Health Insurance and Medical Assistance Programs
Denver Health understands that the process of finding health care coverage to help to pay for medical services can be a confusing process, which is why we guide our customers through a health care program screening process FREE of charge.
If you need help finding health insurance through Connect for Health Colorado, our enrollment specialists can also help you with this. We will help you understand the options, calculate your monthly cost, and will help you estimate the credits that may be available to you.
If you do not qualify for any of the programs, Denver Health will still try to explore other payment options with you. In this case, you should contact our billing department or financial counselors.
Our enrollment specialists screen customers for programs like Medicaid and the Child Health Plan Plus (CHP+) program, and also screen clients for discount programs available at Denver Health, such as the Colorado Indigent Care Program (CICP) and the Denver Health Financial Assistance Program (DFAP) – both programs are designed to help make certain medical services more affordable for the uninsured.
Customers who are enrolled in a discount program (CICP and DFAP) must be screened every year by an enrollment specialist.
|False Claims Notice||For Non-Denver City and County Residents|
|As stated on the application that you will sign, falsifying information on family size, income, housing status (homelessness) or home location is considered fraud and must be reported to the state of Colorado||If you live outside of Denver County, you can always receive emergency medical care at Denver Health, even if you qualify for Medicaid or CHP+. You MUST live in Denver County to receive non-emergent care at Denver Health under the CICP and DFAP programs.|
Health Insurance Open Enrollment
- Health Insurance Open Enrollment Brochure - English
- Health Insurance Open Enrollment Brochure - Spanish
Health Insurance Coverage Frequently Asked Questions
- What is the Colorado Exchange?
Connect for Health Colorado is a public, non-profit entity launched by the Colorado General Assembly in 2013 to create a healthcare marketplace. There, you can shop for the best healthcare that’s right for you and/or your family – with tax credits that make health insurance more affordable. It is the only place individuals and families can qualify for financial help to lower cost of private health insurance. Shop for healthcare based on quality and price, and then enroll in coverage.
- What is an Open Enrollment Period?
An Open Enrollment Period is the period of time when you can sign up for, or make changes to, a health insurance plan. There is one Open Enrollment Period every year for Connect for Health Colorado and other health insurance companies doing business in Colorado. The next Open Enrollment Period will begin on November 1, 2018 for coverage that starts January 1, 2019.
- What is a Life Change Event?
A Life Change Event is an event that allows you to change your current health insurance plan outside of the annual Open Enrollment Period. The specific type of Life Change Event will determine whether you can update your current plan, shop for a new plan, or enroll in a health insurance plan through the Connect for Health Colorado for the first time. You must report any change to Connect for Health Colorado within 30 days of the event. Examples of life change events include, but are not limited to: 1. Loss of job's health insurance; 2. Marriage or divorce; 3. The birth or adoption of a child.
- How is Denver Health involved in the health insurance marketplace?
Denver Health offers a free enrollment team that helps you navigate the insurance marketplace. While Denver Health itself offers its own Denver Health Medical Plan, our enrollment team is not set up to sell you any specific insurance. Our enrollment specialists are here to help you with questions around tax credit qualifications, and how to use the Exchange itself.
- How much will health insurance cost me – can I afford it?
Each individual and family is different. You may qualify for free or reduced health care. Out-of-pocket costs such as co-pays and co-insurance can be tricky to understand, which is why our enrollment specialists are here to help you understand the ins and outs of the insurance system.
- How long does applying for health insurance take?
Some take as little as 30 minutes. Others may take longer. The process, with an enrollment specialist to help, can be simple and painless.
- Is CICP or DFAP considered health insurance?
No, CICP and DFAP are discount programs and not considered health insurance.
- What is Health First Colorado?
Health First Colorado is the Colorado Medicaid Program. It is a free, state-sponsored health insurance program for Coloradoans who qualify.
- Is there an Open Enrollment period for Health First Colorado?
You can apply for Health First Colorado (Medicaid) anytime throughout the year.
- If I don't purchase health insurance coverage will I have to pay a fine?
For 2018 there is a fine but the fine will no longer be applicable in 2019.
- Can unauthorized immigrants purchase insurance through Connect for Health Colorado?
Yes, but they are not eligible for Cost-Sharing Reductions or a Premium Tax Credit and may be limited to certain plans.
- Can I purchase insurance through Connect for Health Colorado if I have Medicare or Medicaid?
Those who are enrolled in Medicare or Medicaid are ineligible to purchase a plan through Connect for Health Colorado.
- Can I purchase insurance through Connect for Health Colorado outside of the Open Enrollment Period?
To buy a health insurance plan outside of the Open Enrollment Period, you must qualify for a Special Enrollment Period. Having a Life Change Event, such as losing health insurance coverage from a job, moving, getting married or having a baby, may allow for a Special Enrollment Period.