Frequently Asked Questions

Click the “+” symbol next to a category to view answers to frequently asked questions on that topic. If you don’t find what you need, call Customer Service at:

1-855-HLTHYCT (1-855-458-4928)

Monday – Friday 8:00 a.m. to 6:00 p.m. EST

* Effective February 1, 2017 the hours will be : Monday – Friday 8:00 a.m. to 5:00 p.m. EST

If HCT is non-profit, what happens to the money you make from member premiums?

Unlike for-profit insurance companies, HCT does not have shareholders who benefit when the company makes money. Instead, profits go back to improving programs and services – or keeping premiums low – for you.

What is a health insurance CO-OP?

It is a Consumer Operated and Oriented Plan. HCT started with a loan granted to the Connecticut State Medical Society and its independent physician organization. As a CO-OP, members play an important role in the future of the company. They can vote, or run for seats on the Board of Directors.

How long has HCT been in business?

We sold our first plans in October 2013 and began covering members in January 2014. Our members include people who have bought insurance on their own and others who have coverage through their employer.

Are you the exchange?

Even though our names are similar, we’re not the exchange. The exchange is Access Health CT. We’re a health plan offering healthcare plans on the exchange.

Do you only sell to individuals?

No, we have plans for individuals, small groups (2-50 employees) and large groups (51+ employees). In fact, we may have a plan that’s right for you!

Do you sell plans on the Connecticut Health Insurance Exchange, Access Health CT?

Yes. We sell plans both on and off the exchange.

How many doctors are in your network?

Our network is now over 19,000 providers statewide (including all Connecticut hospitals) and over 750,000 nationwide.