We may deny your request under certain circumstances. If we deny your request to make changes, we will give you written notice, including the reasons for the refusal. In that event, you have the right to submit a written statement disagreeing with the denial.
  5. Right to an Accounting of Disclosures. You have the right to request an “accounting” of your health information. This is a listing of certain releases of your health information made by us or by others on our behalf. There may be a reasonable fee for the accounting.
  6. Genetic Information. Your genetic information cannot be used for underwriting purposes.
  7. Right to a Paper Copy of This Notice. You have the right to obtain a paper copy of this Notice at any time or you may get a copy of the Notice at our website,
  8. Notification of Breaches of Your Health Information. You have the right to receive written notification of any breach of your unsecured protected health information as that term is defined under the law.
For information about this notice OR to report a concern regarding our Privacy Practices

Our duties and your rights are set forth more fully at 45 C.F.R. part 164.

We will not retaliate against you in any way for filing a complaint against HealthyCT.

If you believe that your privacy rights have been violated, you may contact us

or write to:

The Office of Civil Rights
U.S. Department of Health and Human Services
200 Independence Avenue, S.W., Room 509 F, HHH Building
Washington D.C. 20201.

If you have any questions or want to file a complaint with us, you can:

Call: 855-208-1641

or write to:

PO Box 33728
Attn: Claim Submissions
Indianapolis IN 46203-0728

This website offers information about HealthyCT, as well as our products, programs and services. You also can use it to enroll in one of our plans or – after you become a member – to access information about your benefits and claims. The following terms outline what you can expect from us, including how we use and protect your personal information. They also cover what we expect from you when you connect with us online. Please note that the content on this website should not be considered medical advice – it does not replace talking to your health care provider. If you are experiencing a medical emergency, you should seek emergency medical attention, such as by calling “911.”

These Terms of Use describe the rules for using this website. It is really important for you to take some time to read these Terms of Use because they are a binding agreement. We know it is a lot to read, but we think it is important that you know everything you are agreeing to!

By using this site, you agree to the most recent Terms of Use as well as the most recent version of our Privacy Policy. We may change these Terms of Use at any time, and we will post these changes on this or a similar page of the website. So, please review these Terms of Use when you use the website. By continuing to use the website, you consent to any changes in the Terms of Use. If you do not agree to these Terms of Use, please do not use this site.


As a member of HealthyCT, you’re actually a part of our non-profit organization. Any “profits” or proceeds must go back into the organization to benefit our members – individuals like you.

HealthyCT is a Consumer Operated and Oriented Plan (CO-OP). Co-ops like HealthyCT are under development in many states across the country and all have received their initial funding from the federal government as part of healthcare reform. A CO-OP is a member-run, non-profit organization that provides individuals, families and small businesses with comprehensive, quality healthcare coverage at fair, consistent rates.

On this website,, you can get immediate access to information about us, the health insurance plans we offer and their costs. You also can:

  • Get a quote
  • Apply for health insurance
  • Search for a doctor, hospital, or pharmacy in our network
  • Check the status of your claim and your claims history
  • View a Schedule of Benefits
  • Sign up to receive email alerts
  • View and update your insurance information
License and Website Use

Subject to these Terms of Use, HealthyCT grants you a license to view the content on this website for the purpose of gathering information regarding our plans and related activities, such as enrolling in a plan. This license is limited to these activities and is granted to you. It cannot be transferred to someone else. It also is nonexclusive and revocable; this means we grant licenses to others, and we can revoke the license at any time after granting it.

Under this license, you may print a reasonable number of copies of the content for your personal use. HealthyCT and our vendors hold all rights, title and interest in and to the website – including the content, and all intellectual property rights. We are not transferring any ownership interest to you by virtue of our making the content available on the website, granting this license or entering into this agreement.

Some web pages operated by HealthyCT include trademarks or logos belonging to other third parties and are used pursuant to an agreement with these parties.

We may terminate this license at any time for any reason. If we take this step, you must stop using this website, including all content.

This Next Section is About You. By accepting the Terms of Use:

You agree to:

  • Act in a responsible, truthful, accurate manner regarding information about yourself and your dependents.
  • Create an account only for yourself, those you are a legal guardian for, or those HealthyCT members who have given you Power of Attorney or other formal authority to act on their behalf.
  • Keep your user name and password safe and secure to make sure no one else can access your account.
  • Contact us right away if you think, or become aware that, someone else has access to or has made changes to your account.
  • Only use the information you find on our website for personal use.
  • Call our toll free number, 1-855-HLTHYCT (1-855-458-4928), whenever you have a change in personal information. Some important changes are changes in marital status, legal guardianship, and/or dependents reaching a certain age.

You agree not to:

  • Give us any false information.
  • Create a user name that is offensive, obscene, or unlawful.
  • Create a user name intended to impersonate another user.
  • Collect or gather personal information about other users.
  • Disclose information about or harass any other person on or through the website.
  • Delete or edit any information on this website, unless it is information about you.
  • Use any device or program to interfere or to try to interfere with the proper operation of this website.
  • Do something that would cause our website supporting system to overload.
  • Try to disrupt, ruin, impair, or violate the integrity or safety of the website’s infrastructure, for example hacking.
  • Perform any activities that could lead to a security breach, for example scanning or probing activity.
  • Engage in any behavior that permits network or hosting activities that result in blacklisting or blocking of our IP Space.
  • Remove or obscure the copyright notice or other notices, content, trademark, logo, or other proprietary information on the website.
  • Copy, reprint, modify, distribute, assign, sell, license or recreate content that you have gotten from our website or from any third-party website we provide links to (other than printing a reasonable number of copies for your own personal use).
  • Use this website in any way that would affect the website’s resources and its availability to others.
  • Use the website in any way that violates US federal, state or local law.

To maintain your online account with HealthyCT, you will need to comply with the responsibilities above. We rely on you to show good faith and judgment, but we will have the right to close your account if you:

  • Don’t comply with your responsibilities.
  • Provide false information.
  • You are no longer covered by a HealthyCT plan. Once you are no longer covered by HealthyCT, you will have 12 months access to your account.
This Section is About You and Accessing HealthyCT through Email or a Mobile Device

HealthyCT will protect your data according to our Privacy Policy and Terms of Use; however, you have some responsibilities too:

  • Make sure you update your information in your account if you change your phone number.
  • Have privacy settings like passwords or screen locks, and do not let others access your mobile device or email.
  • Consider the risks of unsecure technology; for example, text messaging generally isn’t secure unless it’s been encrypted.
  • Know your mobile contract, wireless fees, and mobile phone /device coverage.
  • Understand that additional data can be collected by your mobile network or other mobile applications.
  • Make sure to let us and your mobile service provider know if your phone or other mobile device is stolen or lost.
  • Be aware of the mobile memory and data stored on your phone/device.
No Warranties




Limitation of Liability


Notice and Procedure for Making Claims of Copyright Infringement

If you believe this site infringes on an existing copyright, you should notify our Designated Agent [pursuant to Title 17, United States Code, Section 512(c)(2)]. Notification must be submitted to the following Designated Agent:

HealthyCT, Inc.
Attention: General Counsel
35 Thorpe Avenue, Suite 104
Wallingford, CT 06492

To be effective, the notification must be in writing and include the following:

  1. A physical or electronic signature of the owner – or person authorized to act on behalf of the owner – of an exclusive right that is allegedly infringed;
  2. Identification of the copyrighted work claimed to have been infringed. A single notification can cover multiple copyrighted works at a single online site but it must include a representative list of such works at that site;
  3. Identification of the material that is claimed to be infringing, or is the subject of infringing activity. This is the information the notification seeks to have removed or have the access to disabled. The information identified must be reasonably sufficient to permit the service provider to locate it on the website;
  4. Information reasonably sufficient to permit the service provider to contact the complaining party, such as an address, a telephone number and, if available, an electronic mail address at which the complaining party may be contacted;
  5. A statement that the complaining party has a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent or the law; and
  6. A statement that the information in the notification is accurate and, under penalty of perjury, that the complaining party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.
Privacy Statement

Please take some time to look at our online Privacy Statement. It is a part of our Terms of Use. This statement tells you about how we collect and use information you give to us. It also includes your rights when it comes to this information.

Please note that the Privacy Statement can be revised from time to time. Be sure to check back for updates!

Online Security

We’ve designed this website to provide you with information that is helpful, easy to use and available when you need it. But, as with all electronic communications, there are some risks:

  • In the event of a failure in hardware, software and/or internet connections we are not responsible for failures, distortions, delays, or other problems that result from equipment configuration, connection, signal power, hardware, software or any equipment used to access the internet.
  • The confidentiality or security of electronic transmissions via Internet cannot be assured or guaranteed because of potentially unsecure computers and links. Your data could become lost or intercepted during any transmission, make sure to always use good judgment when sending information through the Internet.
Third-Party Website Links

HealthyCT’s website includes links to other websites and resources hosted by independent parties. They give you convenient access to information you may be interested in. We are not endorsing these sites or their services. We also cannot guarantee the accuracy, relevance, completeness, or appropriateness of independent third-party websites or the information, products, or services they provide. It is up to you whether you would like to access these websites, along with the content and services. The websites you access may have their own terms of use and privacy agreements that you should review.

HealthyCT Website Content

We work hard to ensure that information on this website is accurate and up to date. But this site does not include everything you need to know about us and HealthyCT plans – or your benefits and coverage if you are a member. The content on this site does not replace or change the information in the Certificate of Coverage, your plan contract. You should always refer to and follow that contract language, along with your others rights and responsibilities under the plan.

Information Displayed on

The products on this website are only available to people and businesses residing in or located in Connecticut. The medical and health-related information on this website is for general information purposes only. It should not be used in place of professional medical advice, diagnosis or treatment. You should also not diagnose yourself without consulting your doctor.

If you have any questions about HealthyCT plans, benefits or claims, call us at:

– Not a member? Call 855-HLTHYCT (855-458-4928)

– Already a member? Call 855-208-1641

For specific medical questions, call your doctor.

Effective Date

The effective date of these Terms of Use is September 9, 2013.

Why are you receiving this?

HealthyCT, Inc. (“HCT”) is subject to various privacy laws. This Privacy Notice is about the federal Gramm-Leach-Bliley Act (“GLBA”). This law regulates what health insurance companies can do with your “personal information.” We are required to provide our Members this notice after enrolling with HCT and then on at least an annual basis. This notice describes what personal information we collect about you and when we may disclose this information.

We also provide Members a separate Notice of Privacy Practices to comply with the Health Insurance Portability and Accountability Act (“HIPAA”). The HIPAA Notice of Privacy Practices describes our obligations under HIPAA and the ways in which we may use and disclose “protected health information” about you.

Both notices are available at ­­­­­­­­­­­, or you may request a paper copy of each by calling the Compliance Helpline at 1-855-898-2667.

What is “personal information”?

“Personal information” is any information that identifies an individual, including information related to an insurance transaction from which judgments can be made about an individual’s character, habits, avocations, finances, occupation, general reputation, credit, health or any other personal characteristics. “Personal information” includes but is not limited to an individual’s name and address and healthcare information. “Personal information” can relate to former Members.

How do we collect personal information? What personal information do we collect?

We may collect personal information about our Members and individuals who apply for coverage. We collect personal information, for example, when you apply for insurance, pay insurance premiums, file an insurance claim, provide employment information, and provide your contact information. We may collect personal information from other sources, such as your healthcare providers who submit bills to us for the services they provide to you, and other insurance companies for coordination of benefits purposes.

We collect various types of personal information, including:

  • Demographic information, such as name, address, age, Social Security number, and contact information;
  • Your health information that we receive from you and healthcare providers;
  • Information related to payment and claims; and
  • Information related to applications for coverage and investigating claims for benefits.

Except as permitted by law, we will only collect information from you, or from other sources with appropriate authorization.

When may we disclose personal information to third parties?

We will only disclose personal information about you as allowed by applicable law or with prior authorization. We may disclose your personal information without prior authorization:

  • To third parties so that they can perform business, professional, or insurance functions for us;
  • To third parties so they can help us determine Member eligibility or detect or prevent criminal activity, fraud, or misrepresentation in connection with an insurance transaction;
  • To healthcare providers to verify coverage or benefits, inform a Member of a medical problem of which the Member may not be aware, or conduct an audit to verify treatment;
  • To the extent allowed by law, to an insurance regulatory authority;
  • To the extent allowed by law, to law enforcement or other government agency to protect HCT and prevent or prosecute fraud;
  • In response to certain court or administrative orders, subpoenas, search warrants, and other legal process;
  • For actuarial or research studies, provided that certain legal requirements are met;
  • In connection with the potential sale, merger, consolidation, or transfer of all or a part of our business;
  • To group policyholders for the purpose of reporting claims experience or conducting audits of HCT;
  • To professional peer review organizations to review the services or conduct of a healthcare provider;
  • To a certificate holder or policyholder to provide information about the status of an insurance transaction;
  • As permitted by law, to lienholders, mortgagees, assignees, lessors, or other persons who may have a legal interest in a policy;
  • To any affiliates of HCT whose only use of the information will be to audit HCT;
  • To governmental agencies for the purpose of protecting public health and welfare when reporting is permitted or required by law;
  • For treatment, healthcare operations, and payment purposes as allowed by HIPAA; and
  • As otherwise required or permitted by law.

We will not disclose your personal information to third parties for marketing purposes without your prior authorization.

Information obtained by persons or entities that assemble or collect information for health insurance companies may be retained by such persons or entities and disclosed to other persons.

What are your rights with respect to personal information?
  • You have the right to access your recorded personal information by submitting a written request to HCT’s Privacy Officer at the address provided below.
  • You have the right to know the source of information and the identity of persons and institutions to whom we have shared such information in the 2 years prior to your request.
  • You may review your personal information in person or obtain copies. We may charge a reasonable fee to cover costs in providing copies.
  • You have the right to request that we correct, amend, or delete your personal information. We are not required to agree to a request. We will let you know our decision within 30 days after receiving your request. If you disagree with our decision, you may file a rebuttal statement with us.
  • You have the right to know the reasons for an adverse underwriting decision. Previous adverse underwriting decisions may not be used to as the basis for subsequent underwriting decisions unless we make an independent evaluation of the underlying facts.
  • You have the right, except for very narrow exceptions, not to be subjected to pretext interviews.
How do we protect your personal information? Who has access to your personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

We give access to personal information only to those persons needing to know such information to perform their functions for HCT. We train our employees on how to protect personal information. Employees who violate HCT’s privacy policies and procedures are subject to discipline, up to and including termination.

Changes to our policies and procedures

We reserve the right to change our policies and procedures on personal information at any time. We will notify you when we make material changes.

Conflicts between HCT’s Privacy Notice and HCT’s Notice of Privacy Practices

In the event that there is a conflict between the privacy protection afforded to your protected health information under this Privacy Notice and HCT’s Notice of Privacy Practices, the document affording you greater privacy protection or a greater right with respect to your protected health information will determine how we use or disclose your protected health information.

For more information

If you have questions or would like more information, you may contact HCT’s Privacy Officer at or 1-855-898-2667.