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Telehealth Insurance in Connecticut

Connecticut-licensed health professionals and pharmacists may provide telehealth within their profession’s scope and standard of care, with patient notice and documented consent at the first interaction. The temporary route for out-of-state mental and behavioral health clinicians seeking a Connecticut license ended June 30, 2025. 1

What Is Virtual Care And Telehealth?

Telehealth liability can cover claims arising from remote health care, such as a video visit or remote monitoring. If you provide care online, match the quote to your clinicians, services and patient locations; cyber and in-person risks need separate review. Read the national Virtual care and telehealth guide.

What to Watch for in Connecticut

  • The First Interaction Has Notice and Consent Duties

    At the first telehealth interaction, a provider must explain treatment methods and platform limitations, obtain consent, and document both in the health record. Providers must have or know the patient’s history and record, give a license number and contact details, and meet the profession’s in-person standard of care. Ask how your intake process captures these duties and which clinicians the policy covers. 1

  • A Temporary Behavioral-Health Route Ended

    Until June 30, 2025, a specified list of out-of-state clinicians could use a temporary Connecticut route only for mental or behavioral health care, within professional scope and standard of care, after registering with the Department of Public Health and maintaining professional-liability insurance or equivalent malpractice indemnity at least equal to comparable Connecticut providers. The statute’s 2026 text limits that route to the past date; verify each clinician’s current Connecticut credential or applicable compact before quoting the exposure. 1

  • Some Schedule II and III Prescribing Is Narrowly Allowed

    Connecticut bars telehealth prescriptions for Schedule I, II, or III controlled substances, with a limited exception for Schedule II or III substances used as part of medication-assisted treatment or to treat a person with a psychiatric disability or substance use disorder, if the prescription fully complies with the federal Ryan Haight Act. The prescriber must also electronically submit a Schedule II or III prescription under §21a-249. Separately, §19a-906(g)(4) preserves telehealth for a hospital inpatient, including orders for any medication or treatment, subject to Ryan Haight. Separate outpatient prescribing and hospital inpatient services in your application, then ask how the policy treats each. 1,2

Who Regulates Insurance in Connecticut

Connecticut Insurance Department

The Connecticut Insurance Department licenses insurance producers and companies, oversees insurers and regulated insurance activity, and investigates insurance complaints. Its complaint and license-search services let you raise an issue or check an insurance professional or company. 3,4,5

Surplus-lines tax and stamping office

Reported tax rate: 4% of gross premium when Connecticut is the home state When Connecticut is the insured’s home state, surplus-lines tax is 4% of gross premium; certain state and local government insureds are exempt, and broker or policy fees are not part of the premium-tax base. Connecticut’s required notice says these policies are outside the state guaranty association. Most placements require three declinations or an export-list qualification; an exempt commercial purchaser may qualify for the federal § 8205 search exception after disclosure and a written request. 6,7,8

Providers With Documented State Licenses

No provider in Spot’s research documents both a state license record and this coverage line. This does not establish that providers are unlicensed. Check the regulator’s license lookup and confirm availability with a provider when requesting a quote.

Questions to Ask Before You Buy in Connecticut

  1. Which Connecticut credentials and any compact privileges authorize each clinician to treat Connecticut patients today?
  2. Does the policy include the first-visit consent workflow, remote records, and the services each profession performs?
  3. Does the application identify clinicians prescribing Schedule II or III drugs for outpatient medication-assisted treatment or psychiatric-disability/substance-use-disorder care, and any hospital inpatient telehealth orders separately?

Virtual Care And Telehealth in Connecticut: FAQ

Can an out-of-state behavioral-health provider still use Connecticut’s temporary pre-licensure telehealth registration? 1

No. That temporary statutory route ended June 30, 2025; verify a current Connecticut credential or applicable compact privilege. 1

Does Connecticut require telehealth consent? 1

Yes. At the first telehealth interaction, the provider must disclose treatment methods and platform limitations, obtain consent, and document notice and consent in the patient’s record. 1

Can a Connecticut telehealth provider prescribe a Schedule II or III controlled substance? 1,2

Yes, in limited cases. Connecticut permits Schedule II or III substances used for medication-assisted treatment or to treat a person with a psychiatric disability or substance use disorder when the prescription fully complies with the federal Ryan Haight Act, and requires electronic submission under §21a-249. A separate provision allows telehealth for hospital inpatients, including medication or treatment orders, subject to Ryan Haight. 1,2

Virtual Care And Telehealth in Other States

Other Coverage in Connecticut

Sources

  1. 2026 Supplement to the General Statutes of Connecticut, Chapter 368ll. Connecticut General Assembly, Legislative Commissioners’ Office; CGS §19a-906(a)(12), (b)(1)–(2), (c), (g)(4), and (k)–(l); 2026 Supplement revised to January 1, 2026; retrieved from official prdext3 host with normal TLS certificate verification. Accessed 2026-09-28.
  2. Public Act No. 25-168, House Bill 7287. Connecticut General Assembly; §116, amendment substituting CGS §19a-906(c); effective from passage and signed June 30, 2025; deletes the non-opioid limitation and states MAT/psychiatric-disability/SUD routes and electronic submission. Accessed 2026-09-28.
  3. Connecticut Insurance Department. Connecticut Insurance Department; Official Department homepage; mission and department resources. Accessed 2026-09-28.
  4. Licensing. Connecticut Insurance Department; Department licensing resource landing page; links to state agent and company license lookup. Accessed 2026-09-28.
  5. Ask a Question or File a Complaint. Connecticut Insurance Department; Online complaint form and consumer affairs helpline. Accessed 2026-09-28.
  6. FAQs: Surplus Lines Brokers. Connecticut Insurance Department; Current tax rate, tax base and exemptions, diligent-search rules, guaranty-fund notice. Accessed 2026-09-28.
  7. FAQs: Surplus Lines Brokers. Connecticut Insurance Department; Question on surplus-lines notice states Connecticut Insurance Guaranty Association does not cover these policies. Accessed 2026-09-28.
  8. 15 U.S.C. § 8205: Streamlined application for commercial purchasers. U.S. House of Representatives, Office of the Law Revision Counsel; Broker's due-diligence search exception for an exempt commercial purchaser requires prior disclosure that admitted-market insurance may offer greater protection/regulatory oversight and the purchaser's subsequent written request for nonadmitted placement. Accessed 2026-09-28.
  9. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  10. Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
  11. Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
  12. About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
  13. Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
  14. Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
  15. Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

Updated .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

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