Transcript Document

Marketplace
Overview
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
• Open for individuals, families and businesses with less
than 50 employees
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Essential Health Benefits
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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
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ConnectforHealthCO.com
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Small Business Marketplace
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92 Health Plans for Small Employers
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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
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Individual/Family Marketplace
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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
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Dental Plans for individuals/families
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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
Open
Enrollment
Begins
Oct. 1
Deadline for
enrollment
to have
coverage
Jan. 1, 2014
Dec. 15
Coverage
begins
Jan. 1, 2014
Individual Open
Enrollment Ends
March 31, 2014
Shopping starts October 1, 2013
Coverage Begins January 1, 2014
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Health Plan Shopping
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Compare Health Plans
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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
o Oct. 1 2013 to March 31 2014
o Oct. 15, 2014 to Dec. 7, 2014 for future years
o You can sign up at other times with qualifying event
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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
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
o Applied by IRS
o 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
o Three levels of reductions based on income
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Financial assistance application process
Shop and
Compare
Advance
Premium Tax
Credit
Medicaid denial
In October, finish
enrollment
through
Customer
Service Center
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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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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.
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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
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Contact
• Website: www.ConnectforHealthCO.com
• Email questions: [email protected]
• Toll-free help by phone: 1-855-PLANS-4-YOU (855752-6749) 7 am to 8 pm Monday to Saturday
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Local Contacts
• Local Email questions: [email protected]
• 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
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