OmniSalud
What is it?
OmniSalud allows Coloradans without an immigration status to safely apply for a plan through the secure Colorado Connect platform. Your privacy and data are safe with OmniSalud and Colorado Connect.
New Re-Enrollment Process for Current OmniSalud Enrollees
12/06/2024 Update: All spots for the program have been filled. However, health plans remain available to be purchased at full price.
To find an assister or a broker to help you enroll in a full-priced plan please visit https://connectforhealthco.com/get-started/omnisalud-help/
Getting Started with OmniSalud
Watch this video if you enrolled in a health insurance plan through OmniSalud but don't know where to start in order to use your benefits.
Keep exploring our page for more educational videos on how to use your health insurance plan that you received through OmniSalud.
Stay Connected with Our WhatsApp Community!
Get the latest updates and information about OmniSalud in our WhatsApp Community! Currently, we have two groups in our community, one in English and one in Spanish.
Who can apply for OmniSalud?
People who do not qualify for any other state program, such as Medicaid and financial assistance through Connect for Health Colorado. Undocumented Coloradans and DACA recipients fall into this category.
Where is OmniSalud available?
OmniSalud is only available in Colorado.
What is SilverEnhanced Savings?
SilverEnhaced Savings is the financial assistance offered to folks on OmniSalud who qualify based on their household size and monthly or annual income.
When can I sign up for insurance?
People who are currently enrolled in OmniSalud will have their spot saved starting November 1st, 2024th through November 22nd, 2024 as long as they continue to to meet the requirements for OmniSalud.
ACTION NEEDED: Current enrollees must sign up with the same email address they signed up for in 2024. To find an assister or a broker to help you re-enroll please visit https://connectforhealthco.com/get-started/omnisalud-help/
Where can I sign up?
Find an expert near you by visiting https://connectforhealthco.com/get-started/omnisalud-help/ or by calling Colorado Connect's service center at 855-675-2626
What information do I need to provide to sign up for the program?
When you apply, you will need your name, address, and a clear idea about your monthly or annual income. You won't be asked to provide verification of income.
Will I become a public charge if I enroll in a plan through the OmniSalud program?
No. When applying for this program, you will not be asked for your immigration status. Additionally, the Department of Homeland Security (DHS) does not consider this type of health insurance coverage and assistance when making public charge determinations.
What insurance companies offer OmniSalud?
Anthem Blue Cross Blue Shield, Cigna, Denver Health, Rocky Mountain Health Plans, Select Health, and Kaiser Permanente.
Insurance protects you from debt:
Having health insurance can help you pay for high, unexpected healthcare costs. Without insurance, you could face these costs entirely on your own.
- The average cost of a three-day hospital stay without health insurance is $30,000, and treating a broken leg can cost up to $7,500.
- Every health insurance plan sold through Connect for Health Colorado has an out-of-pocket maximum. Once you’ve spent the out-of-pocket maximum, your insurance will pay 100% of your covered healthcare costs.
Insurance can help you stay healthy:
All health plans must cover a set of preventive services. These services are free, even if you haven’t met your deductible.
- Visit your doctor: Things like annual check-ups and health screenings are covered when delivered by a doctor or other provider in your plan’s network.
- Stay healthy: Preventative services help keep you healthy, so you save money by preventing illness or other doctor visits during the year.
Insurance Terminology
Copay:
A fixed amount you owe for a medical visit or prescription that is covered by your health plan. It is usually due when you receive the service.
Coinsurance:
You owe a percentage of the costs – 30%, for example – for a medical visit or prescription covered by your health plan. You will receive a bill for this after you receive the service.
Deductible:
The amount you have to spend on covered healthcare services and prescriptions before your health insurance company begins to pay a percentage of your bills.
In-Network:
The facilities, providers, and suppliers such as doctors, hospitals, and pharmacies your health insurance company or plan have contracted with to provide healthcare services. Also called "provider network" or "preferred providers." Most health insurance plans will only cover in-network providers and won't pay anything if you go out-of-network.
Out-of-Pocket-Maximum
The most you’d ever have to pay for covered services and prescriptions in a plan year. After you spend this amount on deductibles, copays, and coinsurance, your health insurance company pays 100% of the costs of covered benefits for the rest of the year. Your monthly premium or anything you spend for services your plan doesn’t cover (out-of-network) does not count toward this limit. This limit resets each year.
Premium:
The amount you must pay your insurance company on time each month. It keeps your insurance active and helps cover the cost of services included in your plan – like preventive services. This is $0 for people enrolled in an OmniSalud plan and qualified for financial assistance.
For a comprehensive glossary, please visit https://connectforhealthco.com/glossary
To learn more about health insurance basics please visit Connect for Health Colorado's learning center website.
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