Thursday, December 21, 2017

Tax Reform Bill Repeal Beginning in 2019

December 20, 2017
Tax Reform Bill Includes Repeal of Individual Mandate Beginning in 2019
On Dec. 20, Congress passed the Tax Cuts and Jobs Act, which makes significant changes to individual and corporate provisions of the U.S. tax code, including a reduction in the corporate tax rate to 21%, down from 35%, beginning in 2018. The bill includes permanent effective repeal of the Affordable Care Act (ACA) individual mandate, requiring individuals to purchase and maintain health coverage, by zeroing out the penalty beginning in 2019. For 2018, most individuals are still required to maintain coverage or pay a penalty when they file their 2018 federal income tax return.
The bill was negotiated by a conference committee comprised of representatives from both the Senate and House after each chamber passed their own versions of tax reform. The final bill was passed 51-48 by the Senate and 224-201 by the House before being sent to the President. President Trump is expected to sign the bill into law soon.
The bill also changes how certain tax thresholds will be indexed for inflation. Affected provisions, including the ACA “Cadillac” Tax (scheduled to take effect in 2020), will now be indexed to the Chained Consumer Price Index (CPI) instead of the regular CPI (the previous metric). That change makes it likely that more employer-sponsored plans would trigger the Cadillac tax sooner.
Judicial challenge: Expanded exemption for covering contraceptive services  
As we shared in our Oct. 13 alert, the Administration expanded the ACA contraceptive coverage exemption through the Interim Final Rules (IFRs) released by the Department of Health and Human Services on Oct. 6. On Dec. 15, a Pennsylvania federal court temporarily blocked the IFRs, ruling that the language of the ACA does not allow for such exemptions.
Since the preliminary injunction was issued by a federal court, the new IFRs cannot be enforced in any state unless or until it is removed. The injunction maintains the status quo. It does not impact exemptions or accommodations to the contraceptive coverage requirement granted prior to Oct. 6, 2017. Employers who may have been newly eligible for an exemption under the IFRs can only seek the exemption if they qualify under the previous contraceptive coverage mandate rules and follow the accommodation process. The Administration is expected to appeal this decision.
Staying informed
To stay up to date on the evolving state of health care reform, visit www.InformedonReform.com, including the new Repeal and Replace Update webpage.
Jo Anne is back!

Wednesday, December 6, 2017

What Exactly Is Stress?

Stress is unavoidably unavoidable. Even the most Zen yogis experience stress in their lives, and for everyday people, stress is something with which we have to learn to live. Just because we can’t always escape stressful situations or stressful times doesn’t mean there isn’t anything we can do to manage stress when it comes.
We sat down with Dr. Di Thompson, medical director of behavioral health and integrative services at Penrose-St. Francis and South State Operations in Colorado Springs, Colo., to talk about stress and what we can do to manage it.

What exactly is stress?

Everyone experiences stress differently, and stress can present itself in a number of different ways for different people. But, by definition, stress is a state of mental or emotional strain resulting from adverse or demanding circumstances. Simply put, stress is our body’s reaction to something that’s happened.
We often correlate stress with bad or negative experiences or events in our lives. But, did you know stress can also happen during fun events, too? We experience stress when we ride a roller coaster, enter into a new relationship, start a new job and numerous other experiences throughout our lives; and this stress can actually be beneficial and help us function better.
The more common form of stress presents as our body’s reaction to something negative or overwhelming in life, and should be paid closer attention to when it comes to coping with it.

How can we decrease our stress levels?

Little things throughout the day can help significantly lower stress levels when they start to rise. This can include practicing your favorite hobby, exercising, disconnecting with technology or taking some time to practice mindfulness. Even if you only have a couple of minutes each day, writing down three positive affirmations each morning or telling yourself five reasons you’re amazing before going to sleep can improve your overall outlook on a situation.
We also live in the real world, and some of our stressors are inescapable. If you’re dealing with a difficult work situation or something you can’t remove yourself from, try and focus on ways to improve your own self-care and not necessarily try to fix the external situation. You’d be surprised how much it helps.
How does stress physically impact our lives?
Extreme stress can cause people to feel just as bad physically as it does mentally, so it’s equally important to recognize the physical signs of stress.
Many of us often feel sick to our stomach when we’re especially stressed – and there’s good reason for it. One of the hormones in our body that affects stress is serotonin, and apart from the brain, our stomach holds the most amount of serotonin in our bodies. When stress increases, so does our serotonin.
Other physical symptoms of stress can include headaches, insomnia, gastrointestinal distress, palpitations and even shakiness.
So, when is too much stress too much?
Stress can be too much to handle when someone is feeling so overwhelmed that it’s beginning to impact his or her daily life. When this happens, identifying where the stress is coming from can help you examine the situation and determine what can be done to make that particular situation less stressful.
Sometimes it helps to think about and identify stressors in particular buckets. What is your stress caused by? Family? Money? Work? Loss? Physical? The first step to alleviating stress is identifying it, after which you can figure out how to combat it.
When stress becomes too much, simply talking to someone about your situation can go a long way. Whether that’s talking with friends and family or seeking professional help, other people’s insights and perspectives can help you gain perspective on what’s most important in your life.

Author: Dr. Di Thompson
Dr. Di Thompson is the medical director, behavioral health and integrative services at Penrose-St. Francis and South State Operations. She is a psychiatric oncologist and women’s health specialist. Since completing her residency at the University of Pittsburgh Medical Center, she has specialized in treating cancer patients and women with a focus on midlife and menopause issues. In addition to her role as a psychiatrist, she is a certified a menopause practitioner and hypnotherapist. Prior to moving to Colorado in 2012, she and her husband resided in Honolulu where she was the medical director for Women’s Health and the Program Director for the Cancer Center at Queen’s Medical Center. Her prior positions included medical director of psychiatric oncology at the Winship Cancer Center in Atlanta and medical director of behavioral health for the Pittsburgh Cancer Center and Magee Women’s Hospital in Pittsburgh. She is well published, has spoken at many medical conferences and has appeared on both local and national television discussing topics related to cancer and quality of life. Outside of work, she enjoys running, skiing, hiking and biking.

Friday, December 1, 2017

Medical Plan Increase 29% for Colorado

With all the uncertainty in the public policy, many of us did not know what to expect in this Open Enrollment Period. Now, as we approach the midway point, we have reason to be optimistic.

Medical plan selections reached 43,881 in November, a rate that is 29% ahead of the rate in November 2016. You can find more detail in today’s media release.
Kevin Patterson, CEO
In the News
Families relying on the Children’s Health Insurance Program, Child Health Plan Plus (CHP+) in Colorado, began receiving notices this week that the program will not continue beyond January 31, 2018, unless Congress reauthorizes funding. The program serves more than 75,000 children and 800 pregnant women in our state. We continue to coordinate with the department of Health Care Policy and Financing to move those families to private insurance through Connect for Health Colorado. Although they should continue to use their CHP+ benefits through January, we encourage participants in CHP+ to start researching the options available to them and we have posted information on our site to assist that effort.

Thursday, November 30, 2017

Senate Plans to End Obamacare Mandate in Revised Tax Proposal

WASHINGTON — Senate Republicans have decided to include the repeal of the Affordable Care Act’s requirement that most people have health insurance into the sprawling tax rewrite, merging the fight over health care with the high-stakes effort to cut taxes.
They also have made a calculated gamble to help speed their bill to passage on a party-line vote: Republicans revealed late Tuesday they would set all of their tax cuts for individuals to expire at the end of 2025, to comply with a procedural requirement. Their deep cut in the corporate tax rate would remain permanent.
Both the expiration decision and the move to tuck the repeal of the so-called individual mandate into the tax overhaul are attempts by Republicans to solve two problems: math and politics. Repealing the mandate, a longstanding Republican goal, would save hundreds of billions of dollars over the next decade. That would free up money that is earmarked to expand middle-class tax cuts.
Setting individual provisions to expire helps hold down the overall cost of the bill, which can add no more than $1.5 trillion to the deficit over 10 years and cannot add to deficits after 10 years. Mandate repeal could also help secure the votes of the most conservative senators, enabling lawmakers to pass the bill along party lines.
The decision to set individual provisions to expire at the end of 2025 could set up a potential “fiscal cliff” situation then, akin to the one President Barack Obama and Congress faced at the end of 2012. Those breaks include tax-rate reductions, the near-doubling of the standard deduction and a provision to reduce the number of Americans who would have to pay the estate tax. Republicans made those changes to stay within Senate rules that allow them to pass the bill on a party-line vote; as promised, they did not set expiration dates on the bill’s corporate rate cut.
Continue reading the main story
Continue reading the main story
If the bill were to become law, and Congress did not seek to make those provisions permanent, tax bills would rise for vast parts of the country in 2026.
The mandate repeal would save more than $300 billion over a decade but result in 13 million fewer Americans being covered by health insurance by the end of that period, according to the Congressional Budget Office. Republicans said on Tuesday that they would use the savings — which stem from reduced government spending to subsidize health coverage — to pay for an expansion of the middle-class tax cuts that lawmakers had proposed.

Monday, November 20, 2017

Health Insurance sign ups through Colorado Exchangonthe rise

WASHINGTON (AP) — The White House says it's willing to strike a health care provision from Senate legislation to cut taxes and overhaul the tax code if the provision becomes an impediment to passing one of President Donald Trump's top legislative priorities.
The provision would repeal a requirement that everyone in the U.S. have health insurance or pay a fine, but it has emerged as a major sticking point for Republican Sen. Susan Collins of Maine, whose vote the White House needs. Collins said Sunday that the issue should be dealt with separately.
Striking the provision would blow a big hole in the senators' tax plan, leaving them $338 billion short of their revenue goal over the next 10 years.
Senators would have to find the money elsewhere to meet the revenue goal mandated by the budget resolution passed by the Senate and House earlier this year. But so far, there is no consensus among senators on how to come up with the money.
Trump's budget director, Mick Mulvaney, said the White House is open to scrapping the provision, which would repeal a key component of the health care law enacted by President Barack Obama. Trump had pressed for the provision to be added to the bill, partly to show progress on the GOP goal of undoing the health care law following Congress' failed attempts to repeal it earlier this year.
"I don't think anybody doubts where the White House is on repealing and replacing Obamacare. We absolutely want to do it," Mulvaney said Sunday. "If we can repeal part of Obamacare as part of a tax bill and have a tax bill that is still a good tax bill that can pass, that's great.
"If it becomes an impediment to getting the best tax bill we can, then we're OK with taking it out," Mulvaney added.
Legislative director Marc Short said Sunday that the White House "is very comfortable with the House bill," which does not include the individual mandate. But Short also said the White House views the mandate as a tax and "we like the fact that the Senate has included it in its bill."
Collins said Sunday that the tax advantage that some middle-income consumers would reap under the tax bill could be wiped out by repealing the mandate under the Affordable Care Act. She said they would face higher insurance premiums coupled with the loss of federal subsidies to help them afford coverage.
"The fact is that if you do pull this piece of the Affordable Care Act out, for some middle-income families, the increased premium is going to cancel out the tax cut that they would get," Collins said.
Collins said she hasn't decided how to vote on the bill because it will be amended before it reaches the Senate floor. But her vote is crucial in a chamber where Republicans hold a slim 52-48 advantage.
Last week, Sen. Ron Johnson of Wisconsin became the first Republican to declare opposition, saying the plan wouldn't cut business taxes enough for partnerships and corporations. GOP Sens. Bob Corker of Tennessee, John McCain and Jeff Flake of Arizona, and Rand Paul of Kentucky have also expressed concerns.
Republicans can lose just two senators on the final vote, which would allow Vice President Mike Pence to cast a tie-breaking 51st vote in his capacity as president of the Senate. Democrats are not expected to support the bill, as was the case when the House passed its version last week.
Treasury Secretary Steven Mnuchin said the mandate amounts to "an unfair tax on poor people."
"The president thinks we should get rid of it. I think we should get rid of it," he said, but added: "We're going to work with the Senate as we go through this."
Mulvaney and Collins were interviewed on CNN's "State of the Union." Mnuchin spoke on "Fox News Sunday." Collins also appeared on ABC's "This Week," as did Short.
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WASHINGTON (AP) — The White House says it's willing to strike a health care provision from Senate legislation to cut taxes and overhaul the tax code if the provision becomes an impediment to passing one of President Donald Trump's top legislative priorities.
The provision would repeal a requirement that everyone in the U.S. have health insurance or pay a fine, but it has emerged as a major sticking point for Republican Sen. Susan Collins of Maine, whose vote the White House needs. Collins said Sunday that the issue should be dealt with separately.
Striking the provision would blow a big hole in the senators' tax plan, leaving them $338 billion short of their revenue goal over the next 10 years.
Senators would have to find the money elsewhere to meet the revenue goal mandated by the budget resolution passed by the Senate and House earlier this year. But so far, there is no consensus among senators on how to come up with the money.
Trump's budget director, Mick Mulvaney, said the White House is open to scrapping the provision, which would repeal a key component of the health care law enacted by President Barack Obama. Trump had pressed for the provision to be added to the bill, partly to show progress on the GOP goal of undoing the health care law following Congress' failed attempts to repeal it earlier this year.
"I don't think anybody doubts where the White House is on repealing and replacing Obamacare. We absolutely want to do it," Mulvaney said Sunday. "If we can repeal part of Obamacare as part of a tax bill and have a tax bill that is still a good tax bill that can pass, that's great.
"If it becomes an impediment to getting the best tax bill we can, then we're OK with taking it out," Mulvaney added.
Legislative director Marc Short said Sunday that the White House "is very comfortable with the House bill," which does not include the individual mandate. But Short also said the White House views the mandate as a tax and "we like the fact that the Senate has included it in its bill."
Collins said Sunday that the tax advantage that some middle-income consumers would reap under the tax bill could be wiped out by repealing the mandate under the Affordable Care Act. She said they would face higher insurance premiums coupled with the loss of federal subsidies to help them afford coverage.
"The fact is that if you do pull this piece of the Affordable Care Act out, for some middle-income families, the increased premium is going to cancel out the tax cut that they would get," Collins said.
Collins said she hasn't decided how to vote on the bill because it will be amended before it reaches the Senate floor. But her vote is crucial in a chamber where Republicans hold a slim 52-48 advantage.
Last week, Sen. Ron Johnson of Wisconsin became the first Republican to declare opposition, saying the plan wouldn't cut business taxes enough for partnerships and corporations. GOP Sens. Bob Corker of Tennessee, John McCain and Jeff Flake of Arizona, and Rand Paul of Kentucky have also expressed concerns.
Republicans can lose just two senators on the final vote, which would allow Vice President Mike Pence to cast a tie-breaking 51st vote in his capacity as president of the Senate. Democrats are not expected to support the bill, as was the case when the House passed its version last week.
Treasury Secretary Steven Mnuchin said the mandate amounts to "an unfair tax on poor people."
"The president thinks we should get rid of it. I think we should get rid of it," he said, but added: "We're going to work with the Senate as we go through this."
Mulvaney and Collins were interviewed on CNN's "State of the Union." Mnuchin spoke on "Fox News Sunday." Collins also appeared on ABC's "This Week," as did Short.
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Wednesday, November 15, 2017

Republicans begin pushing tax cut bill through Congress erasing the Affordable Care Act' mandate


WASHINGTON (AP) — Republicans began pushing a broad tax cut for businesses and many individuals through the Senate Finance Committee on Wednesday, a measure complicated by a late addition — repeal of the Obama health care law's requirement that Americans get insurance coverage.
Erasing the Affordable Care Act's individual mandate provided Republicans with more money that they used to make some tax breaks for people modestly more generous. But it raised questions about whether it might prompt some moderate GOP senators to back away from the measure.
The nonpartisan Congressional Budget Office has projected that dismantling the requirement would mean 4 million additional uninsured people by 2019 and 13 million more uninsured by 2027. Worries about leaving more people without coverage were among the reasons GOP attempts to outright repeal much of President Barack Obama's law crashed in the Senate this summer.
Republicans controlling the Senate 52-48 can afford to lose only two votes and still push the measure through the chamber, since all Democrats seem likely to oppose the package.
In another money-saving move, Hatch changed his bill late Tuesday to abruptly end the personal tax reductions after 2025. Under Senate rules, if legislation bill drives up federal budget deficits after 10 years it cannot be shielded from bill-killing filibusters by Democrats. It takes 60 votes to end a filibuster, numbers Republicans don't have.
The corporate tax cuts would be permanent. They include dropping the corporate tax rate from 35 percent to 20 percent.
"Keeping the individual mandate tax in place means retaining the status quo, which isn't working all too well," said Senate Finance panel chairman Orrin Hatch, R-Utah. "Zeroing it out means we have a chance to provide greater tax relief to middle-class families, through both reduced penalties and lower overall rates."
The Finance committee was hoping to approve the measure by week's end. Republicans were planning the House would approve a similar tax bill on Thursday, though that version left the health law's coverage requirement intact.
White House legislative director Marc Short said President Donald Trump spoke Wednesday to Senate Majority Leader Mitch McConnell, R-Ky., and House Speaker Paul Ryan, R-Wis., about the tax legislation. Trump plans to talk to House Republicans about their measure at the Capitol on Thursday to rally support before the House vote.
Short said Republicans feel they have momentum but added, "We're always concerned. The reality is we don't have a large margin in the Senate."
Eliminating the mandate provides Republicans with $318 billion in 10-year savings, due to fewer people who'd be expected to get government-subsidized health coverage. It imposes a tax penalty on people who don't have insurance at work and don't buy an individual policy.
Democrats pounced on the GOP changes.
"My colleagues on the other side have now shown their hand. The corporate handouts are permanent, the family breaks are not," said Oregon Sen. Ron Wyden, top Democrat on the Finance Committee. "To pay for these handouts to multinational corporations, millions of Americans are going to lose their health care, millions will see their premiums skyrocket, and millions will get hit with a tax hike."
Hatch's revised version of the tax bill would double the child tax credit to $2,000 from the current $1,000. The credit would rise to $1,600 under the House bill.
Also, Hatch's revision makes slight reductions in individual tax rates for three moderate income brackets, numbers three, four and five of a total seven. The rates are now 10, 12, 22, 24, 32, 35 and 38.5 percent. The House bill shrinks the current seven brackets to four: 12, 25, 35 and 39.6 percent.
The surprise renewal of the effort to eliminate the health care law's mandate came a day after President Donald Trump renewed pressure on Republican lawmakers to include the repeal in their sweeping legislation to revamp the tax system. It carries high political stakes for Trump, who lacks a major legislative achievement after nearly 10 months in office.
Promoted as needed relief for the middle class, the House and Senate tax overhaul bills would deeply cut corporate rates, double the standard deduction used by most Americans and limit or repeal completely the federal deduction for state and local property, income and sales taxes. Republican leaders deem passage of the first major tax overhaul in 30 years as imperative for the GOP to preserve its majorities in next year's elections.
Beyond Trump's prodding, the repeal move was dictated by the Republicans' need to find revenue sources for the massive tax-cut bill, which calls for steep reductions in the corporate tax rate and elimination of some popular tax breaks.
To win over moderate Senate Republicans to the tax legislation, the Senate may take up at the same time a bipartisan compromise to shore up health care subsidies, Sen. John Thune, R-S.D., indicated Tuesday. Thune is a member of the Finance panel.
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Associated Press writers Kevin Freking, Andrew Taylor, Ricardo Alonso-Zaldivar, Catherine Lucey and Alan Fram contributed to this report.

Tuesday, November 14, 2017

Open enrollment for health insurance is here, even with much confusion

 Open enrollment for health insurance is here, even with much confusion

 November 14, 2017


Despite months of rancor on Capitol Hill and President Donald Trump's own declaration that Obamacare is "dead" and "gone," the Affordable Care Act remains in place.
And right now, it's sign-up season.
Shoppers only have one month left before the first - and possibly most important - deadline to purchase coverage for 2018. And while signing up for the right plan has always been complicated, experts say this year's sign-up season can be particularly confusing.
"It's unfortunate that the national debate we're having here probably muddied the water more than it's done to clarify anything," said Joe Hanel, a Colorado Health Institute spokesman. "It's a confusing product to buy - it's not an exciting product to buy. There's a lot of consumer education that needs to happen."

Senate Tax Bill To Include Rpeal Obamacare Mandate

Sunday, November 12, 2017

Obamacare signups for 2018 have started- with new rules

INDIANAPOLIS (AP) — Doctors and patients are worried about a push by the nation's second-largest health insurer to limit emergency room visits to major problems like heart attacks or strokes.
The Blue Cross-Blue Shield insurer Anthem has notified customers in a few U.S. states that they may foot the bill if they go to the ER for minor complaints. It's the latest attempt by the insurance industry to crack down on unnecessary and pricey hospital trips.
Anthem says it's focusing on claims the average person knows should not be seen in the ER.
But doctors say this policy may scare people away from the ER in a real emergency.
The insurer has warned patients in Kentucky, Georgia and Missouri and will add other states where it sees a rise in unnecessary ER visits.

Monday, November 6, 2017

TRUMP: Obioid Crisis A Public Health Emergency

WASHINGTON — President Donald Trump on Thursday declared the opioid crisis a nationwide public health emergency — a step that won't bring new dollars to fight a scourge that kills nearly 100 Americans a day but will expand access to medical services in rural areas, among other changes.
"This epidemic is a national health emergency," Trump said in a speech at the White House, where he bemoaned a crisis he said had spared no segment of American society.
"As Americans we cannot allow this to continue," he said.

Saturday, November 4, 2017

Trump Calls For Health Mandate Repeal

President Donald Trump called Wednesday for repealing the Obamacare individual mandate in a tax overhaul, a day before House GOP leaders planned to unveil a bill without that provision.
In a pair of tweets, Trump said: “Wouldn’t it be great to Repeal the very unfair and unpopular Individual Mandate in ObamaCare and use those savings for further Tax Cuts for the Middle Class. The House and Senate should consider ASAP as the process of final approval moves along.”
The idea, proposed Sunday by Senator Tom Cotton of Arkansas, could complicate the plans of Republicans to keep the health care and tax debates separate. Party leaders worry that reopening the politically painful Obamacare debate would cost them crucial votes on a tax bill.
“What I don’t want to do is to add things that could again kill tax reform like health care died over there,” House Ways and Means Chairman Kevin Brady said Tuesday on Hugh Hewitt’s radio show, when asked about the idea. “So I say focus on jobs and growth and leapfrogging America to the lead pack worldwide.”
A "skinny" repeal of Obamacare that scrapped the individual mandate failed in July to pass the Senate after three GOP senators defected. Scrapping the mandate’s tax penalty on most Americans who don’t purchase insurance would raise $416 billion over a decade, and increase the number of uninsured by 15 million, according to a December 2016 estimate by the Congressional Budget Office.

50 Votes

White House Press Secretary Sarah Huckabee Sanders seemed to contradict the president’s stance on including individual mandate repeal in tax legislation during a press briefing Wednesday. “We’re focused on pushing through tax cuts and tax reforms, separately,” Sanders said.
“Obviously we’ve never made it a secret that we’d like to repeal and replace Obamacare,” she said, adding “We still think it’s probably more likely to do something like that in the spring.”
Senate Republican Conference Chairman John Thune said Tuesday he doesn’t know if the upper chamber’s tax legislation would ax the Obamacare mandate. "I don’t anticipate that it will, but at this point I wouldn’t want to rule it out," he said.
Still, the South Dakota Republican said the idea has appeal. “I’m actually somewhat interested in that, because it has significant revenue implications,” he said. “The question is: Are there 50 votes for something like that in the Senate?”
By the Washington Post

Friday, November 3, 2017

Colorado Child Health Plan Chp+

While funding for the Children’s Health Insurance Program, Child Health Plan Plus(CHP+) in Colorado, awaits Congressional reauthorization, preparation continues in Colorado. Health Care Policy and Financing (HCPF) has estimated existing funding will carry the program through the end of January 2018. HCPF is providing updates on its Future of Child Health Plan Plus page, including a sample letter to members that will go out the last week of November, if funding is not restored.

Thursday, November 2, 2017

Notifications for enrollmen & payment status

eal-time notifications for enrollment and initial payment status

October 30, 2017

Did you know we get more than 300,000 calls a year from members enrolling in Individual ACA (Affordable Care Act) plans who just want to find out the status of their application or initial payment? Sometimes this means our members have to wait on the line to talk to someone over the phone. So we wanted a better, easier solution for them. Now, instead of having to call us, we simply send them a confirmation email, if they gave us an email address. This email lets them know in real time when their enrollment is complete and that we received their initial payment.
Confirmation notices go to both on- and off-exchange, new and current Individual ACA members. As long as we have a valid email address on file, they will get an enrollment confirmation email when they enroll for new benefits.
Online confirmations
We made similar updates for members completing online applications through Shopper or MyAnthem Choices. These online applicants will get email confirmations, too. But they also can log in and track their enrollment status in real time on their home page dashboard. They'll see an updated confirmation page with easy-to-understand messages about their application and initial payment status, and clear details about what, if any, next steps are needed.
Initial payment reminders
Starting November 8, we’ll send initial payment reminders to on-exchange customers with an email address, if they  didn't include payment with their application. These customers will still get a letter reminder in the mail. But the email reminder will arrive in their inbox much faster and will encourage them to pay online.
More to come
Looking ahead, we have plans to update many more application-related functions and follow-up communications. These include proposal, application transfer and application status emails, reminders and expiration notices. Some updates are scheduled to launch as early as December.
So stay tuned for more information to come.

Wednesday, November 1, 2017

Connect for Health Colorado Customer Notices

Connect for Health Colorado Customer Notices
Information about two important versions of our customer notifications are below:

Renewal Noticing Schedule       
The renewal notices will be sent by mail and email the week of October 30. The renewal notices can be viewed in customers’ accounts beginning Wednesday, November 1.

Similar plans
Some plans appear by name and description to be the same in 2018 as 2017. Although they might appear to be very similar, in some cases there is enough of a difference that the 2017 plan may not be auto-renewed. For customers enrolled in these 2017 plans, the similar 2018 plan will be their suggested plan. As with all 2018 health plan selections, we urge customers to carefully review the plan benefits to assure the benefits meet their anticipated needs (for example, doctors, hospitals, prescriptions) for 2018. These customers must actively select and enroll, whether they choose a suggested plan or other coverage, and make the initial January payment.