marketplace overview latino health disparities conference october 2013
TRANSCRIPT
Marketplace Overview
Latino Health Disparities ConferenceOctober 2013
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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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ConnectforHealthCO.com
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Small Business Marketplace
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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
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Individual/Family Marketplace
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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
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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
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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
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Individual Marketplace Open Enrollment
Shopping starts October 1, 2013Coverage Begins January 1, 2014
Oct. 1 Dec. 15 Jan. 1, 2014 March 31, 2014
Open Enrollment
Begins
Deadline for enrollment
to have coverage
Jan. 1, 2014Coverage begins
Individual Open Enrollment Ends
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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 yearo 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 IRSo 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
Medicaid denial
Advance Premium Tax
Credit
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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Week One Snapshot: Oct 1 2013 to Oct 7 2013
Total website unique visitors
162,941 (57% new visitors vs returning visitors, highest number coming from along Front Range)
Most popular pages Get Started – individuals and families, Browse Plans, Individual Shop Now, tax credit calculator, account sign-in
Most common questions Create account, general eligibility
Availability of website 97.25%
Web pages serviced within 5 seconds 98.0%
Total customer accounts created 18,174
Total calls and chats serviced 9,658
Average call and chat wait time 5 minutes 44 seconds
Percent of calls answered within 20 seconds 33%
Average call and chat length 13 minutes 15 seconds
Enrollments 226
Covered Lives 305
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Week One Snapshot: Oct 1 2013 to Oct 7 2013
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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
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Contact
• Website: www.ConnectforHealthCO.com• Brenda LaCombe:
[email protected]• Email questions: [email protected]
• Toll-free help by phone: 1-855-PLANS-4-YOU (855-752-6749) 7 am to 8 pm Monday to Saturday