health plan market & benefit comparison part ii presented by cliff craig health plan account...

Health Plan Market &

Benefit Comparison Part II Presented by Cliff CraigHealth Plan Account Manager for Connect for Health Colorado

22

Key Topics to be Discussed

• Family Deductible & Out-of-Pocket maximum Accumulation

• High Deductible Health Plan (HDHP) / Health Savings Account (HSA)

• Key Features of the SBC & Plan Document Page

• Market Place Carrier Review & Product Offeringo Health Shop / Small Groupo Health Individualo Dental Shop / Small Groupo Dental Individual

• Carriers Benefit Comparison by Metal Tiers

• Carrier Specific Key Points & Service Area

33

Market Place Plan Types

Health Maintenance Organization (HMO)A type of health insurance plan that usually limits coverage to care from doctors who work for or contract with the HMO. It generally won’t cover out-of-network care except in an emergency. An HMO may require you to live or work in its service area to be eligible for coverage. HMOs often provide integrated care and focus on prevention and wellness. (No Out of Network Coverage)Preferred Provider Organization (PPO)A type of health plan that contracts with medical providers, such as hospitals and doctors, to create a network of participating providers. You pay less if you use providers that belong to the plan’s network. You can use doctors, hospitals and providers outside of the network for an additional cost. (Out of Network Coverage but at Higher Cost-sharing)Exclusive Provider Organization (EPO)A more restrictive type of preferred provider organization plan under which employees must use providers from the specified network of physicians and hospitals to receive coverage; there is no coverage for care received from a non-network provider except in an emergency situation. (No Out of Network Coverage)

4

Family Deductible and Out-of-Pocket Maximum

Accumulation

This is a representative sample of the Carrier's plans and rates.It is not intended to promote one Carrier over another Carrier

55

What Applies to Maximum Out-of-Pocket HMO & EPO Plans

Copayments Deductibles

Coinsurance

Maximum Out-of-Pocket

$6,350 / $12,700

Rx Deductibles

RxCopayments

RxCoinsurance

Prevention

66

Embedded VS Aggregate Family Deductibles & Out-of-Pocket Maximums

There are two different types of deductibles: traditional, also called Embedded(Per-Member), and Aggregate (Single), also known as non-embedded.Embedded Family Deductible & Out-of-Pocket maximum (Most Common)If you are on a family (two or more members covered) medical plan with an Embedded deductible, your plan contains two components, an individual deductible and a family deductible. Having two components to the deductible allows each member of your family the opportunity to get her medical bills covered prior to the entire dollar amount of the family deductible being met. The individual deductible is embedded in the family deductible.Aggregate Family Deductible & Out-of-Pocket maximum (Primarily Used with HSA’s)If your insurance policy contains a Aggregate family deductible, an individual deductible is not embedded in the family deductible. In this situation, before your insurance helps you pay for any of your family's medical bills, the entire amount of the deductible must be met. It can be met by one family member or by a combination of family members. There are no benefits until expenses equaling the deductible amount have been incurred.

77

Embedded / Per-Member Family Deductible & Out-of-Pocket Maximum

Father$2000

Mother$3000

Child$500

$3000 Individual $6000 Family Deductible

FatherMother$6350 Child

Coinsurance

$6350 Individual $12700 Family OOP Max.

Prevention

Each family member must meet the

Individual Deductible before coinsurance

applies for them only

88


Father$3000

Mother$3000 Child


Father$6350

Mother$6350 Child

Coinsurance


Prevention

Each family member must meet the

Individual Deductible before coinsurance

applies for them only or combined by two or more then the family

moves to coinsurance

99


Father$2000

Mother$3000

Child$500



Coinsurance


Prevention

The mother was theonly family member accessing care. Shemet her Individual Deductible& Out-of-Pocket max so she isthe only family member coveredat 100%

1010

Aggregate / Single Family Deductible & Out-of-Pocket Maximum

Father$2000

Mother$3500

Child$500


Prevention

The family as a group can meet the Family

Deductible

Coinsurance for allFamily members

1111



Father$6000

Mother$5000

Child$1700


Prevention

The family as a group has met the Family Out-Of-Pocket Max.

Coinsurance for allFamily members

1212


Father$2000

Mother$3500

Child$500


Father$6000

Mother$5000

Child$1700

Coinsurance


Prevention

The family as a group met the Family

Deductible & the Family Out-of-Pocket Max.

1313





Coinsurance


Prevention

The mother was theonly family member accessing care. Shemet the Family Deductible& Out-of-Pocket max for theentire family

1414

RMHP West Focus HMO Silver $2500/Copay $40• Medical Deductible = $2,500 / $5,000

Drug Deductible = $500 / $1000 Out-of-Pocket Max. = $6,350 / $12,700

• PCP visit = $40 Copay / Specialist = $55 Copay • Prescription Drugs = $15 Generic / 30% (After

Ded.) Preferred Brand / 40% (After Ded.) Non-Preferred & Specialty

• Facilities = 30% Coinsurance (After Ded.) Outpatient / Inpatient Surgery

• Emergency Care = 30% Copay Urgent care / $250 Copay Emergency Room / 30% coin. (After Ded.) Ambul.

• Testing = 30% coinsurance (After Ded.) CT/PET Scans, MRIs / X-rays / Lab.

Sample of How Benefits Accumulate for a Family of Three Policy

Dads Medical Services Cost of servicesFamily

expensesApplies to Med Ded

Applies to Rx Ded

Applies to OOP max

RMHP expenses

Prevention visit $100 $0 $0 $0 $0 $100PCP visit $100 $40 $0 $0 $40 $60PCP orders meds Preferred $140 $140 $0 $140 $140 $0Inpatient Hospital (2nd) $5,000 $3,600 $3,000 $3,600 $1,400

(Dad paid $3000 & $600 (30% of $2000) Family Ded met X-rays & Lab $1,000 $300 done $0 $300 $700Physician surgery $1,000 $300 done $0 $300 $700

InptHospmeds 1 Pref / 1 Spec $400 $400 $0 $400 $400 $0Emergency visit (4th) $2,000 $600 done $0 $600 $1,400

Dads Total $9,740 $5,380 $3,000 $540 $5,380 $4,360Moms Medical Services Prevention visit $150 $0 $0 $0 $0 $150OB/GYN Visit $200 $40 $0 $0 $40 $160PCP visit $100 $40 $0 $0 $40 $60OutPatient Surgery (3rd) $2,000 $600 done $0 $600 $1,400Lab $500 $150 done $0 $150 $350Outpt meds Preferred $110 $110 $0 $110 $110 $0Outpt meds Preferred $200 $60 $0 done $60 $140Outpt meds Generic $75 $15 $0 done $15 $60

Moms Total $3,335 $1,015 $0 $110 $1,015 $2,320Baby Bears Medical Services Prevention visit $80 $0 $0 $0 $0 $80Emergency visit (1st) $1,000 $250 $0 $0 $250 $750Ambulance ride to ER $1,000 $1,000 $1,000 $0 $1,000 $0ER test MRI $1,000 $1,000 $1,000 $0 $1,000 $0ER meds Specialty Drug $200 $200 $0 $200 $200 $0ER med Preferred $150 $150 $0 $150 $150 $0ER med Generic $75 $15 $0 $0 $15 $60

Baby Bears Total $3,505 $2,615 $2,000 $350 $2,615 $890Family Total $16,580 $9,010 $5,000 $1,000 $9,010 $7,570

15

High Deductible Health Plan (HDHP)&

Health Savings Account (HSA)


1616

Health Savings Account (HSA)

Health Savings Account (HSA)A medical savings account available to taxpayers who are enrolled in a qualified High Deductible Health Plan (HDHP). The funds contributed to the account aren’t subject to federal income tax at the time of deposit. Funds must be used to pay for qualified medical expenses. Unlike a Flexible Spending Account (FSA), funds roll over year to year if you don’t spend them.• HDHP / HSA can be associated with any plan types – HMO, PPO, & EPO• To open an HSA account the plan type MUST be a QUALIFIED HDHP product• The amount a person can contribute to their HSA account on an annual basis is

based on the plan types Deductible level.• Employers can also contribute to their employees HSA account, but the employer

and the employees contribution cannot exceed the Deductible level.• A person can use funds from their HSA account to pay for covered & non-covered

medical services, a Federal regulation list will show qualified medical expenses.• There is a tax penalty for withdrawing funds from your HSA account to pay for non-

medical expenses, before the age 65.

1717

HSA Contribution Limits for 2014

Contribution and Out-of-Pocket Limits for Health Savings Accounts and for High-Deductible Health Plans

For 2014 For 2013 Changes

HSA contribution limit (employer + employee)

Individual:$3,300Family:$6,550

Individual:$3,250

Family:$6,450

Individual:+$50

Family:+100

HSA catch-up contributions (age 55 or older)*

$1,000 $1,000 No change**

HDHP minimum deductibles Individual:$1,250Family:$2,500

Individual:$1,250

Family:$2,500

No change

HDHP maximum out-of-pocket amounts (deductibles, co-payments and other amounts, but not premiums)

Individual:$6,350Family:$12,700

Individual:$6,250

Family:$12,500

Individual:+$100

Family:+$200

* Catch-up contributions can be made any time during the year in which the HSA participant turns 55.** Unlike other limits, the HSA catch-up contribution amount is not indexed; any increase would require statutory change.

1818

HSA Penalties & Children Coverage

Penalties for Nonqualified ExpensesThose under age 65 (unless totally and permanently disabled) who use HSA funds for nonqualified medical expenses face a penalty of 20 percent of the funds used for such expenses. Funds spent for nonqualified purposes are also subject to income tax.Coverage of Adult ChildrenWhile the Patient Protection and Affordable Care Act allows parents to add their adult children (up to age 26) to their health plans, the IRS has not changed its definition of a dependent for health savings accounts. This means that an employee whose 24-year-old child is covered on his HSA-qualified high-deductible health plan is not eligible to use HSA funds to pay that child’s medical bills.If account holders can't claim a child as a dependent on their tax returns, then they can't spend HSA dollars on services provided to that child. According to the IRS definition, a dependent is a qualifying child (daughter, son, stepchild, sibling or stepsibling, or any descendant of these) who:• Has the same principal place of abode as the covered employee for more than one-half of

the taxable year.• Has not provided more than one-half of his or her own support during the taxable year.• Is not yet 19 (or, if a student, not yet 24) at the end of the tax year or is permanently and

totally disabled.

1919

Health Savings Account (HSA) / High Deductible Health Plans (HDHP) Eligible Plans

Access Health

CO

Anthem

Cigna

CO C

hoice H

ealth

Colora

do Health

OP

Denver Health

Med

Humana

Kaiser P

ermanente

Rocky MHP

SeeChange

UnitedHealth

care

0

2 2 2

0 0

2

9 9

0

2

0 0 0

23

0 0

9

11

2

0

Individual Small Group

2020

What Applies to Maximum Out-of-Pocket HSA & HDHP Plans

Copayments

Deductibles

Coinsurance

Maximum Out-of-Pocket

$6,350 / $12,700

RxCopayments

Prevention

2121

Benefit Comparison for HSA Products Kaiser Permanente Sample

Kaiser Permanente H.S.A Plans

Benefits Bronze 5000/30% H.S.A Bronze 4500/50 H.S.A Silver 1750/25% H.S.A.

Ded Individual $5,000 $4,500 $1,750

Ded Family $10,000 $9,000 $3,500

OOPMax Ind $6,530 $6,350 $5,000

OOPMax Family $12,700 $12,700 $10,000

Primary Care 30% Coin / After Ded $50 Copay / After Ded 25% Coin / After Ded

Specialist visit 30% Coin / After Ded $70 Copay / After Ded 25% Coin / After Ded

Prevention visit No Charge $0 Copay No Charge $0 Copay No Charge $0 Copay

Diagnostic Test 30% Coin / After Ded 30% Coin / After Ded 25% Coin / After Ded

Imaging 30% Coin / After Ded $500 Copay / After Ded 25% Coin / After Ded

Generic Drugs $20 copay / After Ded $20 Copay / After Ded $15 Copay / After Ded

Preferred Drugs 30% Coin / After Ded $50 Copay / After Ded $45 Copay / After Ded

Non-Preferred 30% Coin / After Ded 30% Coin / After Ded 25% Coin / After Ded

Specialty Drugs 30% Coin / After Ded 30% Coin / After Ded 25% Coin / After Ded

Facility Outpatient 30% Coin / After Ded 30% Coin / After Ded 25% Coin / After Ded

Facility Inpatient 30% Coin / After Ded $500 Copay / After Ded 25% Coin / After Ded

Emergency visit 30% Coin / After Ded $500 Copay / After Ded 25% Coin / After Ded

Emergency Trans 30% Coin / After Ded 30% Coin / After Ded 25% Coin / After Ded

Urgent Care 30% Coin / After Ded 30% Coin / After Ded 25% Coin / After Ded

Premium $158.37 $164.97 $208.52

% increase Lowest Plan 4% 24%

2222

Benefit Comparison for HSA Products Rocky Mountain Health Plan Sample

Rocky Mountain Health Plans H.S.A Plans

Benefits Bronze $6300/100% H.S.A Bronze PPO 6300/100% H.S.A Silver PPO 2500/100% H.S.A

Ded Individual $6,300 $6,300 $12,600 $2,500 $5,000

Ded Family $12,600 $12,600 $25,200 $5,000 $10,000

OOPMax Ind $6,300 $6,300 $12,600 $6,350 $12,700

OOPMax Family $12,600 $12,600 $25,200 $12,700 $25,400

Primary Care No Charge After Ded No Charge After Ded No Charge After Ded No Charge After Ded No Charge After Ded

Specialist visit No Charge After Ded No Charge After Ded No Charge After Ded No Charge After Ded No Charge After Ded

Prevention visit No Charge $0 Copay No Charge $0 Copay Varies No Charge $0 Copay Varies

Diagnostic Test No Charge After Ded No Charge After Ded No Charge After Ded No Charge After Ded No Charge After Ded

Imaging No Charge After Ded No Charge After Ded No Charge After Ded No Charge After Ded No Charge After Ded

Generic Drugs No Charge After Ded No Charge After Ded Not Covered No Charge After Ded Not Covered

Preferred Drugs No Charge After Ded No Charge After Ded Not Covered No Charge After Ded Not Covered

Non-Preferred No Charge After Ded No Charge After Ded Not Covered No Charge After Ded Not Covered

Specialty Drugs No Charge After Ded No Charge After Ded Not Covered No Charge After Ded Not Covered

Facility Outpatient No Charge After Ded No Charge After Ded No Charge After Ded No Charge After Ded No Charge After Ded

Facility Inpatient No Charge After Ded No Charge After Ded No Charge After Ded No Charge After Ded No Charge After Ded

Emergency visit No Charge After Ded No Charge After Ded No Charge After Ded No Charge After Ded No Charge After Ded

Emergency Trans No Charge After Ded No Charge After Ded No Charge After Ded No Charge After Ded No Charge After Ded

Urgent Care No Charge After Ded No Charge After Ded No Charge After Ded No Charge After Ded No Charge After Ded

Premium $226.90 $258.06 $323.61


23

Key Features of the SBC & Plan Document Page


2424

Plan Documents Can Help Make Final Decision

Evidence of Coverage, Policy, Summary of Benefits: It’s the membersContract with the carrier(about 80 plus pages) varies by carrierEnglish only Summary of Benefits and Coverage, is a summary

of benefits (not a binding contract), standard benefitLayout (9 pages) English & Spanish

Company Profile: Standard documentCovers – Company at a glance, MedicalLoss Ratio, Unique Offerings & Programs,Awards & Recognition,& In the Community.English & Spanish

Quality Overview: Standard Document Covers – Accreditations, Consumer Complaints, How the planmakes members healthier / works with providers /examples of innovative approaches, Quality Ratings.English & SpanishCarrier Marketing materials:

Not Standard, Varies by carrierEnglish & Spanish

2525

Key Things to Know When Using Plan Compare Function

Issue with the Plan Compare is neither product has an In Network Tier Two benefit listed andthe PPO plan is not illustrating the Out of Network Tier benefit information

2626

The compare function is utilizedbest when comparing two differentcarriers or plans that are close inpremium and now its which oneprovides the best benefit for the

COST

Key Things to Know When Using Plan Compare Function

2727

Key Things to Know When Using Plan Compare Excel File

In Network (Tier 1) In Network (Tier 2) In Network (Tier 1) In Network (Tier 2)

Primary Care Visit to Treat an Injury or Illness Copay $30 $30 Coinsurance No Charge No Charge

Other Practitioner Office Visit (Nurse, Physician Assistant) Copay $60 $60 Coinsurance No Charge No Charge

Preventive Care/Screening/Immunization Copay $0 $0 Coinsurance No Charge No Charge Specialist Visit Copay $60 $60 Coinsurance No Charge No Charge Nutritional Counseling Copay No Charge No Charge Coinsurance 35% Coinsurance after deductible 35% Coinsurance after deductible

This is a snapshot of 2 Colorado HealthOP Bighorn EPO ($276.42) & PPO ($315.78)

Issue with the Plan Compare is neither product has an In Network Tier Two benefit listed andthe PPO plan is not illustrating the Out of Network Tier benefit information

2828

Colorado HealthOP Bison PPO Plan Benefits Page Information

Notice the Enhance benefitinformation is not listed on thePlan Benefits Page. The In-Network Tier 2 benefit isunique to CO HealthOP only

2929

Colorado HealthOP Bison EPO Plan SBC Information

Once You and Your enrolled Spouse (if applicable), complete the personal health actions identified under You personal account on Our website, www.COHealthOp.org or upon request Our Customer Service, You will be rewarded with financial incentives. The incentive types and amounts vary by the Plan(s) elected. See the Enhanced Network Coinsurance/Copaymentscolumn on the Schedule of Benefits in this Certificate for details regarding Your plan incentives. Note: Charges for medical care required under the personal health actions will be covered under the Preventive and Wellness Services and Chronic Disease Management provision of the Benefits/Coverages (What is Covered) section of this Certificate

Services You May Need

Your Cost If You Use a

Network Provider


Non-Network Provider

Limitations & Exceptions

Primary care visit to treat an injury or illness

Standard First visit free subject to the deductible. Subsequent visits are 40% coinsurance/visit.

Enhanced* First visit free. Subsequent visits $30 copayment/ visit and not subject to the deductible.

Not Covered

* The first primary care visit is

free in enhanced plans only if the member has not already received a free visit in the standard plan.

Specialist visit

Standard 40% coinsurance/visit

Enhanced* $60 copayment/ visit

Not Covered

---None---

Other practitioner office visit

Standard 40% coinsurance/visit

Enhanced* 40% coinsurance/visit

Not Covered

---None---

3030

Plan Page Benefit Clarification HMO & EPO

All HMO & EPO products only offer In Network (Tier 1) benefits,the Out of Network benefits $0 & 100% should be clarifiedas Not Covered. PPO plans willhave benefit levels listed in bothIn Network & Out of Network tiers

3131

Common Medical Event


Your Cost If You Use an

Network Provider


Non-network Provider


If you need drugs to treat your illness or condition

More information about prescription drug coverage is available at www.humana.com.

Level 1 – Preferred Generic $10 copay (Retail) $20 copay (Mail Order)

Not Covered Preauthorization required, penalty may apply. 30 day supply (Retail) 90 day supply (Mail Order)

Level 2 – Non-preferred Generic $20 copay (Retail) $40 copay (Mail Order)

Not Covered See Level 1 for Limitations and Exceptions

Level 3 – Preferred Brand $50 copay (Retail) $100 copay (Mail Order)


Level 4 – Non-preferred Brand 50% coinsurance Not Covered See Level 1 for Limitations and Exceptions

Level 5 – Specialty drugs 50% coinsurance Not Covered Preauthorization required, penalty may apply. 40% coinsurance when filled via a preferred network specialty pharmacy

If you have outpatient surgery

Facility fee (e.g., ambulatory surgery center) 20% coinsurance Not Covered Preauthorization required, penalty may apply.

Physician/ surgeon fees 20% coinsurance Not Covered -----------------none------------------------- If you need immediate medical attention

Emergency room services 20% coinsurance 20% coinsurance -----------------none------------------------- Emergency medical transportation 20% coinsurance 20% coinsurance -----------------none-------------------------

Urgent care $50 copay/visit Not Covered Cost share may vary based on where service is performed.

If you have a hospital stay

Facility fee (e.g., hospital room) 20% coinsurance Not Covered Preauthorization required, penalty may apply.

Physician/ surgeon fee 20% coinsurance Not Covered -----------------none-------------------------

Sample of an HMO SBC Regarding Emergency Room Benefits

All Emergency Services are treated as In Network benefits regardless of Facility. The Plan Page is miss leading because it shows Out of Network benefits as $0 & 100%

Urgent care is listed In Network only and at a Copay level for some plans

3232




Network Provider






















Sample of an HMO SBC Regarding Unique Five Tier Rx Benefits

This plan has a five tier Rx benefit: Tier 1 Preferred Generic, Tier 2 Non-Preferred GenericTier 3 Preferred Brand, Tier 4 Non-Preferred Brand, Tier 5 Specialty Drugs. The Tier 2 Non-preferred Generic is very unique

Carriers only use one Pharmacy Network, for PPO plans when Out of Network providers writea script there is no difference in cost sharing

3333




Network Provider






















Sample of an HMO SBC Regarding Outpatient & Inpatient Benefits

Outpatient Surgery & Hospital Stay separate Facility fees and Physician fees benefits for this example both are at a coinsurance level. Some plans will providea copay at the Facility fee level benefit

3434

Sample of An UnitedHealthcare SBC Single Individual Family Deductible

Important Questions Answers Why this Matters:

What is the overall deductible?

Are there other deductibles for specific services?

Is there an out–of– pocket limit on my expenses?

$5,000 per person per calendar year. Deductible does not apply to preventive care or outpatient prescription drugs. Coinsurance and copayments don’t count toward the deductible.

Yes. $500 per person per calendar year for Tiers 2-4 outpatient prescription drugs. There are no other specific deductibles.

Yes. $6,350 per person and $12,700 per family per calendar year. Other limits apply – see the chart that starts on page 2.

You must pay all the costs up to the deductible amount before this plan begins to pay for covered services you use. Check your policy or plan document to see when the deductible starts over (usually, but not always, January 1st). See the chart starting on page 2 for how much you pay for covered services after you meet the deductible.

You must pay all the costs for these services up to the specific deductible amount before this plan begins to pay for these services.

The out-of-pocket limit is the most you could pay during a coverage period (usually one year) for your share of the cost of covered services. This limit helps you plan for health care expenses.

Notice UHC does not provide a Family Deductible level. Each family membermust meet a $5000 per person Deductible before coinsurance applies

3535

Sample Colorado HealthOP SBC Mental Health Benefits




Network Provider


Non-Network Provider


If you have mental health, behavioral health, or substance abuse needs

Mental/ Behavioral health outpatient services

Standard $60 copayment/ visit


Not Covered

Early Intervention Services are limited to 45 visits per year.

Autism-Applied Behavioral Analysis is limited to 550 sessions from birth to age 8 and 185 sessions age 9-19 (sessions being 25 minute increments)

Preauthorization required Mental/ Behavioral health inpatient services

Standard 35% coinsurance/admission

Enhanced* 35% coinsurance/admission

Not Covered

Preauthorization required.

Substance use disorder outpatient services

Standard $60 copayment/ visit


Not Covered


Substance use disorder inpatient services

Standard 35% coinsurance/admission

Enhanced* 35% coinsurance/admission

Not Covered


3636

Sample Kaiser Permanente’s SBC Rehabilitation Benefits



Your Cost If You Use a Plan

Provider

Your Cost If You Use a Non-Plan

Provider


If you need help recovering or have other special health needs

Home health care 40% coinsurance Not covered Limited to less than 8 hours per day and 28 hours per week

Rehabilitation services

40% coinsurance for outpatient services; See Facility fee under "If you have a hospital stay" for inpatient services.

Not covered

Combined outpatient visit limit between rehabilitation and habilitation services of 40 visits per therapy per year (autism spectrum disorders are not subject to the visit limit); Inpatient in a multi-disciplinary facility limited to 60 days per condition per year.

Habilitation services

40% coinsurance for outpatient services

Not covered

Combined outpatient visit limit between rehabilitation and habilitation services of 40 visits per therapy per year (autism spectrum disorders are not subject to the visit limit).

Skilled nursing care 40% coinsurance Not covered Limited to 100 days per year Durable medical equipment

40% coinsurance

Not covered

Coverage is limited to items on our DME formulary. Prosthetic arms and legs at 20% coinsurance (not subject to the deductible).

Hospice service 40% coinsurance Not covered ---none---

3737

Sample of The SBC’s Excluded & Other Covered Services Section

Excluded Services & Other Covered Services:

Services Your Plan Does NOT Cover (This isn’t a complete list. Check your policy or plan document for other excluded services.)

Acupuncture

Bariatric surgery

Cosmetic surgery, unless to correct a functional impairment caused by injury, infection, disease

Child glasses

Child dental check up

Dental care (Adult)

Infertility treatment

Long- term care

Non-emergency care when traveling outside the U.S. except as required by law for emergency care

Weight loss program

Other Covered Services (This isn’t a complete list. Check your policy or plan document for other covered services and your costs for these services.)

Chiropractic care – spinal manipulations are covered

Child eye exam

Hearing aids (under age 18)

Routine eye care (Adult) when in treatment for diabetes

Routine foot care when in treatment for diabetes

Private-duty nursing – medically necessary Inpatient only

This section could vary by carrier & plan type, notice the disclaimer “ Check your policy or plan document”

3838

Each SBC Provides A Coverage Sample

Hospital charges (mother) $2,700 Routine obstetric care $2,100 Hospital charges (baby) $900 Anesthesia $900 Laboratory tests $500 Prescriptions $200 Radiology $200 Vaccines, other preventive $40 Total $7,540

Deductibles $100 Co-pays $600 Co-insurance $300 Limits or exclusions $80

Total $1,080

Deductibles $1,000 Co-pays $20 Co-insurance $1,300 Limits or exclusions $200 Total $2,520

About these Coverage Examples:

These examples show how this plan might cover medical care in given situations. Use these examples to see, in general, how much financial protection a sample patient might get if they are covered under different plans.

This is not a cost estimator.

Don’t use these examples to estimate your actual costs under this plan. The actual care you receive will be different from these examples, and the cost of that care will also be different.

See the next page for important information about these examples.

Having a baby (normal delivery)

Amount owed to providers: $7,540 Plan pays $5,020 Patient pays $2,520

Sample care costs:

Patient pays:

Managing type 2 diabetes (routine maintenance of

a well-controlled condition)

Amount owed to providers: $5,400 Plan pays $4,320 Patient pays $1,080

Sample care costs: Prescriptions $2,900 Medical Equipment and Supplies $1,300 Office Visits and Procedures $700 Education $300 Laboratory tests $100 Vaccines, other preventive $100 Total $5,400

Patient pays:

39

Market Place Carrier Review & Product Offering


4040

C4HCO Carrier Partners' by Market

Carrier Consumer Facing Name / DBA TIndividual Health Plans Group Health Plans Dental Individual Plans Dental Group Plans

Access Health Colorado H X Colorado Choice Health Plans H X X Colorado HealthOP H X X Denver Health Medical Plan H X Humana H X Kaiser Permanente H X X Rocky Mountain Health Plans H X X SeeChange Health H X UnitedHealthcare / All Savers H X Anthem Blue Cross & Blue Shield / HMO Colorado B X X X XCigna B X X

Best Life & Health Insurance CompanyD X X

Delta Dental of Colorado D X XDentegra Insurance Company D X XGuardian D XPremier Access Dental & Vision D X XMetLife D X

Total by Participation 10 6 6 7

41

SHOPSmall Group Market Analysis


4242

Small Group Market

Company ( * Trading Partners)Level of

Coverage* Off the Market Place On the Market Place Grand Total

Colorado Choice * Bronze 3 3 6

Gold 3 3 6

Silver 6 4 10

Colorado HealthOP * Bronze 2 2 4

Gold 2 2 4

Silver 2 2 4

Anthem * Bronze 11 1 12

Gold 26 2 28

Platinum 2 2

Silver 30 2 32

Kaiser Permanente * Bronze 9 9 18

Gold 15 6 21

Silver 19 9 28

Rocky Mountain Health Plans * Bronze 12 12 24

Gold 12 12 24

Silver 20 20 40

SeeChange * Bronze 5 1 6

Gold 1 1 2

Silver 3 1 4

UnitedHealthcare Bronze 12 12

Gold 23 23

Platinum 4 4

Silver 44 44

Grand Total 266 92 358

4343

Small Group Medical Plans On & Off the Market Place

65% More Plans OFF the Market Place

Off the Market Place On the Market Place

266

92

4444

Small Group Market by Carrier

Colora

do Choic

e

Colora

do Hea

lthOP

Anthem

Kaise

r Per

man

ente

Rocky

Mounta

in H

ealth

Pla

n

SeeChan

ge

UnitedHea

lthca

re

126

58

43 44

9

71

106 4

24

44

30


4545

Small Group Market by Metal Tier

48% more Bronze Plans

69% more Silver Plans

68% more Gold Plans

Bronze Silver Gold Platinum Total

54

124

82

6

266

28 3826

0

92


4646

Small Group Medical Plans On & Off the Market Place by Product Type

EPO HMO POS PPO

23

124

42

77

0

67

0

25

23

191

42

102

Off the Market Place On the Market Place Grand Total

4747

SHOP Silver Rate Comparison Plans ON the Market Place

Plans On The Market Place Colo Springs Denver Fort Collins

Company Plan Low High Low High Low High

Colorado Choice HMO $242.50 $253.14 $270.38 $282.24 $328.91 $343.34

CoOpStateWideOne PPO $334.70 $334.70 $340.66 $340.66 $373.76 $373.76

CoOpStateWideTwo PPO $264.83 $264.83 $269.68 $269.68 $296.58 $296.58

Kaiser Permanente DB HMO $251.96 $259.43

Kaiser Permanente N Co HMO $239.36 $246.46

Kaiser Permanente S Co HMO $277.16 $285.37

Athem / RMHMS PPO $278.88 $278.88 $299.93 $299.93 $336.17 $336.17

RMHP HCO PPO $288.84 $299.48 $325.78 $337.78 $406.38 $421.35

RMHP CHP Network HMO $266.35 $277.32 $300.42 $312.80 $374.74 $390.19

RMHP NWP Network HMO $252.42 $262.97 $284.71 $296.60 $355.15 $370.00

RMHP Statewide Network HMO $280.28 $292.10 $316.13 $329.46 $394.34 $410.97

SeeChange PPO $300.30 $300.30 $320.83 $320.83 $357.09 $357.09

Rates Based on a 27 Year Old

4848

SHOP Rating Area Comparison Low End Plans State Wide Carriers Only

Plans ON The Market Place Area 1 Area 2 Area 3 Area 4 Area 5 Area 6 Area 7 Area 8 Area 9 Area 10 Area 11

Boulder CoSpr DenverFt

CollinsGrand

Junction Greeley Pueblo S East N East West Resort

Company Plan Low Low Low Low Low Low Low Low Low Low Low

COOP (Metro) PPO $332.11 $334.70 $340.66 $373.76 $442.54 $361.38 $366.28 $350.65 $447.22 $481.48 $578.38 43%

COOP (State) PPO $262.73 $264.83 $269.68 $296.58 $350.87 $286.55 $290.52 $277.80 $354.63 $382.37 $460.78 43%

Athem / RMHMS PPO $289.09 $278.88 $299.93 $336.17 $307.81 $357.07 $296.12 $302.63 $383.11 $344.71 $422.90 34%

RMHP HCO PPO $372.81 $288.84 $325.78 $406.38 $288.84 $389.59 $372.81 $356.01 $456.77 $339.22 $470.20 39%

RMHP CHP Network HMO $343.78 $266.35 $300.42 $374.74 $266.35 $359.26 $343.78 $328.29 $421.20 $312.81 $433.59 39%

RMHP NWP Network HMO $325.79 $252.42 $284.71 $355.15 $252.42 $340.47 $325.79 $311.12 $399.17 $296.45 $410.91 39%RMHP Statewide Network HMO $361.76 $280.28 $316.13 $394.34 $280.28 $378.05 $361.76 $345.46 $443.23 $329.17 $456.27 39%

SeeChange PPO $281.05 $300.30 $320.83 $357.09 $349.71 $401.04 $274.31 $401.04 $401.04 $462.00 $462.00 41%


Small Group Silver Plans

4949


Boulder CoSpr Denver Ft CollinsGrand


Company Plan High High High High High High High High High High High

COOP (Metro) PPO $332.11 $334.70 $340.66 $373.76 $442.54 $361.38 $366.28 $350.65 $447.22 $481.48 $578.38 43%

COOP (State) PPO $262.73 $264.83 $269.68 $296.58 $350.87 $286.55 $290.52 $277.80 $354.63 $382.37 $460.78 43%

Athem / RMHMS PPO $289.09 $278.88 $299.93 $336.17 $307.81 $357.07 $296.12 $302.63 $383.11 $344.71 $422.90 34%

RMHP HCO PPO $386.52 $299.48 $337.78 $421.35 $299.48 $403.94 $386.52 $369.12 $473.58 $351.71 $487.51 39%


RMHP NWP Network HMO $339.42 $262.97 $296.60 $370.00 $262.97 $354.71 $339.42 $324.13 $415.87 $308.84 $428.10 39%RMHP Statewide Network HMO $377.01 $292.10 $329.46 $410.97 $292.10 $394.00 $377.01 $360.03 $461.92 $343.04 $475.51 39%

SeeChange PPO $281.05 $300.30 $320.83 $357.09 $349.71 $401.04 $274.31 $401.04 $401.04 $462.00 $462.00 41%

SHOP Rating Area Comparison High End Plans State Wide Carriers Only


Small Group Silver Plans

5050

Small Group Market Analysis

65% More Plans OFF the Market Place than ON the Market Place.

266 OFF the Market Place / 92 ON the Market Place

Anthem has 93% more plans OFF the Market Place (58 VS 4)

United HealthCare has 71 plans OFF the Market Place, none ON the Market Place

Plans ON the Market PlaceColorado Springs average 25% difference between the lowest & highest price planDenver average 30% difference between the lowest & highest price planFort Collins average 47% difference between the lowest & highest price plan

Plan Types 191 HMO, 102 PPO, 42 POS, 23 EPO

Most C4HCO carriers offer equal rates ON & OFF the Market Place, except KP offers 2% lower ratesfor plans ON, SeeChange offer additional plans OFF at 4% lower rate, Anthem for the Silver tier offers 30 plans OFF & 2 plans ON, the plans OFF are 7% lower & 9% higher

For Statewide carriers, Boulder & COS offer the lower rates & the Resort area the Highest at about 40%

51

IndividualMarket Analysis


5252

Individual Market (section 1)

Company ( * Trading Partners)

Level of Coverage*Off the Market

PlaceOn the Market

Place Grand Total

UnitedHealthCare All Savers *

Bronze 2 2

Catastrophic 1 1

Gold 2 2

Platinum 1 1

Silver 3 3

Cigna *Bronze 3 3 6

Gold 3 3 6

Silver 5 5 10

Colorado Choice *

Bronze 3 3 6

Catastrophic 1 1 2

Gold 3 3 6

Silver 5 5 10

Colorado HealthOP *

Bronze 2 2 4

Catastrophic 2 2

Gold 2 2 4

Silver 2 2 4

Denver Health Medical *

Gold 2 2

Silver 2 2

Anthem *

Bronze 6 6 12

Catastrophic 1 1 2

Gold 2 2 4

Silver 6 5 11

5353

Individual Market (section 2)

Company ( * Trading Partners)

Level of Coverage*Off the Market

PlaceOn the Market

Place Grand Total

Kaiser Permanente *

Bronze 9 9 18

Catastrophic 3 3 6

Gold 6 6 12

Silver 9 9 18

Access Health Colorado *

Bronze 2 2

Gold 2 2

Silver 2 2

Rocky Mountain Health Plans*

Bronze 14 20 34

Catastrophic 2 4 6

Gold 2 4 6

Silver 16 24 40

Time Insurance Company

Bronze 14 14

Catastrophic 2 2

Gold 4 4

Platinum 4 4

Silver 8 8

Humana *

Bronze 8 2 10

Catastrophic 4 1 5

Gold 1 1 2

Platinum 1 1 2

Silver 8 2 10


5454

Individual Medical Plans On & Off the Market Place



159

150

5555

Individual Market by Carrier

UnitedHea

lthCar

e All

Saver

s

Cigna

Colora

do Choic

e

Colora

do Hea

lthOP

Denve

r Hea

lth M

edic

al

Anthem

BC& B

S

Kaise

r Foundat

ion H

ealth

Pla

n

Acces

s Hea

lth C

O

Rocky

Mounta

in H

ealth

Pla

n

Time

Insu

rance

Human

a

0

11 126

0

15

27

0

34 32

22

911 12

84

14

27

6

52

07


5656

Individual Market by Metal Tier

Catastrophic Bronze Silver Gold Platinum Total

13

59 59

23

5

159

13

4959

27

2

150


5757

Individual Medical Plans On & Off the Market Place by Product Type

EPO HMO POS PPO

3

77

10

69

13

98

0

39

16

175

10

108


5858

Plans ON The Market Place Colo Springs Denver Fort Collins

Company Plan Low High Low High Low High

United HC / All Savers EPO $312.14 $318.57

Cigna PPO $260.91 $292.65

Colorado Choice HMO $216.55 $223.42 $241.44 $249.10 $293.72 $303.02

COOP (Metro) EPO $223.78 $223.78 $245.75 $245.75

COOP (State) PPO $252.98 $252.98 $257.54 $257.54 $282.80 $282.80

Denver Health closed network HMO $225.37 $225.37

Denver Health Exp network HMO $261.52 $261.52

Anthem / HMO Colorado HMO $245.78 $272.66 $262.17 $290.85 $276.48 $306.73

Anthem / HMO Colorado HMO $245.78 $272.66 $262.17 $290.85 $276.48 $306.73

Humana Health Plan HMO $198.58 $201.44 $205.32 $208.27

Kaiser Permanente DB HMO $201.04 $213.77

Kaiser Permanente N Co HMO $190.99 $203.08

Kaiser Permanente S Co HMO $221.15 $235.14

CO Access / New Ventures PPO $340.80 $345.07 $372.33 $377.00 $405.45 $410.53

RMHP CHP Network HMO $231.57 $255.07 $261.18 $287.70 $325.80 $358.88

RMHP Mesa HMO $233.91 $271.91 $263.83 $306.70 $329.11 $382.58

RMHP NWP Network HMO $224.90 $241.75 $253.67 $272.67 $316.43 $340.14

RMHP Statewide Network PPO $243.71 $283.28 $274.88 $319.51 $342.90 $398.56


Individual Silver Rate Comparison Plans ON the Market Place

5959



CollinsGrand


Company Plan Low Low Low Low Low Low Low Low Low Low Low

COOP (State) PPO $251.01 $252.98 $257.54 $282.80 $334.44 $273.38 $277.12 $265.17 $338.01 $364.22 $437.62 43%

Anthem / HMO Colorado HMO $256.66 $245.78 $262.17 $276.48 $294.46 $293.76 $290.97 $289.39 $368.04 $330.52 $406.89 40%


CO Access / New Ventures PPO $376.31 $340.80 $372.33 $405.45 $412.33 $408.28 $310.43 $359.22 $419.18 $484.22 $540.27 43%


RMHP Mesa HMO $301.91 $233.91 $263.83 $329.11 $233.91 $315.51 $301.91 $288.32 $369.91 $274.71 $380.79 39%

RMHP NWP Network HMO $290.28 $224.90 $253.67 $316.43 $224.90 $303.35 $290.28 $277.21 $355.66 $264.13 $366.12 39%

RMHP Statewide Network PPO $314.56 $243.71 $274.88 $342.90 $243.71 $328.73 $314.56 $300.39 $385.40 $286.22 $396.73 39%

Individual Rating Area Comparison Low End Plans State Wide Carriers Only


Individual Silver Plans

6060



CollinsGrand


Company Plan High High High High High High High High High High High

COOP (State) PPO $251.01 $252.98 $257.54 $282.80 $334.44 $273.38 $277.12 $265.17 $338.01 $364.22 $437.62 43%



CO Access / New Ventures PPO $381.02 $345.07 $377.00 $410.53 $417.50 $413.39 $314.32 $363.72 $424.43 $490.29 $547.04 43%


RMHP Mesa HMO $350.96 $271.91 $306.70 $382.58 $271.91 $366.78 $350.96 $335.15 $430.02 $319.35 $442.65 39%

RMHP NWP Network HMO $312.02 $241.75 $272.67 $340.14 $241.75 $326.07 $312.02 $297.97 $382.30 $283.91 $393.54 39%

RMHP Statewide Network PPO $365.63 $283.28 $319.51 $398.56 $283.28 $382.10 $365.63 $349.16 $447.98 $332.69 $461.15 39%


Individual Rating Area Comparison High End Plans State Wide Carriers Only

Individual Silver Plans

6161

Individual Market Analysis

6% More Plans OFF the Market Place than ON the Market Place.

159 OFF the Market Place / 150 ON the Market Place

RMHP has 35% more plans ON the Market Place(52 VS 34)Humana has 68% more plans OFF the Market Place (22 VS 7)

Plans ON & OFF the Market PlaceColorado Springs average 40% difference between the lowest & highest price planDenver average 48% difference between the lowest & highest price planFort Collins average 53% difference between the lowest & highest price plan

Most C4HCO carriers offer equal rates ON & OFF the Market Place, except KP on average offers 3% lower ratesfor plans ON.

For Statewide carriers, Boulder & COS offer the lower rates & the Resort area the Highest at about 40%

62

Dental Small GroupMarket Analysis


6363

Dental Small Group Market

Company ( * Trading Partners) Level of Coverage*Off the Market On the Market Grand Total

Best Life Insurance Company *High 3 3 6

Low 3 3 6

Delta Dental / Colorado Dental *High 119 3 122

Low 3 1 4

Dentegra Insurance Company *High 3 3 6

Low 3 3 6

Metropolitan Life Insurance Company *High 2 2 4

Low 2 2 4

Premier Access * Low 3 3 6

Renaissance Life and Health IC of AmericaHigh 1 1

Low 1 1

Anthem / Rocky Mountain Hospital and Medical Serv. *

High 6 6 12

Low 9 7 16

See Change Insurance CompanyHigh 1 1

Low 8 8

The Guardian Life *High 4 4 8

Low 7 5 12


6464

178

45

Small Group Dental Plans On & Off the Market Place


Delta Dental has 97% More Plans OFF the Market Place

6565

Small Group Dental Plans On & Off the Market Place by Product Type


139

21

160

39

24

63

178

45

223

High Low Total

6666

Small Group Market by Carrier

Best Life

Delta D

ental

Dentegra

Met L

ife

Prem

ier A

ccess

Renaissance L

ife

Anthem

SeeChange

Guard

ian

6

22

64

32

17

911

64

64

3

0

13

0

9


67

Dental IndividualMarket Analysis


6868

Dental Individual Market

CompanyLevel of

Coverage*

Off the Market

On the Market

Grand Total

Best Life Insurance CompanyHigh 3 3 6

Low 3 3 6

CIGNA Low 1 2 3

Delta Dental / Colorado DentalHigh 3 3 6

Low 1 2 3

Dentegra Insurance CompanyHigh 3 3 6

Low 3 3 6

Premier Access Low 3 3 6

Renaissance Life and Health IC of AmericaHigh 2 2

Low 2 2

Anthem High 2 2

Low 2 2


6969

Individual Dental Plans On & Off the Market Place


Small Group has 77% More Plans than the Individual Market


28

22

7070

Individual Market by Carrier

6

1

4

6

3

4 4

6

2

5

6

3

0 0


7171

Individual Dental Plans ON & OFF the Market Place by Product Type


139

22

15 13

2828

22

50

High Low Total

72

Carriers Benefit Comparison By Metal Tier


7373

Cost-Sharing and Metal Tiers

ACA Precious Metal Tiers

Plan TierActuarial

Value

Platinum 90%

Gold 80%

Silver 70%

Bronze 60%

In general, lower member cost-sharingand higher premiums

In general, higher member cost-sharingand lower premiums

Actuarial valuepercentages representhow much of a typicalpopulation’s medicalspending a healthinsurance plan would cover.

7474

Access Health ColoradoBenefits Bronze PPO Silver PPO Gold PPO

Ded Individual $5,000 $10,000 $4,000 $8,000 $2,000 $4,000Ded Family $10,000 $20,000 $8,000 $16,000 $4,000 $8,000OOPMax Ind $6,350 $12,700 $6,350 $12,700 $4,000 $8,000OOPMax Family $12,700 $25,400 $12,700 $25,400 $8,000 $16,000

Primary Care 40% Coin After Ded 50% Coin After Ded $25 Copay 50% Coin After Ded $10 Copay 40% Coin After Ded

Specialist visit 40% Coin After Ded 50% Coin After Ded $50 Copay 50% Coin After Ded $20 Copay 40% Coin After Ded

Prevention visit No Charge $0 Copay 50% Coin After Ded No Charge $0 Copay 50% Coin After DedNo Charge $0

Copay 40% Coin After Ded

Diagnostic Test 40% Coin After Ded 50% Coin After Ded 30% Coin After Ded 50% Coin After Ded 20% Coin After Ded 40% Coin After Ded

Imaging 40% Coin After Ded 50% Coin After Ded 30% Coin After Ded 50% Coin After Ded 20% Coin After Ded 40% Coin After Ded

Generic Drugs 40% Coin After Ded 50% Coin After Ded $10 Copay 50% Coin After Ded $5 Copay 40% Coin After Ded

Preferred Drugs 40% Coin After Ded 50% Coin After Ded $20 Copay 50% Coin After Ded $10 Copay 40% Coin After Ded

Non-Preferred 40% Coin After Ded 50% Coin After Ded $40 Copay 50% Coin After Ded $15 Copay 40% Coin After Ded

Specialty Drugs 40% Coin After Ded 50% Coin After Ded $30 50% Coin After Ded 20% 40% Coin After Ded

Facility Outpatient 40% Coin After Ded 50% Coin After Ded 30% Coin After Ded 50% Coin After Ded 20% Coin After Ded 40% Coin After Ded

Facility Inpatient 40% Coin After Ded 50% Coin After Ded 30% Coin After Ded 50% Coin After Ded 20% Coin After Ded 40% Coin After DedEmergency visit 40% Coin After Ded 40% Coin After Ded $250 Copay $250 Copay $250 Copay $250 Copay

Emergency Trans 40% Coin After Ded 50% Coin After Ded 30% Coin After Ded 50% Coin After Ded 20% Coin After Ded 40% Coin After Ded

Urgent Care 40% Coin After Ded 50% Coin After Ded 30% Coin After Ded 50% Coin After Ded 20% Coin After Ded 40% Coin After DedPremium $302.59 $386.19 $448.94


Benefit Comparison By Metal Tier Access Health Colorado Sample

7575

Anthem / Blue Cross Blue Shield /HMO Colorado

Benefits Catastrophic DirectAccess Bronze DirectAccess cabz Silver DirectAccess cbma Gold DirectAccess ccab

Ded Individual $6,530 $5,750 $1,250 $750

Ded Family $12,700 $11,500 $2,500 $1,500

OOPMax Ind $6,530 $6,350 $6,350 $6,000

OOPMax Family $12,700 $12,700 $12,700 $12,000

Primary Care 3 OV / 0% Coin After Ded 435 Copay (2V) / 30% Coin $35 Copay (2V) / 35% Coin $30 Copay

Specialist visit 0% Coin After Ded 30% Coin After Ded 35% Coin After Ded 0% Coin After Ded

Prevention visit No Charge $0 Copay No Charge $0 Copay No Charge $0 Copay No Charge $0 Copay

Diagnostic Test 0% Coin After Ded 30% Coin After Ded 35% Coin After Ded 0% Coin After Ded

Imaging 0% Coin After Ded 30% Coin After Ded 35% Coin After Ded 0% Coin After Ded

Generic Drugs 0% Coin After Ded 30% Coin After Ded $15 Copay $15 Copay

Preferred Drugs 0% Coin After Ded 30% Coin After Ded $40 Copay $40 Copay

Non-Preferred 0% Coin After Ded 30% Coin After Ded 35% Coin After Ded 0% Coin After Ded

Specialty Drugs 0% Coin After Ded 30% Coin After Ded 35% Coin After Ded 0% Coin After Ded

Facility Outpatient 0% Coin After Ded 30% Coin After Ded 35% Coin After Ded 0% Coin After Ded

Facility Inpatient 0% Coin After Ded $500 Copay /30% Coin AD $500 Copay /35% Coin AD $500 Copay / 0% Coin AD

Emergency visit 0% Coin After Ded $200 Copay / 30% Coin AD $200 Copay / 35% Coin AD $200 Copay / 0% Coin AD

Emergency Trans 0% Coin After Ded 30% Coin After Ded 35% Coin After Ded 0% Coin After Ded

Urgent Care 0% Coin After Ded $50 Copay / 30% Coin AD $50 Copay / 35% Coin AD $50 Copay / 0% Coin AD

Premium $188.27 $221.81 $291.12 $372.82

% increase Catastrophic Plan 15% 35% 50%

Benefit Comparison By Metal Tier Anthem BC/BS Sample

No Rx Deductible

7676

Cigna

Benefits myCigna Health Flex 5500 myCigna Health Flex 1500 myCigna Health Flex 1900

Ded Individual $5,500 $12,500 $1,500 $12,500 $1,900 $12,500

Ded Family $11,000 $25,000 $3,000 $25,000 $3,800 $25,000

OOPMax Ind $6,350 $25,000 $6,350 $25,000 $6,350 $25,000

OOPMax Family $12,700 $50,000 $12,700 $50,000 $12,700 $50,000

Primary Care 1-2 $30 Copay / 40% C A D 50% Coin After Ded 1-2 $30 Copay / 40% C A D 50% Coin After DedNo Charge $0


Specialist visit 1-2 $60 Copay / 40% C A D 50% Coin After Ded 1-2 $60 Copay / 40% C A D 50% Coin After DedNo Charge $0


Prevention visit No Charge $0 Copay No Charge $0 Copay No Charge $0 Copay 50% Coin After DedNo Charge $0


Diagnostic Test 40% Coin After Ded 50% Coin After Ded 30% Coin After Ded 50% Coin After DedNo Charge $0


Imaging 40% Coin After Ded 50% Coin After Ded 30% Coin After Ded 50% Coin After DedNo Charge $0


Generic Drugs $4 Copay Not Covered $4 Copay Not CoveredNo Charge $0

Copay Not Covered

Non-Preferred G 40% Coin After Ded Not Covered $20 Copay Not CoveredNo Charge $0

Copay Not Covered

Preferred Drugs 40% Coin After Ded Not Covered $60 Copay Not CoveredNo Charge $0

Copay Not Covered

Non-Preferred 50% Coin After Ded Not Covered 50% Coin After Ded Not Covered 50% Coin After Ded Not Covered

Specialty Drugs 40% Coin After Ded Not Covered 40% Coin After Ded Not CoveredNo Charge $0

Copay Not Covered

Facility Outpatient 40% Coin After Ded 50% Coin After Ded 30% Coin After Ded 50% Coin After DedNo Charge $0


Facility Inpatient 40% Coin After Ded 50% Coin After Ded 30% Coin After Ded 50% Coin After DedNo Charge $0


Emergency visit 40% Coin After Ded 40% Coin After Ded 30% Coin After Ded 50% Coin After DedNo Charge $0


Emergency Trans 40% Coin After Ded 50% Coin After Ded 30% Coin After Ded 50% Coin After DedNo Charge $0


Urgent Care $75 Copay 50% Coin After Ded $75 Copay 50% Coin After DedNo Charge $0


Premium $238.68 $270.62 $312.43


Benefit Comparison By Metal Tier Cigna Plan Sample

7777

Colorado Choice Health Plan

Benefits Bronze Choice 3000/50 Silver Choice 2000/Copay Gold Choice 1500/20

Ded Individual $3,000 $2,000 $1,500

Ded Family $6,000 $4,000 $3,000

OOPMax Ind $6,350 $6,350 $4,000

OOPMax Family $12,700 $12,700 $8,000

Primary Care 50% Coin After Ded $20 Copay $15 Copay

Specialist visit 50% Coin After Ded $40 Copay $25 Copay


Diagnostic Test 50% Coin After Ded 40% Coin After Ded 20% Coin After Ded

Imaging 50% Coin After Ded $150 Copay 20% Coin After Ded

Generic Drugs $25 Copay $15 Copay $10 Copay

Preferred Drugs 50% Coin After Ded $40 Copay $35 Copay

Non-Preferred 50% Coin After Ded $60 Copay $60 Copay

Specialty Drugs 50% Coin After Ded $60 Copay 20% Coin Ded Waived

Facility Outpatient 50% Coin After Ded 40% Coin After Ded 20% Coin After Ded

Facility Inpatient 50% Coin After Ded 40% Coin After Ded 20% Coin After Ded

Emergency visit 50% Coin After Ded $150 Copay After Ded $150 Copay

Emergency Trans 50% Coin After Ded $100 Copay After Ded 20% Coin After Ded

Urgent Care 50% Coin After Ded 40% Coin After Ded 20% Coin After Ded

Premium $206.08 $261.20 $292.59

% increase Catastrophic Plan 21% 30%

Benefit Comparison By Metal Tier Colorado Choice Health Plan Sample

7878

Colorado HealthOP

Benefits HealthOP Bear EPO HealthOP Bison EPO HealthOP Bighorn EPO

Ded Individual $5,500 $2,600 $1,000

Ded Family $11,000 $5,200 $2,000

OOPMax Ind $6,350 $6,000 $3750 / $3250

OOPMax Family $12,700 $12,000 $7500 / $6500

Primary Care 1st Free / 50% Coin After Ded 1st Free / 40% Coin After Ded 1st Free / $30 Copay

Primary Care Enhanced 1st Free / 50% Coin After Ded $30 Copay 1st Free / $20 Copay

Specialist visit 50% Coin After Ded 40% Coin After Ded $60 Copay

Specialist Enhanced 50% Coin After Ded $60 Copay $40 Copay



Imaging 50% Coin After Ded 40% Coin After Ded 35% Coin After Ded

Generic Drugs $15 Copay / After Ded $15 Copay $15 Copay

Preferred Drugs 50% Coin After Ded $40 Copay $30 Copay

Non-Preferred 50% Coin After Ded 40% Coin Ded Waived 35% Coin Ded Waived

Specialty Drugs 50% Coin After Ded 40% Coin Ded Waived 35% Coin Ded Waived



Emergency visit 50% Coin After Ded $500 Copay $350 Copay

Emergency Trans 50% Coin After Ded 40% Coin After Ded 35% Coin After Ded

Urgent Care 50% Coin After Ded 40% Coin After Ded 35% Coin After Ded

Premium $173.01 $232.10 $276.42


Benefit Comparison By Metal Tier Colorado HealthOP Plan Sample

7979

Denver Health Medical / ELEVATE

Benefits ELEVATE Silver Basic HMO ELEVATE Gold Basic HMO ELEVATE Silver Expanded HMO ELEVATE Gold Expanded HMO

Ded Individual $2,500 $1,600 $2,500 $1,600

Ded Family $5,000 $3,200 $5,000 $3,200

OOPMax Ind $6,250 $5,000 $6,250 $5,000

OOPMax Family $12,500 $10,000 $12,500 $10,000

Primary Care $40 Copay $15 Copay $40 Copay $15 Copay

Specialist visit $65 Copay $25 Copay $65 Copay $25 Copay




Generic Drugs $20 Copay $10 Copay $20 Copay $10 Copay

Preferred Drugs $45 Copay $35 Copay $45 Copay $35 Copay

Non-Preferred $80 Copay $60 Copay $80 Copay $60 Copay

Specialty Drugs $80 Copay $60 Copay $80 Copay $60 CopayFacility Outpatient 25% Coin After Ded 10% Coin After Ded 25% Coin After Ded 10% Coin After Ded

Facility Inpatient 25% Coin After Ded 10% Coin After Ded 25% Coin After Ded 10% Coin After Ded

Emergency visit $250 Copay $150 Copay $250 Copay $150 Copay


Urgent Care $125 Copay $75 Copay $125 Copay $75 Copay

Premium $233.76 $269.58 $271.25 $269.58


Benefit Comparison By Metal Tier Denver Health Medical Sample

8080

Humana

Benefits Bronze 4850/6350 HMO Silver 4600/6300 HMO Gold 2500/3500 HMO Platinum 1000/1500 HMO

Ded Individual $4,850 $4,600 $2,500 $1,000

Ded Family $9,700 $9,200 $5,000 $2,000

Rx Ded Individual $1,500 $1,500 $500 $500

Rx Ded Family $3,000 $3,000 $1,000 $1,000

OOPMax Ind $6,350 $6,300 $3,500 $1,500

OOPMax Family $12,700 $12,600 $7,000 $3,000

Primary Care $50 Copay $25 Copay $25 Copay $25 Copay

Specialist visit $75 Copay $35 Copay $35 Copay $35 Copay




Generic Drugs $28 Copay $17 Copay $8 Copay $8 Copay

Preferred Drugs $75 Copay After Ded $50 Copay After Ded $20 Copay After Ded $20 Copay After Ded

Non-Preferred 50% Coin After Ded 50% Coin After Ded 35% Coin After Ded 35% Coin After Ded

Specialty Drugs 50% Coin After Ded 50% Coin After Ded 35% Coin After Ded 35% Coin After Ded



Emergency visit 20% Coin After Ded 20% Coin After Ded 20% Coin After Ded 20% Coin After Ded


Urgent Care $100 Copay $50 Copay $50 Copay $50 Copay

Premium $202.41 $212.96 $242.90 $273.85


Benefit Comparison By Metal Tier Humana Sample

8181

Kaiser Permanente

Benefits KP CO Bronze 4500/50 KP CO Silver 2500/30 KP CO Gold 1000/20

Ded Individual $4,500 $2,500 $1,000

Ded Family $9,000 $5,000 $2,000

OOPMax Ind $6,350 $6,350 $6,350

OOPMax Family $12,700 $12,700 $12,700

Primary Care $50 Copay $30 Copay $20 Copay

Specialist visit $70 Copay $50 Copay $40 Copay



Imaging $500 Copay $300 Copay $150 Copay

Generic Drugs $25 Copay $15 Copay $10 Copay

Preferred Drugs 45% Coin Ded Waived $45 Copay $35 Copay

Non-Preferred 50% Coin Ded Waived 30% Coin Ded Waived 20% Coin Ded Waived

Specialty Drugs 50% Coin Ded Waived 30% Coin Ded Waived 20% Coin Ded Waived



Emergency visit 20% Coin After Ded $400 Copay $250 Copay

Emergency Trans 20% Coin After Ded 30% Coin After Ded 20% Coin After Ded

Urgent Care $100 Copay $75 Copay $75 Copay

Premium $193.68 $214.79 $244.82


Benefit Comparison By Metal Tier Kaiser Permanente Plan Sample

8282

Benefit Comparison By Metal Tier Rocky Mountain Health Plan Sample

Rocky Mountain Health Plan

Benefits NW Bronze $4500/$55 HMO NW Silver $2500/$40 HMO Gold PPO $500/Copay $35

Ded Individual $4,500 $2,500 $500 $1,000

Ded Family $9,000 $5,000 $1,000 $2,000

Rx Ded Individual N/A $500 N/A N/A

Rx Ded Family N/A $1,000 N/A N/A

OOPMax Ind $6,350 $6,350 $4,000 $8,000

OOPMax Family $12,700 $12,700 $8,000 $16,000

Primary Care $55 Copay $40 Copay $35 Copay 50% Coin After Ded

Specialist visit 40% Coin After Ded $55 Copay $50 Copay 50% Coin After Ded




Generic Drugs $20 Copay $15 Copay $15 Copay Not Covered

Preferred Drugs 40% Coin After Ded 30% Coin After Ded 20% Not Covered

Non-Preferred 40% Coin After Ded 40% Coin After Ded 40% Not Covered

Specialty Drugs 50% Coin After Ded 40% Coin After Ded 40% Not Covered



Emergency visit $350 Copay $250 Copay 20% Coin After Ded 20% Coin After Ded


Urgent Care 40% Coin After Ded 30% Coin After Ded 20% Coin After Ded 50% Coin After Ded

Premium $233.31 $263.11 $365.79


8383

Benefit Comparison By Metal Tier UnitedHealthcare Sample

UnitedHealthcare / All Savers Individual Plans

Benefits Catastrophic Plan Copay Bronze Plan Copay Silver Plan C Copay Gold Plan C Copay Plan Platinum

Ded Individual $6500 per person $5500 per person $5000 per person $1500 per person $500 per person

Ded Family N/A N/A N/A N/A N/A

Ded Rx Ind N/A N/A $500 per person T2-4 $150 per person T2-4 N/A

Ded Rx Family N/A N/A N/A N/A N/A

OOPMax Ind $6,350 $6,350 $6,350 $3,200 $1,500

OOPMax Family $12,700 $12,700 $12,700 $6,400 $3,000

Primary Care 3 OV per person $50 Copay / 20% Coin $35 Copay / 20% Coin $20 Copay / 20% Coin $10 Copay / 10% Coin

Specialist visit No Charge after Ded $100 Copay / 20% Coin $60 Copay / 20% Coin $40 Copay / 20% Coin $20 Copay / 10% Coin

Prevention visit No Charge $0 Copay No Charge $0 Copay No Charge $0 Copay No Charge $0 Copay No Charge $0 Copay

Diagnostic Test No Charge after Ded 20% Coin 20% Coin 20% Coin 10% Coin

Imaging No Charge after Ded 20% Coin 20% Coin 20% Coin 10% Coin

Generic Drugs No Charge after Ded 20% Coin $15 Copay $15 Copay $10 Copay

Preferred Drugs No Charge after Ded 20% Coin $40 Copay/After Ded $35 Copay/After Ded $35 Copay

Non-Preferred No Charge after Ded 20% Coin $80 Copay/After Ded $70 Copay/After Ded $60 Copay

Specialty Drugs No Charge after Ded 20% Coin 25% of nego. Rate / AD $250 Copay/After Ded $250 Copay

Facility Outpatient No Charge after Ded 20% Coin 20% Coin 20% Coin 10% Coin

Facility Inpatient No Charge after Ded 20% Coin 20% Coin 20% Coin 10% Coin

Emergency visit No Charge after Ded 20% Coin 20% Coin $300 Copay $250 Copay

Emergency Trans No Charge after Ded 20% Coin 20% Coin $300 Copay 10% Coin

Urgent Care No Charge after Ded 20% Coin 20% Coin $75 Copay $75 Copay

Premium $288.49 $322.22 $343.75 $395.19 $470.62

% increase Catastrophic Plan 10% 16% 27% 39%

84

Carrier Specific Key Points & Service Area

This is a representative sample of the Carrier's Key Points and Service Area.It is not intended to promote one Carrier over another Carrier

8585

• Colorado has 11 rating areas based on varies countieso Rating Area 1 & 2 have the lowest rates & Rating Area 11 the highest

(rates average about 40% difference)o Some zip codes will cross multiple counties

• If your coverage is through your employer, the rate is based on the employers zip code & county

Rating Area 1 Rating Area 2 Rating Area 3 Rating Area 4 Rating Area 5 Rating Area 6 Rating Area 7 Rating Area 8 Rating Area 9 Rating Area 10 Rating Area 11

Boulder

Colo Springs

Denver

Fort Collins Grand Junction

Greeley

Pueblo

SouthEast

NorthEast

West

Resort

Boulder County El Paso Teller

Adams Arapahoe

Broomfield Clear Creek

Denver Douglas Elbert Gilpin

Jefferson Park

Larimer Mesa Weld Pueblo Baca Bent

Cheyenne Crowley Custer Frmont

Huerfano Kiowa

Kit Carson Las Animas

Lincoln Mineral Otero

Prowers Alamosa Chaffee Conejos Costilla

Rio Grande

Logan Morgan Phillips Sedwick

Washington Yuma

Archuleta Delta

Dolores Grand

Gunnison Hinsdale Jackson La Plata

Lake Moffat

Montezuma Montrose

Ouray Rio Blanco

Routt San Juan

San Miguel

Eagle Garfield Pitkin

Summit

Saguache

Colorado Rating Areas by County

8686

Colorado Rating Area Map

10

115

1

2

3

4 6

78

9

10

Rating Area 1 = Boulder ( Counties 1 )Rating Area 2 = Colorado Springs ( Counties 2 )Rating Area 3 = Denver ( Counties 10 )Rating Area 4 = Fort Collins ( Counties 1 )Rating Area 5 = Grand Junction ( Counties 1 )

Rating Area 6 = Greeley ( Counties 1 )Rating Area 7 = Pueblo ( Counties 1 )Rating Area 8 = South East ( Counties 20 )Rating Area 9 = North East ( Counties 6 )Rating Area 10 = West ( Counties 17 )Rating Area 11 = Resort ( Counties 4 )

8

8787

Access Health Colorado / New Health Ventures Individual Market

Unique Offerings and Programs• Statewide PPO – see any provider in Colorado• More specialists• Behavioral health providers and primary care providers have the

same low copay• Local call center• Integrated care with complete health and wellness programs• Parent company, Colorado Access has more than 18 years of

experience as a public insurance carrier• Many avenues for member input and engagement – we listen to youService Area• Statewide Coverage

8888

Anthem BlueCross and BlueShield Individual & Small Group Market

Unique Offerings and ProgramsOnce you’re a member, these tools and services will help put you in control:• 24/7 NurseLine: access to a registered nurse who’s trained to help you

make informed health care decisions.• Find a Doctor: helps you find doctors, hospitals, pharmacies and

specialists in your area.• Zagat Health Survey: see what other patients have said about doctors and

hospitals before you use them.

Service Area• Statewide Coverage

8989

Cigna Individual Market

Unique Offerings and Programs• 24/7 Call Center making Cigna the first national health service company to

offer customer service call center hours 24 hours a day, 7 days a week to answer questions at any time.

• Online Tools to compare the cost and quality of medications, medical services, and hospital care.

• Health Information Line Staffed by Trained Nurses who can offer detailed answers to health questions, available 24 hours a day, 7 days a week.

• Door-to-Door Home Delivery Pharmacy that offers both convenience and reduced costs for prescription drugs.

• Healthy Rewards® Discount Program for weight management and nutrition products, tobacco cessation, fitness club memberships and more.

Service Area• NO Statewide Coverage, limited 6 counties rating area 3

9090

Cigna Individual Service Area

Cig

na

Cigna

Cigna

Cigna

Cigna

Cigna

9191

Colorado Choice Health Plans Individual & Small Group Market

Unique Offerings and Programs• Care Management Programs with Nurse Navigators to help guide patients towards

their health care goals• Health and Wellness programs and educational materials that are member centric• Best Practice Protocols developed by physicians and nationally recognized provider

organizationsPilot programs:• Prometheus – provides physicians with individually-based patient information

designed to avoid unnecessary costs and improve health outcomes• Engaged Benefit Design – engages both the patient and provider in shared decision

making and provides incentives for the use of high value, evidence-based services• Colorado Primary Care Initiative – provides primary care physicians with data and

tools to improve the health of their patient populationsService Area:• No Statewide, 30 counties & 6 rating areas

9292

Colorado Choice Health Plans Service Area

CO Choice

CO Choice

CO Choice

CO Choice CO Choice

CO Choice

CO Choice

CO Choice

CO Choice

CO Choice CO Choice

CO Choice

CO Choice

CO Choice

CO Choice

CO Choice

CO Choice

CO Choice

CO Choice

CO Choice

CO Choice CO Choice

CO Choice

CO Choice

CO Choice

CO Choice

CO Choice CO Choice

CO ChoiceCO Choice

9393

Colorado HealthOP Individual & Small Group Market

Unique Offerings and ProgramsColorado HealthOP offers incentives for preventive care. That means that our members receive rewards for doing a few simple screenings each year. Rewards may include money in health incentive accounts, smaller out-of-pocket maximums or credits toward deductibles.As a cooperative (CO-OP), Colorado HealthOP also offers members the chance to affect what is covered in their benefit structure. Starting in 2014, members will be elected to the CO-OP’s board of directors. Board members will guide the future of the CO-OP, including what is covered in benefit plans.

Service Area:• Statewide coverage for PPO plans• EPO accesses to Central Metro Network – limited 17 counties & 7 rating areas

9494

Colorado HealthOP Central Metro Network (EPO)

COOP

COOP

COOP

COOP

COOP

COOP

COOP

COOP

COOP

COOP

COOP

COOP

COOPCOOP

COOP

COOP

COOP

9595

Denver Health Medical Plan / ELEVATE Individual Market

Unique Offerings and Programs• Mom’s To Be: A program offering incentives to encourage pregnant women to

get prenatal care. Incentives include two months of diapers, an umbrella stroller, and a car seat.

• Baby’s First Year: Preventive care is especially important during a child’s first year of life. This is when vaccinations are given and growth patterns can be watched. This program encourages this care by offering incentives such as a baby monitor, diapers and a play gym.

• Take Control Of Your Health: An extensive health and wellness program that includes classes on general health topics, living with chronic diseases, and Cooking Matters, a hands-on healthy cooking class. In addition, we also offer a shopping class — learn how to buy healthy foods on a budget.

• Health Coaching: One-on-one health coaching for members to achieve health-related goals, like quitting smoking and weight loss.

Service Area• No Statewide coverage limited to 3 counties & 1 rating area

9696

Denver Health Medical Plan / ELEVATE Service Area

DH DHDH

9797

Humana Individual Market

Company at a glance• Works with you to put you in control of your healthcare costs.• Offers access to valuable tools to give you greater control of your

healthcare dollar.• Gives you access to health and well-being tools that remind you to

live well.

Service Area• No Statewide coverage limited to 8 counties & 2 rating areas

9898

Humana Service Area

Humana Humana

Humana

Humana

Humana

Humana

Humana

Hum

ana

9999

Kaiser Permanente Individual & Small Group Market

Thrive is the philosophy we live by. It’s the belief that being healthy is the basis for living well and embracing all the possible ways you can flourish and prosper. To help you reach your highest state of well-being we offer convenience, patient-centered care, online accessibility, tips and tools for wellness, and more.• CONVENIENCE — At most Kaiser Permanente facilities and medical centers, you

get one-stop service for primary care, lab tests, X-rays, and pharmacy.• CHOICE — Make an informed choice by reviewing our doctors’ credentials

online — education, certifications, secondary languages, and specialties. And you have the option of changing your primary care physician any time.

• INNOVATIVE TOOLS — Stay connected to your health 24/7 with your electronic health record. You can refill most prescriptions, schedule routine appointments, email your doctors, view most lab results, and much more — all from the convenience of your computer or phone.

Service Area:• No Statewide coverage limited to 24 counties & 8 rating areas

100100

Kaiser Permanente Service Area

KPDB

KPDB

KPDB

KPDB

KPDB

KPDB KPDB

KPDBKPDB

KPDB

KPDB

KPDB

KPDB KPDB

KPNC

KPCS

KPCS

KPCS

KPCS

KPCS

KPCS

KPCS

KPCS

KPCS

101101

Rocky Mountain Health Plans Individual & Small Group Market

Rocky Mountain Health Plans believes preventive care and a healthy lifestyle are key to maintaining good health. We offer a variety of health and wellness programs which give our Members the tools to stay in control of their health.Rocky Mountain Health Plans’ worksite wellness programs provide the tools and resources to assist employers in improving the health of their employees.Rocky Mountain Health Plans offers Disease Management Programs that help our Members manage chronic health conditions. Our programs offer learning materials, advice and care tips.Rocky Mountain Health Plans’ Foundation funds projects that:• Help pregnant women to stop smoking by providing free diapers as an incentive

to quit.• Support weight management programs for kids and their parents.• Promote physical activities for students during the school day.• Help homeless students maintain good hygiene by providing hygiene kits.Service Area – Statewide coverage both PPO & HMO

102102

SeeChange Health Insurance Small Group Market

SeeChange Health focuses on wellness and prevention, which is why we pay you to see your doctor. Employees (and spouses/domestic partners) earn rewards for completing easy, voluntary preventive Health Actions:• a short, online Health Questionnaire• a Biometric Screening (basic lab tests)• a Preventive Exam including cancer screenings.It’s that easy. And we pay 100% of the cost of for completing your preventive Health Actions. It pays to be proactive. Members receive financial rewards each year for completing their preventive Health Actions. Rewards vary based on the plan selected, including:• Deposits into a Health Incentive Account (HIA)• Deductible reimbursementWhen preventive Health Actions uncover specific chronic conditions members can earn more rewards for completing additional Health Actions aimed at helping them manage those conditions.

Service Area – Statewide coverage

103103

UnitedHealthcare / All Savers Individual Market

Unique Offerings and Programs :• At Home and on the Go: We are here when you need us and where you need us.

You can reach us on the phone (Customer Service line), online (myuhc.com) or your cell phone (Health4Me app).

• Source4Women is an online resource on myuhc.com where women can find information and tools for health, fitness, nutrition and more. The website offers a community where women can learn from one another, share stories and attend free webinars on many women’s health issues.

• UHC.TVSM is the first-ever online TV channel dedicated to making health care more human. This public website explains health care benefits in everyday language and features humorous and heart-warming videos

• Premium Designation: The UnitedHealth Premium® designation program is a simple two-star rating system to help you see which doctors and specialty centers in your area are recognized for providing quality and cost-efficient care.

Service Area:• No Statewide coverage limited to 47 counties & 5 rating areas (Not in Denver)

104104

UHC

UHC

UHC

UHC

UHC

UHC

UHC

UHC

UHC

UHC

UHCUHC

UHC

UHC

UHC

UHC

UHC

UHC

UHC

UHC

UHCUHC

UHC

UHC

UHC

UHC

UHC

UHC

UHC

UHCUHC

UHC

UHC

UHC

UHC

UHC

UHC

UHC

UHC

UHC

UHC

UHC

UHC

UHC

UHC

UHC

United HealthCare / All Savers IndividualService Area

health plan market & benefit comparison part ii presented by cliff craig health plan account...

Documents

individual deductible

type of health plan

medical plan

type of health insurance

network care

plans network

health colorado slide

carrier slide