Marketplace overview
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Marketplace Overview. Latino Health Disparities Conference October 2013. What is Connect for Health Colorado? . Competitive marketplace for private health insurance Exclusive way to get new financial help to reduce costs Broad statewide Customer Support Network

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Marketplace overview

Marketplace Overview

Latino Health Disparities Conference

October 2013


What is connect for health colorado

What is Connect for Health Colorado?

  • Competitive marketplace for private health insurance

  • Exclusive way to get new financial help to reduce costs

  • Broad statewide Customer Support Network

  • Open for individuals, families and businesses with less than 50 employees


Connectforhealthco com

ConnectforHealthCO.com


Small business marketplace

Small Business Marketplace

2


92 health plans for small employers

92 Health Plans for Small Employers

  • Anthem Blue Cross and Blue Shield / HMO Colorado

  • Colorado Choice Health Plans

  • Colorado HealthOP

  • Kaiser Permanente

  • Rocky Mountain Health Plans

  • SeeChange Health

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Individual family marketplace

Individual/Family Marketplace


Comprehensive coverage

Comprehensive Coverage

Health plans will provide, at a minimum, the following categories of services, also known as essential health benefits:

  • Ambulatory patient services

  • Emergency Services

  • Hospitalization

  • Maternity/newborn care

  • Mental health/substance abuse

  • Prescription drugs

  • Rehab/habilitative services and devices

  • Laboratory services

  • Preventive and wellness care/chronic disease management

  • Pediatric services, including oral and vision care


150 health plan choices for individuals families

150 Health Plan Choices for Individuals/Families

  • Access Health Colorado

  • Anthem Blue Cross and Blue Shield / HMO Colorado

  • Cigna

  • Colorado Choice Health Plans

  • Colorado HealthOP

  • Denver Health Medical Plan

  • Humana

  • Kaiser Permanente

  • Rocky Mountain Health Plans

  • UnitedHealthcare

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Dental plans for individuals families

Dental Plans for individuals/families

  • Anthem Blue Cross and Blue Shield / HMO Colorado

  • BEST Life and Health Insurance Company

  • Cigna

  • Delta Dental of Colorado

  • Dentegra Insurance Company

  • Premier Access Dental and Vision

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Individual marketplace open enrollment

Individual Marketplace Open Enrollment

  • Deadline for enrollment to have coverage Jan. 1, 2014

Oct. 1 Dec. 15 Jan. 1, 2014 March 31, 2014

  • Open Enrollment Begins

Coverage begins

Individual Open Enrollment Ends

Shopping starts October 1, 2013

Coverage Begins January 1, 2014


Health plan shopping

Health Plan Shopping

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Compare health plans

Compare Health Plans

12


Key changes

Key Changes

  • Starting in 2014, you can not be denied health coverage based on a pre-existing condition or your health history

  • Your health history or medical needs will not affect your ability to apply for health insurance or the cost (except tobacco use)

    • There will be set open enrollment periods for commercial health plans that will provide coverage for the calendar year

      • Oct. 1 2013 to March 31 2014

      • Oct. 15, 2014 to Dec. 7, 2014 for future years

      • You can sign up at other times with qualifying event

12


Affordability

Affordability

  • New resources available based on income

  • Medicaid will be available to many more Coloradans

    • Individuals earning up to about $15,000 a year

  • New kind of tax credit available to Coloradans who earn too much for Medicaid and up to about $45,000 a year for individuals and $94,000 a year for family of 4

  • Tax credit can be used up-front or taken off taxes

  • Health insurance plans with lower co-pays and deductibles also available to certain individuals and families who earn too much for Medicaid

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Income eligibility

Income eligibility

New tax credit to reduce the cost of premiums

  • Individual earning about $15,000 to $45,500/year

  • Couple earning about $21,000 to $62,000/year

  • Family of four about $32,000 to $94,000/year

    • Applied by IRS

    • Amount tied to cost of benchmark plan

      Health plans with lower co-pays and deductibles

  • Individuals earning about $15,000 to $28,500/year

  • Family of 4 earning about $32,000 to $58,500/year

    • Three levels of reductions based on income

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Financial assistance application process

Financial assistance application process


Key takeaways

Key Takeaways

  • Now you have more options to find quality health coverage

  • Connect for Health Colorado offers a broad array of health plan choices in one place

  • Connect for Health Colorado is the only place to access cost savings

  • You can get help over the phone and in-person from a statewide network of trained professionals

  • Sign up by Dec. 15 to have your coverage start Jan. 1; Open enrollment continues until March 31, 2014

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Week one snapshot oct 1 2013 to oct 7 2013

Week One Snapshot: Oct 1 2013 to Oct 7 2013


Week one snapshot oct 1 2013 to oct 7 20131

Week One Snapshot: Oct 1 2013 to Oct 7 2013


Spread the word

Spread the Word!

  • Materials available on website

  • Request a speaker

  • Order brochures and other materials at our online store

  • Follow us on Facebook and Twitter

  • Refer people to website and Customer Service Center

  • Mobile application available in October

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Contact

Contact

  • Website: www.ConnectforHealthCO.com

  • Brenda LaCombe: [email protected]

  • Email questions: [email protected]

  • Toll-free help by phone: 1-855-PLANS-4-YOU (855-752-6749) 7 am to 8 pm Monday to Saturday

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