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Health Insurance Tips
WE CAN HELP — Our health care policy experts are working to provide you with the resources you need to make the most of new health care consumer protections and tools.
Get The Best Deal On Health Insurance
Looking for health coverage? Connect for Health Colorado, the new health insurance marketplace, could save you time and money. Use our tips to make the most of this new tool.
1. Check out new options at Connect for Health Colorado. The plans include coverage for doctor visits, hospitalizations, preventive care, maternity care, emergency room care, prescriptions and more.
Toll-free: (855) 752-6749
2. Find out about financial help that’s available. At Connect for Health Colorado, you can find out if you qualify for financial assistance to lower your costs.
3. Use Connect for Health Colorado to compare plans side-by-side. The new marketplace lists your options on one website, and shows what each plan covers.
4. Take advantage of expert help to compare plans in-person, online or by phone. Specially trained people are available in communities across the state to help you apply and understand your options. Find them at ConnectForHealthCO.com.
5. Don’t take no for an answer. For coverage starting January 2014, insurance companies can no longer deny you due to a pre-existing condition.
6. Keep in touch. Check for updates on our website, and tell us about your experience. We want to hear what you think so we can spot trends and advocate for ongoing improvements. Contact us.
Health Care Consumer Protections
If you have coverage, you already have protections under the health care law, such as:
- Children and young adults can stay on their parents’ plan until age 26
- Free preventive care, including check-ups and vaccinations
- Insurance companies can’t set a lifetime cap on what they’ll pay if you get sick
- Rebates if your insurance company spends less than 80% of premiums on care
Plus, more consumer protections start in 2014, including:
- Insurers can’t deny anyone coverage for having a “pre-existing condition”
- No more annual caps on what your insurer will pay if you get sick
- Insurance companies can’t charge women more than men for coverage
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The U.S. Consumer Product Safety Commission approved tough new standards Wednesday to regulate several infant sleep products for the first time.
Consumers still at risk for harmful over-the-counter drug products of all types because of soft federal regulations.
Imagine you go to a hospital for a routine procedure. You’ve made sure your hospital and doctor are covered by your insurance. The procedure goes well and you head home to recover. Two weeks later, you get the bill, but instead of the copay you expected, you get a bill for nearly $4,000. Turns out, a surgical “assistant” who was out-of-network joined your in-network surgeon on your procedure and your insurance isn’t covering that bill as you expected. You’ve received a medical surprise bill and now owe the difference between what your insurance will pay the out-of-network surgical assistant and what you were billed. Use these tips to protect yourself.
Tools & Resources
Our Changing Relationship with Driving and the Implications for America’s FutureCoPIRG Foundatio
Read the Health Insurance 101 guide below, or download the PDF here.CoPIRG Foundation
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