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Health Insurance — What If I Don't Have It?

Overview

These resources will help you understand your options for obtaining health insurance and healthcare when you or family members are uninsured, regardless of your income.

Information about the Colorado health insurance marketplace

Find insurance coverage through the statewide health insurance marketplace.

Larimer Health Connect
Larimer Health Connect provides free, in-person assistance to help individuals, families and small businesses understand and choose health coverage. We will also be able to determine your eligibility for Health First Colorado (Colorado's Medicaid Program) and CHP+ and help you apply for those programs if you qualify. Our Health Coverage Guides are certified through Connect for Health Colorado, the statewide online health insurance marketplace. Guides can help you shop for coverage and complete the application process for health insurance offered through the marketplace, as well as go over the financial assistance options that are available only through Connect for Health Colorado.

Connect for Health Colorado
This website provides information about the health insurance marketplace. Coloradans can compare health plans and find out if they are eligible for new federal financial assistance, based on income.

If you are looking to join your parents’ health insurance policy...

The Affordable Care Act allows qualifying young adults up to age 26 to remain on their parents' insurance policy.

Young Adults and the Affordable Care Act
Information on this provision of the healthcare reform law is available from the U.S. Department of Health and Human Services or from individual insurance carriers.

If you are interested in buying individual health insurance...

If you do not have access to employer-sponsored group insurance, you may buy an individual health plan. There are many different options for individual health insurance. Compare your options and shop carefully because cost and coverage vary from plan to plan. As a part of healthcare reform, adults cannot be denied insurance because of a pre-existing health condition. Insurers can no longer deny coverage to children with pre-existing conditions or exclude those conditions from a child's coverage.

Health Insurance Information on HealthInfoSource
Follow this link to visit "Health Insurance," another health topic on this site. It can help you understand the difference between PPOs and HMOs, catastrophic health insurance and more.

Larimer Health Connect
Larimer Health Connect provides free, in-person assistance to help individuals, families and small businesses understand and choose health coverage. We will also be able to determine your eligibility for Health First Colorado (Colorado's Medicaid Program) and CHP+ and help you apply for those programs if you qualify. Our Health Coverage Guides are certified through Connect for Health Colorado, the statewide online health insurance marketplace. Guides can help you shop for coverage and complete the application process for health insurance offered through the marketplace, as well as go over the financial assistance options that are available only through Connect for Health Colorado.

Connect for Health Colorado
Connect for Health Colorado helps people compare health plans and prices from multiple major insurers and access federal financial assistance, based on income, to reduce costs.

If you are without health insurance temporarily...

If you are between jobs or waiting for your new employer's benefits to begin, you may want to consider catastrophic health insurance. This type of health insurance does not pay for preventive care but can help you avoid large medical bills in the event of an accident or serious illness. Follow the links above about individual health insurance for more information on catastrophic coverage.

Or, you may want to ask your regular healthcare provider if he/she will work out a payment plan or offer a reduced fee while you are without insurance.

If you have a low income...

You or your children could be eligible for Medicaid, a state/federal program providing health coverage for children and some adults in families with low incomes.

Your children could be eligible for Child Health Plan Plus (CHP+), a state-funded program for children up to age 19 whose parents make too much money to qualify for Medicaid but can't afford private insurance. Parents can apply for CHP+ and other programs through the Larimer County Department of Human Services at 970-498-6300, or through Larimer Health Connect at 970-472-0444. Additionally, Salud Family Health Center will help its clinic patients only enroll in CHP+ at 970-484-0999. Families also can request an application from CHP+ by calling 1-800-359-1991 and complete the enrollment process on their own.

Who Is Eligible for Medicaid?
This link to Colorado Department of Health Care Policy and Financing offers answers to frequently asked questions about eligibility for Health First Colorado (Colorado's Medicaid Program).

Who Is Eligible for CHP+?
This link to Colorado Department of Health Care Policy and Financing provides information about qualifying for CHP+.

Larimer Health Connect
Larimer Health Connect provides free, in-person assistance to help determine your eligibility for Health First Colorado (Colorado's Medicaid Program) and CHP+ and help you apply for those programs if you qualify. We provide in-person assistance at five locations in Larimer County. Se habla Espanol.

Getting Medicaid in Larimer County
The Larimer County Department of Human Services helps families enroll in Health First Colorado (Colorado's Medicaid Program). For more information, follow this link or call Larimer County DHS at 970-498-6300.

You or your children could be eligible for services under the Colorado Indigent Care Program (CICP). CICP is not health insurance; instead it provides payment to certain hospitals and clinics for care provided. These services include, and are not limited to, emergency care, inpatient care, outpatient care and prescription drugs. After January 2014, many CICP clients will be eligible for Medicaid, with the remaining CICP clients eligible for discounted health insurance through the Connect for Health Colorado marketplace. CICP will remain a safety net for individuals and families currently enrolled in CICP who may be newly eligible for Medicaid or discounted health insurance coverage through Connect for Health Colorado. CICP policy is to encourage and inform clients to meet the new individual responsibility (individual mandate) requirement for individuals to have health insurance. Ask about eligibility for CICP if you are seeking care at the following local hospitals and clinics: Salud Family Health Center (970-494-4040), Family Medicine Center (970-495-8800) and University of Colorado Health (970-495-7000).

General Information About CICP
This link to Colorado Department of Health Care Policy and Financing provides general information about CICP and eligibility.

If you don't qualify for public programs and think you can't afford to go to the doctor...

You or your children may be eligible for healthcare services based on your ability to pay.

Salud Family Health Center
Salud Family Health Center operates two family medical clinics in Fort Collins. Patients are eligible for an "ability to pay" discount based on family size and income, which is determined when the patient registers at Salud. To learn more, follow this link or call 970-484-0999. Salud is also a site for enrollment in both Medicaid and CHP+.

Family Medicine Center
The Family Medicine Center, a clinic of University of Colorado Health, offers general medical care — including obstetrics, pediatrics and geriatrics — for families and people of all ages. The clinic accepts most private and government insurance programs. For more information about the clinic, follow this link or call 970-495-8980.

Health District of Northern Larimer County
The Health District offers many health services for people with low incomes, including dental care, blood pressure and cholesterol testing, connections to mental health counseling and substance use treatment, prescription assistance and a quit-tobacco program. These services are available on a sliding fee scale to those living in the northern two-thirds of Larimer County with qualifying incomes. For more information, follow the link or call 970-224-5209.

Larimer County Department of Health and Environment
Larimer County offers many health services available at low cost for qualifying adults and children. Services include maternity and family planning services, immunizations, general nursing services and health screening. For more information, follow this link or call 970-498-6700.

Planned Parenthood
Planned Parenthood of the Rocky Mountains provides healthcare for women and men of all ages and income levels. Services include reproductive health exams, birth control services and more. Call 970-493-0281 or follow this link for more information.

If you are looking for mental health care or substance abuse treatment...

You can be connected to care at Mental Health Connections, a program of SummitStone Health Partners and the Health District of Northern Larimer County. Staff at Connections provide information referral and assistance for mental health and substance abuse problems. Services are free, except counseling which is affordable (fees are based on your ability to pay).

Connections
For more information on Mental Health Connections, follow this link, make a confidential phone call to 970-221-5551, or walk in the Connections office at 525 W. Oak St. (inside SummitStone Health Partners).

Other Resources

Breast and Cervical Cancer Screenings, Women's Wellness Connection
The Women's Wellness Connection is a program of the Colorado Department of Public Health and Environment and is part of the National Breast and Cervical Cancer Early Detection Program. The program provides breast and cervical cancer screenings (clinical breast exams, mammograms, Pap tests) to eligible women at sites throughout Colorado, including at Salud Family Health Centers, Planned Parenthood and Sunrise-Loveland Community Health Center. Screenings are free to women 40-64 years of age with limited income and limited insurance and who have not had these exams in the past year. For eligibility information, call the Women's Wellness Connection at 1-866-951-9355.

United Way 2-1-1
United Way 211 offers online and telephone referrals for health and human services in Larimer County and northwestern Colorado. 211 is for non-emergency assistance only. Follow this link, or call 2-1-1 or 970-407-7066 to talk to an information and referral specialist about your needs, including services for seniors; food, housing and utility assistance; clothing needs; support groups; and more. This is a free service.

Search This Site for Other Health and Community Programs
This site includes listings for many nonprofit organizations. You can search by type of care and even narrow your search to see who offers a sliding fee scale.

Note: This topic was prepared to help consumers find reliable health resources on the web. The information here — and on all websites — is not a substitute for medical care by a health professional. Every effort is made to ensure that the information and links provided in this site are up to date, but the accuracy and completeness of the information cannot be guaranteed.

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