What do I bring to my appointment?

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: 

ENGLISH

FORMS 

FORMAS EN ESPAñoL

What is Larimer Health Connect doing differently during the pandemic?

Our office is now open! We are at our Old Town and Bristlecone locations for in-person appointments and walk-in assistance Monday through Thursday from 8am - 5pm. We continue to offer virtual and phone appointments Monday through Friday. 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 an in-person appointment? You can expect to meet with your guide in a clean and sanitized office with an air purifier running. Your guide will help you apply and answer any questions about next steps and how to use 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. 

La Inscripción Abierta para el seguro médico por medio del Mercado es desde el 1 de noviembre hasta el 15 de enero del 2023

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 and the 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+), Colorado Connect, 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 12 months 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. If you are undocumented, you may be able to enroll in a plan through Colorado Connect. 

Click here for more information about Medicaid and CHP+ and click here for information from the Colorado Department of Healthcare and Policy.

How does the American Rescue Plan change health insurance?

Thanks to the American Rescue Plan, also called the COVID Relief Package, 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. 

  • You can now only spend up to 8.5% of your income on your monthly premium and there is no longer an upper limit on how much you can earn and still qualify. This means less of your money spent on health insurance.

 

Even if you didn't qualify for financial help before, you may now! The best way to find out is to apply. ​​

What is OmniSalud and the Colorado Option?

OmniSalud and the Colorado Option are health insurance plans offered through Colorado Connect, a platform that allows undocumented individuals who are Colorado residents to enroll in a health insurance plan for themselves and their families. 

Depending on your income and family size, you may be able to save money on your health insurance plan when you qualify for SilverEnhanced Savings, a new form of financial help offered only through Colorado Connect. 

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What if I prefer to not come into the office?

The Larimer Health Connect office is now open! We are at our Old Town location for in-person appointments and walk-in assistance Monday - Thursday from 8am - 5pm (closed for lunch 12-1pm daily). We offer phone and Zoom appointments Monday - Friday. Please continue to schedule your appointment by calling us at 970-472-0444 or scheduling online.

Other Resources:

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+.

When can I enroll or change plans?

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Open Enrollment for 2023 health insurance through Connect for Health Colorado and Colorado Connect is NOW through January 15th. Enroll in a plan by December 15th for coverage starting January 1. ​

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 don't 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 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 my health plan?

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

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How do I renew my insurance?

If you are enrolled in Medicaid or CHP+, you are locked into coverage until the end of the Federal Public Health Emergency due to COVID-19. Even if your income changes you will not lose your benefits during the Public Health Emergency. If you receive a notice of redetermination/renewal notice, then complete it as normal. Contact our office with any questions or to get help with the process. 

If you have health insurance through Connect for Health Colorado, Open Enrollment is the time to compare plans and renew your current plan if it still meets your medical needs and budget. Some plans will renew automatically or have a "suggested plan" from Connect for Health Colorado. Review your plan BEFORE you renew!

 

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 your Connect for Health Colorado plan. 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+, Connect for Health Colorado and OmniSalud. These plans 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 may reduce their costs when purchasing health insurance:

Premium Tax Credits

Financial help that lowers the cost of your monthly payment. You can use the tax credit to lower your premium each month or you can get a lump sum payment when you file your taxes. Thanks to the American Rescue Plan, more Coloradans than ever before continue to be eligible for premium tax credits. There is no longer an upper limit on how much you can earn and still qualify for the tax credit. More individuals and families from all income levels are saving more money.

Cost Sharing Reductions

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:

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OmniSalud SilverEnhanced Savings

Available only through Colorado Connect, you could save thousands of dollars if you qualify for SilverEnhanced Savings. These savings include both healthcare services and prescriptions when they are covered and in-network on your plan. Depending on your income and family size, you may be able to save money on your health insurance plan. You may be eligible if your income is in the following ranges:

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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.

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