WHAT DO I BRING TO MY APPOINTMENT WITH LARIMER HEALTH CONNECT? 

In order to better serve you, please click on the appointment checklist to review the items to bring when you meet with one of our specialists.

Please review and complete the forms below and bring them to your appointment to save time during check-in: 

FORMAS EN ESPAñoL

ENGLISH FORMS 

WHAT IF I PREFER NOT TO COME IN?

1. Visit www.ConnectforHealthCO.com 

Connect for Health Colorado ®  is Colorado’s own competitive marketplace to shop for private health insurance for individuals, families and small businesses. You can visit the website to shop for plans and get assistance by online chat. The Health Coverage Specialists at Larimer Health Connect are trained and certified by Connect for Health Colorado. Although the two organizations work together to help people in Larimer County, they are two separate organizations.

2. Call (855) 752-6749 (855-PLANS-4-YOU)

Telephone support is available from the Connect for Health Colorado Customer Service Center at 855-752-6749. Or you can call Larimer Health Connect at 970-472-0444. If your situation is more complex, in-person appointments are recommended. 

WHAT DO I NEED TO KNOW ABOUT HEALTH INSURANCE? 

1. There are options!

Health insurance plans are available for different needs and budgets. You might be eligible for significant discounts.

2. Having health insurance is a relief

It helps protect your health and financial security. One of the top three reasons for bankruptcy is health care costs. Don't go unprotected. 

3. Eligibility changes

Even if you didn't qualify for financial assistance before, you may qualify now.

4. Plans change

Plans, rates, providers networks and prescription drug formulates change every year. If you are already covered, it's important check your plan to make sure it covers everything you need. 

5. Don't miss the deadlines! 

If you miss the deadline, you might have to wait until next fall to sign up, unless you are eligible for Special Enrollment Period. 

WHAT ARE THE DEADLINES TO ENROLL FOR HEALTH COVERAGE?

 

Open Enrollment for 2020 health insurance runs November 1, 2019 through January 15, 2020. For coverage that begins on January 1, 2020, you must enroll or renew your current plan by December 15th. Any coverage purchased on or after December 16th, will begin on February 1, 2020.

If you have a life-change event, contact us to update your coverage now. 

There are no deadlines to enroll in Health First Colorado (Medicaid) or Child Health Plan Plus (CHP+). If eligible, you can enroll at any time of year.

We can answer any questions and help you:
 

  • update and report changes to your income or job status for your current health insurance coverage (Eligibility for Health First Colorado (Medicaid), CHP+, tax credits and cost-sharing reductions is based on income. It is important to update your health coverage provider with changes to income to ensure that you are receiving the appropriate assistance)

  • compare COBRA to Marketplace options

  • understand how to use your health coverage

WHAT IF I DO NOT HAVE HEALTH INSURANCE?

Choosing and signing up for the right health insurance sometimes takes awhile, even if you have help. Don’t put it off!

Check anytime during the year to see if you might qualify for the lowest-cost plans: Health First Colorado (Medicaid) and Child Health Plan Plus (CHP+). Both programs allow enrollment year-round. We can help you determine if you qualify, enroll, report changes in your income or household size and complete redetermination paperwork.

If those plans don’t work for you, we can help you understand the Connect for Health Colorado Marketplace, which offers significant discounts on health insurance for many people. You can enroll in the Marketplace only during open enrollment (unless you have a life change event—such as marriage or divorce, a new child, some moves, loss of other health coverage - that qualifies you for special enrollment anytime in the year). 

WHAT SERVICES ARE COVERED BY HEALTH INSURANCE?

Qualified health plans available on the Connect for Health Colorado Marketplace must include the following benefits:

 

The portion of patients' costs will vary depending on the plan selected. Remember to compare deductibles, co-payments, co-insurance, and maximum out of pocket limits when you choose your insurance. Having health insurance helps provide peace of mind, knowing that if you get sick or injured, or have a chronic disease, it will be easier to get the care you need without losing everything.

  • Doctor Visits

  • Preventative Care - many services are now free!

  • Hospitalization

  • Emergency Care

  • Prescription Drugs

  • Laboratory Services

  • Mental Health Services

  • Maternity and Newborn Care

  • Pediatric Care

  • Rehabilitative and Habilitative Care

HOW DO I RENEW MY INSURANCE?

If you have insurance, have you checked to see if your plan still meets your needs and budget? Plan costs can change, and so can your health-care needs. Open enrollment is the time to consider renewing or changing plans. Larimer Health Connect can help you review your options.

IS THERE A WAY TO LOWER MY COSTS?

Many people are now eligible for the new options that can help reduce costs.

It’s a good idea to check and see if any of them apply to you:

Advance Premium Tax Credits (APTC) and Cost Sharing Reductions (CSR) are available.

 

The Advance Premium Tax Credit is determined on a sliding scale, based on income. This APTC reduces the cost of each month’s premium. You may be eligible for this tax credit if, for example, you are:

Cost sharing reductions or help with out-of-pocket costs (like deductibles and copays) are available to people with low and moderate income levels who purchase insurance through the Marketplace.You may be eligible for health plans with lower deductibles, co-payments, or coinsurance if you are: