After You Buy
Once you have signed up for health insurance, you may have questions:
How do I confirm that I have coverage?
Colorado’s health insurance companies are working to mail invoices, plan materials and ID cards to all of their new customers, so keep an eye on your mailbox. It takes approximately 10 business days from the time you apply through Connect for Health Colorado for your chosen insurance company to receive and process your application.
If you applied for coverage through Connect for Health Colorado toward the end of the month or we had difficulty processing your enrollment, your selected insurance company may not know you have enrolled with them yet. If needed, we will work with your insurance company to reconcile any issues as soon as possible in order to finalize your enrollment. To confirm your coverage, or if you have other questions, you can call your insurance company. Phone numbers of insurance companies working with Connect for Health Colorado are listed below.
When does my coverage begin?
Generally, if you complete your enrollment by the 15th of the month, your insurance starts on the first of the next month. If you complete your enrollment after the 15th of the month, your insurance starts on the first of the month after next. For example:
|For example, if you enroll on:||Your coverage starts on:|
|December 10, 2018||January 1, 2019|
|December 26, 2018||February 1, 2019|
|January 4, 2019||February 1, 2019|
|January 12, 2019||February 1, 2019|
What if I don’t have an ID card but need a doctor’s appointment or a prescription filled?
If you need services, you do not have to wait. If you do not have an ID card, contact your insurance company’s customer service team. They may be able to provide your member number or temporary ID card or online ID card. A list of insurance companies and their customer service phone numbers is provided below.
If you seek care after your coverage period has begun but before you have received your ID card and welcome materials, you may have to pay for your care at the time of service; you can then file a claim with your insurance company to reimburse your costs in accordance with your plan benefits.
How do I pay my bill?
To ensure your coverage for the date you selected, you must pay the invoice by the due date.
- You may have made the initial payment when you enrolled. If so, your insurance company is now in the process of sending your membership materials to you.
- If you selected the option to pay your first premium by check or money order, be on the lookout for your first invoice and make sure to pay it by the due date.
- If you paid your premium by credit card, and did not receive your ID card in early January, call your insurance carrier.
Remember, you are paying for coverage ahead of time, so even if you don’t receive care, you must pay the monthly premium. Depending on when your enrollment is processed, your first bill might be for two months’ coverage.
Important: Your payment must be made by the due date to start coverage on the date you chose.
Do I need to do anything about my payments for my 2018 health plan?
If you had auto-payments set up for your 2018 health insurance, you will want to cancel those to avoid being charged twice.
- If you selected a different insurance company for 2019 and your 2018 payments were an auto-draft from your bank account, contact your bank to cancel the payment.
- If your insurance is with the same company this year as last and your payments were an auto-draft from your bank account, be sure to update the amount with your bank to reflect your new monthly premium.
- If you selected a different insurance company for 2019 and your 2018 payments were charged to a credit card, contact your 2018 health insurance company to cancel the payments.
|Health Insurance Company||Customer Service Phone Number|
|Anthem – Small Business||(855) 453-7032|
|Bright Health||(844) 691-6150|
|Cigna – Billing & Eligibility||(877) 900-1237|
|Cigna – Claims & Benefits||(800) CIGNA24 or (800) 244-6224|
|Delta Dental||(800) 610-0201|
|Elevate by Denver Health Medical Plan||(855) 823-8872|
|Friday Health Plans||(800) 475-8466|
|Kaiser Permanente||(800) 632-9700|
|Rocky Mountain Health Plans||(855) 830-1564|
Helpful tips for using your health insurance Download the Guide to Health Insurance Costs