What is OmniSalud?
OmniSalud allows undocumented Coloradans and DACA recipients to safely apply for a Colorado Option plan through the secure Colorado Connect platform. Your privacy and data are safe with OmniSalud and Colorado Connect
Colorado Option Plans and OmniSalud:
All OmniSalud Plans sold through Colorado Connect are Colorado Option Plans. This plan is designed to improve access, affordability, and racial health equity for consumers purchasing health insurance in individual and small-group markets.
Costs are lower, and plan benefits are better. Here are some of the ways Colorado Option plans are making healthcare more affordable and accessible for all Colorado residents:
$0 Doctor visits when you are sick or have an injury
$0 Therapist, counselor, or doctor visits for mental/behavioral health or substance abuse
$0 Doctor visits for maternity care — before and after birth (prenatal and postnatal)
$0 Diabetic supplies, including continuous glucose monitors
$0 Doctor visits for yearly check-ups, health screenings, and immunizations to help you stay healthy
$5 Diabetes self-management education
10 Essential Benefits:
- Emergency services
- Hospitalization (surgeries and overnight stays)
- Laboratory services
- Mental health and substance use disorder services
- Outpatient care you get without being admitted to a hospital
- Services for children
- Pregnancy, maternity, and newborn care (both before and after birth)
- Prescription drugs
- Rehabilitative and habilitative services and devices
No insurance company can reject you, charge you more, or refuse to pay for essential health benefits for any condition you have had before your coverage or while you are enrolled-- including pregnancy. Every plan purchased through Colorado Connect covers these essential health benefits.
For more information please visit Colorado Connect's website
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?
Open enrollment starts November 1st and goes through January 15th each year. Your benefits will start the following year, depending on when you signed up. For example, if you sign up for insurance between November 1st, 2023 and December 15th, 2023 your benefits will start on January 1st, 2024. If you sign up for insurance on or after December 16th, 2023 your benefits will start on February 1st, 2024.
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, Friday, 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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