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Colorado Uninsurable Health Insurance Plan - CUHIP

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The following information is provided by Colorado Legal Services. It is intended as general information only, and is not meant as legal advice for any specific situation. If you need legal advice, consult an attorney.

Cover Colorado, Previously the Colorado
Uninsurable Health Insurance Plan (CUHIP)

Cover Colorado is a Colorado program that offers health insurance to Colorado residents who cannot purchase affordable health insurance because of preexisting medical conditions. Cover Colorado offers two programs: a statewide preferred provider organization (PPO), and a Health Maintenance Organization (HMO).

To be eligible for the Cover Colorado program, an applicant must:

1. have applied to an insurance company for health insurance and been rejected because of present health or a previous medical condition; or been accepted with an exclusion of coverage for a preexisting medical condition for a period exceeding six months; or been accepted but at a premium rate exceeding the rate available through CUHIP; or,

2. have one of the following medical conditions: AIDS or HIV, metatastic cancer, cirrhosis of the liver, Crohn's disease, cystic fibrosis, diabetes, insulin dependent, hemophilia, huntington's disease, kidney disease requiring dialysis, leukemia, lupus erythematosus disseminate, malignant, tumor within four years, multiple or disseminated sclerosis, myasthenia gravis, paraplegia or quadriplegia, parkinson's disease, psychotic disorders, or stroke.

The applicant must also not have had health insurance coverage terminated for non-payment of premiums.

Applicants must also:

1. be U. S. Citizens, have legal alien status, or be adopted children;

2. have permanently resided in Colorado for at least six months;

3. not owe any amount of Colorado Income Tax;

4. not be eligible for Medicare, Medicaid or other public or private programs;

5. have not been terminated from the Plan less than twelve months prior to the date of the current application;

6. have not received $500,000 in benefits from CUHIP; and

7. not be inmates or residents of public institutions.

During the first six months expenses related to pre-existing conditions are not covered. A pre-existing condition is an injury, sickness or pregnancy for which one has incurred charges, received medical treatment or consulted a healthcare professional within six months immediately preceding the effective date of coverage. If the patient has taken prescription medications or insulin for the condition, or he or she has received diagnostic testing to monitor a condition, the condition is considered to be preexisting.

The waiting period can be partly or wholly waived if the applicant's previous coverage terminated within 90 days of the effective date of CUHIP coverage. Such "prior credible coverage" can include Medicaid.

To enroll in Cover Colorado, call 1-800-672-8447 or 303-863-1960.




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