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
WHAT IS LARIMER HEALTH CONNECT DOING DIFFERENTLY DURING THE PANDEMIC?
During these uncertain times, even though our office is currently not taking walk-ins, we are still available to help with your health coverage needs. We are offering virtual appointments through phone and online meetings. We can help you:
Understand how health insurance works
Sort through your options
Find out if you are eligible for financial help
Enroll and work with you until you are covered
Understand your new coverage
What can I expect from a virtual appointment? Your virtual appointment will be a lot like coming into the office, but from the convenience and safety of your own home. Your guide will help you apply and answer any questions about next steps and how to use your new coverage. Here are two short videos to help you get familiar with Zoom before your appointment. At the start of your appointment, your guide can walk you through any other Zoom features that you may need.
No computer or internet? No problem! We offer limited in-person appointments and a virtual workstation for anyone who does not have access to a computer or the internet. Call our office to learn more and schedule an appointment.
La inscripción abierta para el seguro médico a través del Mercado de Connect for Health Colorado, se ha terminado. La próxima Inscripción Abierta comenzará el 1 de noviembre del 2021. Es posible que aún pueda incribirse si ha experimentado un evento de cambio de vida calificado.
No hay fecha límite para inscribirse en Medicaid y CHP +. Se puede inscribir todo el año.
Todavía estamos aquí para ayudarlo a encontrar el mejor seguro médico que satisfaga sus necesidades y su presupuesto.
WHAT DO I NEED TO KNOW ABOUT HEALTH INSURANCE DURING THE COVID-19 PANDEMIC?
Free and lower cost health insurance options do exist! Did you have recently lose your job or experience a change in income? Health First Colorado (Medicaid), Child Health Plan Plus (CHP+), or the Connect for Health Colorado Marketplace may be an option for you and your family.
If you are currently enrolled in Medicaid or CHP+ or have enrolled since March 2020, during the COVID-19 Public Health Emergency...
You will remain covered until the public health emergency ends.
The only exceptions to this are children who are turning 19 and aging off of CHP+ and pregnant women enrolled in CHP+ are only covered through 60 days postpartum. This does not apply to pregnant women enrolled in Medicaid.
Income changes will not affect your benefits
If you are over income, financial help through the Connect for Health Colorado Marketplace may be an option for you.
HOW DOES THE AMERICAN RESCUE PLAN CHANGE HEALTH INSURANCE?
Thanks to the American Rescue Plan, also called the COVID Relief Package, Connect for Health Colorado is now open until at least August 15, 2021. There is more financial help available than ever before and, for the first time ever, individuals and families of all income ranges can qualify for reduced premiums. The biggest changes we are seeing are:
Expanding financial help for more people in 2021 and 2022
Lower threshold for affordable coverage
Removes income cap to receive financial help
Forgiving repayment of extra financial help in 2020
Providing $0 and low-cost premium options if you have been on unemployment for at least one week in 2021
If you are eligible for COBRA due to working less hours or involuntary termination of employment and enroll in COBRA, you may be eligible for a subsidy to pay their full premium from April 1st – September 30th
Already have a plan from Connect for Health Colorado AND receiving tax credits? You can start saving even more! If you’d like to get your savings now, you can login into your account and in 5-minutes you can see the low cost of your new premium. If you do nothing, you will receive a lump sum payment of the extra financial help that was available to you when you file taxes next year.
Already have a plan from Connect for Health Colorado but are NOT receiving tax credits? You can apply for financial help today and enroll in a low-cost premium plan (including staying enrolled in your current plan, but with a lower premium).
Are you currently uninsured? You can apply for a plan with financial help now through August 15th.
Are you on unemployment or have you been on unemployment for at least 1 week in 2021? You may qualify for a $0 health insurance plan that lasts for the rest of the year.
The best way to find out if you qualify for either $0 or low-cost health insurance plan is to use the anonymous Quick Cost and Plan Finder tool or schedule an appointment to work with one of our Health Coverage Guides who can help you navigate enrollment and make sure you are receiving all the financial help you qualify for.
WHAT IF I PREFER NOT TO COME IN?
The Larimer Health Connect office is temporarily closed to walk-ins until further notice due to COVID-19. We are still available to help with your health coverage needs and are providing our service through virtual and phone based appointments. In-person appointments are available for those without access to a computer or the internet. Please call 970-472-0444 or click here to schedule an appointment today.
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 we both 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.
3. Visit www.HealthFirstColorado.com
You can visit the website to check your eligibility, find a doctor, and apply for Health First Colorado (Colorado's Medicaid Program) and Child Health Plan Plus (CHP+).
4. Call 1-800-221-3943
Telephone support is available from the Health First Colorado Customer Service Center at 1-800-221-3943. You can also call us at 970-472-0444 for local help.
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 may have to wait until next fall to sign up, unless you experience certain life changes and are eligible for a Special Enrollment Period on the Marketplace. This includes things like losing your current coverage, getting married or divorced, the birth or adoption of a child, and more. You have 60-days from the date of the event to enroll in a new plan or update your information to have your financial help re-evaluated. There are no deadlines to enroll in Medicaid and CHP+.
WHAT ARE THE DEADLINES TO ENROLL FOR HEALTH COVERAGE?
Open Enrollment for 2021 health insurance ended January 15, 2021. You may still be able to apply for Marketplace coverage if you have experienced a qualifying life-change event. Contact us to learn more and update your coverage now.
We can answer any questions and help you:
shop for Marketplace insurance after a qualifying life-change event
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.
Preventative Care - many services are now free!
Mental Health Services
Maternity and Newborn Care
Rehabilitative and Habilitative Care
HOW DO I RENEW MY INSURANCE?
You can renew your Marketplace coverage during the next Open Enrollment Period that starts November 1, 2021.
If you are enrolled in Medicaid or CHP+, you will receive a notice of redetermination when it is time to renew your coverage. Contact our office with any questions or to get help with the process.
Things you want to keep in mind when checking your plan:
Has the plan itself changed? There are many reasons why your monthly premium, deductible, and prescription drug costs could increase or decrease on the new plan—check to see if this applies to you.
Has your situation changed? Be sure your income and family information is always up to date. It is best to report those changes as they happen. It could also be that if your income has significantly decreased, you or your children may now be eligible tax credits, Medicaid or CHP+.
There may be a plan that works better for your needs. If you have a lot of copays or prescriptions, your total costs could be very different depending on which plan you choose.
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?
Financial help is available and you may have options including Medicaid, CHP+, or Connect for Health Colorado. These plans can have big discounts, and shopping around can help you find a plan that meets your needs and budget. Below are some examples of how individuals and families, if eligible, can reduce their costs when purchasing health insurance:
Premium Tax Credits
If your annual income falls within the ranges below, you may qualify for financial assistance in the form of premium tax credits that you can take in advance to reduce your monthly premium, or you can receive it when you file your taxes for 2020.
A discount that lowers the amount you pay when you receive care. In addition to premium tax credits, cost-sharing reductions are available to those with low-to-moderate income who qualify and who enroll in a silver plan through Connect for Health Colorado. Health insurance plans typically require some form of cost-sharing (also called out-of-pocket costs) when you receive covered health-care services. Cost-sharing reductions help you save on these expenses, which are in addition to your monthly premium, and include deductibles, copayments, and coinsurance. You may be eligible if your income is in the following ranges:
Health First Colorado / Child Health Plan Plus
Free or low-cost health coverage through Health First Colorado (Medicaid) or Child Health Plan Plus (CHP+) may be available to you and your family if your income falls in the ranges below. If you are eligible, you can enroll in these plans year-round, there are no deadlines or enrollment periods. Enrollment is based on your current income. Even if you weren’t eligible last month, you may become eligible at any time. Many people are surprised to learn they can enroll – you never know until you apply.