Orlando Harmon
Colorado offers a variety of health insurance options for its residents, including Health First Colorado, Child Health Plan Plus (CHP+), and Connect for Health Colorado. Health First Colorado, also known as Colorado's Medicaid program, provides free or low-cost health care for children and adults who meet specific monthly income requirements. It offers physical health, dental, and behavioral health benefits, and there is no open enrollment period, allowing residents to sign up at any time during the year. CHP+ is a similar public low-cost health insurance program with different qualifying rules, catering to certain children and pregnant women. Connect for Health Colorado is the official health insurance marketplace for Colorado residents, where they can shop for health plans and access financial help. It also provides reduced-cost health insurance coverage for those who qualify.
| Characteristics | Values |
|---|---|
| Health Insurance Provider | Health First Colorado |
| Health First Colorado | Colorado's Medicaid program |
| Who is it for? | Colorado children and adults who qualify |
| How to qualify | Meet specific monthly income requirements |
| Enrollment | Year-round |
| Application | Connect for Health Colorado or Colorado's Program Eligibility and Application Kit (PEAK) |
| Cost | Free or low-cost |
| Benefits | Physical health, dental, behavioral health (mental health and substance use) |
| Additional Benefits | Early and Periodic Screening, Diagnostic and Treatment (EPSDT) for members age 20 and under |
| Financial Assistance | Available through Connect for Health Colorado |
| Private Insurance | Can purchase private health insurance through Connect for Health Colorado |
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What You'll Learn
Health First Colorado
To apply for Health First Colorado, you can submit your application online, in person, by phone, or by mail. You will need to provide information about your income and household, and then you will find out if you qualify. There is no open enrollment period for Health First Colorado, and applications can be submitted at any time through Connect for Health Colorado or Colorado's Program Eligibility and Application Kit (PEAK). If you are applying for Health First Colorado programs for individuals over the age of 65 or with disabilities, you may be asked to provide additional information about your medical condition and any limitations on your daily activities.
If you are a member of Health First Colorado, you can manage your account and update your information through the Colorado PEAK website or the Health First Colorado mobile app. The Health First Colorado website provides resources to help members manage their healthcare, including a handbook that explains member benefits. This handbook is available in both English and Spanish. Health First Colorado also offers a Nurse Advice Line that you can call if you are not feeling well but are unsure if you need to see a doctor.
If your circumstances change after enrolling in Health First Colorado, such as a change in income, you should research other insurance coverage options to avoid becoming uninsured. If you no longer qualify for Health First Colorado, you may still be eligible for a tax credit to help purchase private health insurance through Connect for Health Colorado. Additionally, if you lose your Health First Colorado coverage, you are eligible for a Special Enrollment Period to sign up for a different health insurance plan.
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Child Health Plan Plus (CHP+)
Each year, the maximum amount of money that CHP+ enrollees are required to spend on health care payments is set at 5% of their annual income, referred to as the out-of-pocket limit. CHP+ costs for services vary depending on household size and income, and the Managed Care Organization (MCO) chosen. While enrollment in CHP+ is free, small co-pays may be required when receiving services. However, there are no co-pays for preventive care, such as prenatal care and check-ups. Native Americans and Alaskan Natives are exempt from co-pays.
CHP+ offers comprehensive health care services, including dental benefits provided by DentaQuest. These dental benefits encompass preventive and diagnostic services, restorative services, endodontic, periodontic, prosthodontic, oral surgery, and limited orthodontic services. CHP+ also provides access to urgent/emergency care anywhere in the United States and covers over-the-counter medicines prescribed by a Denver Health provider.
To apply for CHP+, individuals can visit a Presumptive Eligibility (PE) Site to receive immediate care while awaiting a determination of their eligibility. Enrollment in CHP+ can also be done online or through the Health First Colorado mobile app.
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Connect for Health Colorado
To apply for health insurance through Connect for Health Colorado, individuals can submit an application online, by mail, or in person at their local county office or an Application Assistance Site. The application process will determine what financial help programs an individual or family may be eligible for. It is important to note that to receive financial help, the health insurance plan must be purchased through Connect for Health Colorado and not directly from an insurance company.
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Colorado SHIP
The Colorado State Health Insurance Assistance Program (Colorado SHIP) is a Medicare assistance program. It provides in-depth, one-on-one insurance counselling and assistance with Medicare. Colorado SHIP can be contacted at 888-696-7213.
In addition, Colorado SHIP provides help for Medicare beneficiaries with lower incomes. This includes information on help with premiums, copayments, and other costs.
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Medicaid
In Colorado, the Medicaid program is called Health First Colorado. It is jointly funded by the federal government and the state and is administered by the Department of Health Care Policy & Financing. Health First Colorado provides free or low-cost health care for Colorado children and adults who qualify based on specific monthly income requirements. There is no open enrollment period for Health First Colorado, and eligible individuals can sign up at any time during the year. Applications can be submitted through Connect for Health Colorado or Colorado's Program Eligibility and Application Kit (PEAK) eligibility system.
To apply for Health First Colorado, individuals can apply online through the PEAK website or Connect for Health Colorado, which is Colorado's official health insurance marketplace. It is also possible to apply in person at a local county office or an Application Assistance Site, by telephone, or by mail. When applying, individuals may need to provide certain information and documentation, such as income verification, insurance plans offered by their employer, and other health coverage they may have.
If an individual does not qualify for Health First Colorado, they may still be eligible for financial assistance to lower the cost of private health insurance through Connect for Health Colorado. The amount of financial help provided is based on factors such as the cost of premiums in their area, household size, and estimated yearly income. Additionally, children and pregnant women who do not qualify for Health First Colorado may be eligible for the Child Health Plan Plus (CHP+) +, which is a separate public low-cost health insurance program with different rules and qualifications.
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Frequently asked questions
Colorado residents can receive medical insurance through Health First Colorado, which is Colorado's Medicaid program. Connect for Health Colorado is the official health insurance marketplace for Colorado residents to shop for health plans and access financial help.
Health First Colorado is free or low-cost health care for Colorado children and adults who qualify based on their monthly income. It provides physical health benefits, dental benefits, and behavioral health benefits.
You can apply for Health First Colorado online, over the phone, in person, or by mail. Applications can be submitted through Connect for Health Colorado or Colorado's Program Eligibility and Application Kit (PEAK) eligibility system any time during the year.
