Marketplace Overview

1. Marketplace Overview October 2013

2. 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

3. Essential Health Benefits Ambulatory patient services Emergency services Hospitalization Maternity and newborn care Mental health and substance use disorder services, including behavioral health treatment Prescription drugs Rehabilitative and habilitative services and devices Laboratory services Preventive and wellness services and chronic disease management Pediatric services, including oral and vision care

4. ConnectforHealthCO.com

5. Small Business Marketplace 2

6. 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 • Dental plans available also 12

7. Individual/Family Marketplace

8. 150 Health Plan Choices for Individuals/Families • Access Health Colorado • Anthem Blue Cross and Blue Shield / HMO Colorado • Colorado Choice Health Plans • Colorado HealthOP • Humana (Kit Carson County) • Kaiser Permanente (Lincoln County) • Rocky Mountain Health Plans • UnitedHealthcare 12

9. 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 12

10. 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

11. Health Plan Shopping 12

12. Compare Health Plans 12

13. 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

14. 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 12

15. 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 12 12

16. Financial assistance application process

17. 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 12

18. Partners in Covering Coloradans MEDICAID Who is eligible?  Beginning January 1, 2014, individuals earning up to  133%* of the Federal Poverty Level (FPL) (for 2013,  this equates to about $15,000/year for an individual  or $30,000/year for a family of four) may be eligible  for Medicaid coverage. The Department estimates  over 160,000 newly eligible Coloradans could enroll  in Medicaid.    * The federal government allows for up to 5% disregards,  thus, persons with income up to 138%  of FPL may be  eligible When does coverage begin?   Coverage begins January 1, 2014 for newly enrolled  individuals. 

19. Partners in Covering Coloradans MEDICAID When can Coloradans apply?   Coloradans can apply beginning October 1, 2013, though coverage will not begin  until January 1, 2014. To access additional information  visit or call:   www.Colorado.gov/PEAK   Toll free: 1‐800‐221‐3943  TDD: 1‐800‐659‐2656

20. Contact • Website: www.ConnectforHealthCO.com • Email questions: Info@ConnectforHealthCO.com • Toll-free help by phone: 1-855-PLANS-4-YOU (855-752-6749) 7 am to 8 pm Monday to Saturday 12

21. Local Contacts Local Email questions: AssistanceSite@kitcarsoncounty.org Local help by phone: Kit Carson County Health and Human Services 719-346-7158 Prairie Family Center 719-346-5398 Cheyenne County Public Health 719-767-5616 Lincoln County Public Health 719-743-2526 Lincoln County Social Services 719-743-2404 12