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Marketplace Overview

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

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  1. Marketplace Overview Latino Health Disparities Conference 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. ConnectforHealthCO.com

  4. Small Business Marketplace 2

  5. 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 12

  6. Individual/Family Marketplace

  7. 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

  8. 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 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. Week One Snapshot: Oct 1 2013 to Oct 7 2013

  19. Week One Snapshot: Oct 1 2013 to Oct 7 2013

  20. 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 12

  21. Contact • Website: www.ConnectforHealthCO.com • Brenda LaCombe: blacombe@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

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