Ways to Save
2019 coverage begins
Apply for financial help
Even if you think you make too much to qualify, but you may be surprised! If you are an individual making up to $48,560 per year or a household of four making up to $100,400 per year, you may be eligible for financial help if you are unable to get coverage through an employer or another source. Learn more about the two types of financial help available only through Connect for Health Colorado.
Estimate your savings - you may be surprised!
Compare your plan options
It pays to shop! New Connect for Health Colorado customers can save as much as 80% on average on their health insurance if they qualify for financial help.
If you are a current customer and happy with your plan, you should still compare plans before renewing your plan by Dec. 15th. An analysis of 2019 plans shows that switching to the lowest-cost plan in your current coverage level (or metal tier) available, you can reduce your premium by an average of 50%. Make sure you are getting the best plan at the best price for health and financial needs.
It’s important to remember that the premium alone should not be your only consideration when choosing a plan. You should factor in out-of-pocket costs such as copays, deductibles and prescriptions, as those will affect what they pay for care through the course of the year. You may pay less each month but owe more when you need care. Our certified Brokers can help evaluate benefits that meet your health and financial needs. They are experts at recommending plans that suit specific situations. For example, if a plan’s benefits do not include the necessary coverage for managing ongoing conditions like diabetes and other chronic conditions, you may end up not getting the care you need or paying substantially more. Get help from a certified Broker.
Note for our customers who are currently NOT receiving financial help: Due to changes in how the plans are organized for 2019, Gold and Bronze plans will likely be a less expensive option. So, if you are currently in a Silver plan, we recommend you compare plans and prices before renewing on Dec. 15, 2018.
Select a plan that includes your preferred doctor as “in-network.” Going to a doctor or facility that is considered “out-of-network” will cost you more, likely the full bill. Also, make sure that your plan covers your preferred medications. Use our Quick Cost & Plan Finder tool to compare plans that include your preferences and get a sense of your out-of-pocket costs.
Consider generic medications
There may be multiple brand and generic medications that address the same health issue. Generic options cost less than the brand name drugs and are typically covered by a larger number of health plans. Ask your doctor if a generic is right for you.
Use the free, preventive services
Take advantage of the many free, preventive services like check-ups, vaccinations, smoking cessation, screenings for breast cancer, cholesterol and diabetes, and more cancer screenings, immunizations, smoking cessation, and well-baby and well-child visits that are covered by all health plans available through Connect for Health Colorado when delivered by a doctor or other provider in your plan’s network. Make sure you take advantage of these free services (even if you haven’t met your deductible) to stay healthy throughout the year – and save you money in the long run!
Be Insurance Smart
Shopping for health insurance can feel overwhelming. Check out these six questions to use as a starting point to think through your needs and help you select a plan for you and your family. You can also download this worksheet to help you gather up important details and think through key factors that will impact your buying decision. Then refer to your answers as you compare plans online or bring this along when you visit with a Broker or Assister who are available across Colorado to help you in-person.
We also offer some helpful tips on how to use your health insurance wisely.Do you qualify for financial help? You may be surprised! Compare plans & prices Health insurance costs explained 6 questions to ask before you buy health insurance