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B
A
B
B
It
is
also
the
time
when
we
have
to
sign
up
to
buy
health
insurance
or
receive
it
through
our
employees
And.
So
today
we
have
a
guest
who
brings
us
a
lot
of
information
for
those
people
who
do
not
receive
health
insurance
through
their
employees
and
have
to
buy
it
through
the
insurance
market,,
the
marketplace,
and.
A
B
Well
then,
now
we
start
with
the
program
we
want
to
introduce
you.
Today
we
have
Sebastián
as
a
guest
Cifuentes
from
the
Bolder
County
Department
of
Housing
and
Human
Services
Sebastian
has
worked
as
a
health
coverage
specialist
for
a
long
time,
and
he
comes
to
talk
to
us
about
the
annual
enrollment
period
and
also
some
information.
We
have
about
a
new
option
for
undocumented
immigrants,
who
are
looking
to
be
covered.
for
health
insurance.
D
D
January
15
of
the
following
year,
true
in
this
case,,
make
January
15,
2023
good
And.
This
has
been
Well
for
the
last
few
years
since
the
health
care
reform
was
implemented
in
the
Obama
government,
and
that
is
why
the
name
given
to
it
like
Obama
want
it.
True,
as
many
people
know
it,
our
state
decided
to
create
its
own
marketplace
or
market
in
which
one
can
buy
medical
coverage,
and
it
is
called
Connector
Health
Colorado.
D
D
D
D
E
D
It
is
an
online
place
in
which,,
like
Amazon,.
It
is
true
where,
after
providing
certain
information,
because
the
system
makes
a
calculation
based
on
your
economic
income,
if
you
qualify
for
financial
assistance,
which
are
Tax
credits,
which
you
can
apply
to
reduce
the
cost
of
your
true
medical
insurance,
either
the
monthly
premium,
the
monthly
cost
of
the
insurance
and
also
the
expenses
that
They
have
to
do.
B
E
F
D
B
D
A
copayment
is
a
fixed
amount
that
certain
services
are
given
at
the
time
that
is,
the
insurance.
For
example,.
If
you
go
to
see
your
family
doctor,
if
you
have
a
fixed,
copayment
Well,
instead
of
that,,
it
may
be
that
you
have
20
dollars
either
25
dollars
10
dollars.
Do
you
know
how
much
you
are
going
to
pay
for
that
service
when
accessing
the
service?
This
specific
service
is
true.
D
In
other
cases,
it
is
not
not
applied
that
way.
Sometimes
coinsurance
is
applied.
It
is
a
bit
complicated.
That
is
because,
first,
we
do
have
a
deductible,
right?
All
health
insurances
have
a
deductible,,
which
is
the
amount
that
one
has
to
cover
their
liability
before
the
insurance
company
begins
to
cover
those
services
that
you
are
using,,
then,
once
you
meet
that
deductible
Normally,
that's
when
the
copao
comes
in,,
which
is
the
percentage
that
you
share
with
the
insurance
company.
D
For
example,,
depending
on
the
insurance
you
have,,
you
may
have
insurance
in
which
the
company,
after
the
deductible,
covers
80%
of
the
cost
of
the
service.
and
you
and
you
pay
20.
So
those
are
like
the
limits
that
you
have
to
comply
with
until
you
reach
a
maximum,
right,
all
the
insurances
that
It
also
has
a
lot
to
do
with
health
reform,.
Everyone
has
an
annual
out-of-pocket
limit
when
it
comes
to
medical
services
that
you
receive
through
that
insurance,
policy,,
right?,
Or,.
D
A
What
would
you
say
when
choosing
a
plan
that
is
perfect
for
you?
This
is
what
people
should
pay
attention
to,
what
they
should
pay
attention,
to,
that
is,
for
example,?
If
I
am
a
person
who
goes
to
the
doctor,
a
lot,,
what
plan
should
I
choose
and
if
I
am
a
person,
I
have
put
relatively
healthy?
That
I
don't
go
to
the
doctor,
much
So
this?
How
you
compare
Which
plans
are
perfect
for.
D
You
the
way
I
have
them
different
levels
right
with
what
they
have
to
do
with
the
amount
of
coverage
one
can
acquire
through
these
plans
and
they
divide
them.
As
I
told
you
in,,
they
give
names
of
names
of
metals.
So.
The
plans
that
are
bronze
do
have
bronze,
silver
and
gold..
The
bronzes
are
the
cheapest,
right
for
your
premiums
are
quite
low,
but
when
it
comes
to
using
the
insurance,
your
outlay
is
much
higher.
So
normally
their
plans
are
people
that
people
who
normally
don't
go
to
the
doctor.
D
Much
who
just
need
regular
checkups,
which
are
free
as
part
of
the
Health
Reform
regular
routine
checkups,
are
totally
free.
So
many
people
get
into
those
plans
when
they
know
that
normally
well,
they
don't
go
to
the
doctor
much
they
just
want
to
do
those
checkups
and
they
want
to
obviously
have
something
to
back
them
up
in
a
c
I
handle
an
emergency,
and
in
the
case
that
you
put
me
If,
it
is
someone
who
knows
that
they
normally
go
to
the
doctor
during
the
year,.
D
It
sometimes
helps
to
give
a
little
more
per
month,
because
that
way
your
disbursement
tends
to
be
less
because
You
start
to
have
those
that
we
were
talking
about
before,.
Sometimes
you
don't
see
those
covered
in
plans
that
are
at
the
bronze
level,,
normally
that
when
If,
you
use
the
insurance
when
you
have
a
bronze
plan,,
sometimes
you
end
up
paying
100%
of
the
cost
of
the
service
that
you
receive,
that
is,
not
It's
a
lot
of
cool
So.
That
way,
sometimes
it
helps
that's.
Why.
D
When
we
meet
with
clients,
we
always
ask
them
to
bring
all
that
information
right
medications
they
are
taking
if
they
are
in
any
kind
of
treatment.
Doctors
who
want
to
see
why
everything
that
is
important
when
looking
for
health
insurance
and
yes,
then
all
those
things
influence
your
decision.
In
reality,
we
are
not.
We
give
general
information,
gives
We,
provide
the
necessary
information
so
that
each
person
who
meets
with
us
can
make
a
well-informed
decision,.
We
cannot
guide
them
and
tell
them.
D
This
is
the
best
plan
for
you,
or
it
is
the
best
insurance
company
for
you,,
because
it
is
one
of
those
decisions
that
you
have.
What.
Should
the
client
take
if
there
is
a
client
who
needs
much
more
support
on
that
side,
right,,
in
which
they
want
someone
to
tell
them
which
insurance
is
the
right,
one?
D
Sometimes,
it
is
better
that
they
talk
to
an
insurance
agent,.
They
are
a
broker
who
has
a
much
closer
relationship.
close
with
each
insurance
company,
and
they
can
give
these
types
of
recommendations.
But
our
mission
or
our
work
as
specialists
in
this
field
does
not
allow
us
to
make
these
types
of
suggestions.
B
C
D
D
And
I
think
that,
as
time
has
gone
by
We've
reached
the
point
where
people
understand
what's
important:
have
health
insurance
and
already
people
are
beginning
to
understand
much
more
about
how
to
use
it.
Because
that
is
the
most
complicated
part
or
even
I,
who
have
spent
so
much
time
in
this
field.
Well,
every
he
year
was
learning
something
new,
right,
and
how
to
get
the
most
out
of
the
medical
insurance.
D
D
D
Who
He
has
seen,
well,
in
situations
working
in
accidents,?
They
had
to
end
up
in
the
emergency
room
later
without
knowing
what
to
do
later,.
Sometimes
they
do
not
receive
enough
information
in
the
hospitals.
ital
What.
Can
you
do,
but
obviously
also
your
condition
if
you
are
undocumented,
because
your
options
are
quite
limited.
Hospitals
have
different
programs
that
help
you
with
costs,
but
there
is
also
medical
and
emergency,
and
there
are
other
programs
that
sometimes
the
community
does
not
No,.
He
is
not
aware
of
them..
D
D
Through
the
local
level,
that
is,
there
has
been
a
lot
of
fighting,
and
in
recent
years
it
was
decided
to
create
a
health
plan
that
tells
you
they
have
standardized
benefits
that
will
be
available
after
this
enrollment
period,
and
which
are
going
to
allow
people
when
it
comes
to
comparing
insurance,.
They
are
all
going
to
have
as
if
they
are
going
to
be
structured
in
the
same
way,
because
that
is,,
if
we
go
back
to
previous
years,
it
is
a
bit
of
an
era,.
D
It
has
always
been
a
little
more
complicated
to
know
what
it
is.
How.
Do
you
return
to
your
question,?
How
do
you
compare
and
what
is
the
best?
Sometimes
one
plan
offers
you
one
thing,,
the
other
doesn't.
The
percentage
you
pay
here
after
deducting
is
different
than
here,.
So
what
has
been
done
now
has
been
done.
Locally.
Creating.
B
See
before
starting
with
omni
health,
yes
I
have
a
question
smeared
on
something
that
maybe
it's
a
myth,
but
I
do
know
of
some
people
who
have
been
like
they
don't
have
a
problem
with
me,
but
they
have
had
a
difficulty
because
and
It's
about
when
you
can
receive
these
Tax
credits.
Basically
The
question
is
sometimes
our
employer,
the
place
where
He
works,
where
one
works,
he
offers
us
medical
insurance
and.
E
B
Children,
but
I
know
of
some
people
who
saw
the
cost
for
the
couple,.
They
were
like,
Oh,.
It's
a
lot.
Let's
go
with
what
the
couple
buys
through
the
or
that
a
person
buys
through
the
marketplace
because
they
thought
it
was
very
expensive,
but
Later,.
He
cannot
receive
the
funds
because
there
is
something
about
what
is
considered.
B
B
D
But.
What
that
did
was
that
those
people
decided
to
go
to
the
Obamamaker
House
Colorado.
The
fact
that
one
person
in
the
family
already
had
access
to
affordable
health
insurance,
and
for
that
there
are
formulas
to
determine
that
it
is
affordable.
That
is
not
true
of
all
its
parts
of
the
program
So.
If
that
is
the
case,
the
family
was
harmed
by
This
is
because
they
could
not
access
financial
aid
to
be
able
to
buy
medical
insurance,.
D
You
could
buy
medical
insurance
without
any
problem
at
through
the
Health
Colorado
connector,
but
without
receiving
any
type
of
assistance
to
lower
the
cost,,
which
made
it
very
expensive,
and
many
families
sometimes
decided
not
to
buy
the
insurance,
that
is,.
It
also
required
a
bit
to
start
there
to
analyze
and
compare
options.
Truth,
the
cost
Maybe
around
here
it
was
a
little
more
with
the
con
going
into
the
insurance
of
the
person
who
had
the
insurance
available
through
the
employer.
D
Maybe
it
would
be
better
if
you
had
better
coverage
comparing
the
coverage
you
could
get
through
rabbit
Colorado,,
which
could
perhaps
be
a
little
cheaper,
but
sometimes
it
was
better
to
enter
the
health
plan
of
the
person
who
had
insurance
through
the
employer
But.
It
was
still
quite
expensive,
but
another
part
of
all
that
is
also
sometimes
evaluating
the
situation
of
the
family
and
everything
has
to
do
with
economic,
income,,
right,
and
see,
for
example,.
D
If
there
are
children,,
sometimes
the
children
do
not
have
to
enter
these
plans,
s
health
Because
they
can
enter
Medicaid
or
they
can
enter
c
HP,
which
are
programs
designed
for
for
for
for
minors,
and
the
limits,
for
example,,
with
the
chp
to
qualify,
are
quite
high
compared
to
medicate.
So
there
are
options,
but
sometimes
it
is
It
is
good.
That,
well,.
That
is
what
we
are
here:
for.
Now.
There
is
the
service
offered
by
the
county
so
that
we
can
see
everything
in
a
more
holistic,
way,
right,
and
evaluate
all
your
options.
So
yes,.
D
A
D
The
omni
health
program,
as
I,
tell
you
at
the
root.
These
plans
were
created
with
standardized
benefits
which
are
available
to
anyone
who
lives
in
Colorado,
regardless
of
their
immigration
status.
So.
These
plans
will
be
available
throughout
Colorado.
During
this
enrollment
period,
that
is,,
you
will
have
that
series
of
insurance
plus
the
insurance
that
you
normally
have
that
have
always
been
part
of
the
program,
or
that
the
insurance
companies
design,,
but
each
insurance
company,
as
a
result
of
this
of
this
law,
have
had
to
design
specific
programs
that
comply
with
these.
D
And
the
big
difference
will
be
when
choosing
those
plans,
I
think
it
will
be.
It
is
going
to
focus
much
more
on
costs,
right,.
How
much
are
you
going
to
pay
monthly
and
also
the
quality
of
the
insurance
and
which
doctors
are
part
of
the
re
d
of
coverage?
Right
then,
Those
are
the
things
that
people
are
going
to
focus
more
on
instead
of
spending
time.
Trying
to
understand.
D
Mean
because
we
are
talking
about
undocumented
people
that
sometimes
it
is
complicated
that
sharing
their
information
and
all
of
that
does
happen.
So
a
different
platform
has
been
created.
That
is,
calls
Colorado
Connect
through
which
one
of
those
people
can
go
to
this
system
in
which
they
will
be
able
to
fill
out
an
application
which
is
super
simple,.
They
will
not
ask
for
information,
Immigration
status.
D
Obviously
I
think.
The
important
thing
here
is
the
economic
income
of
the
family
or
of
the
person
who
is
applying
for
coverage,,
so
based
on
that
is
determined
how
much
help
you
can
receive
and
buy
health
insurance,
right?
So.
There
are
also
certain
limits
for
qualify
But.
The
important
thing
is
that
this
platform
is
completely
secure.
D
This
database
is
not
shared
with
any
Federal
agency,
with
any
agency
that
has
to
do
with
migration.
So
on
that
side,
I
think
that
the
community
should
be
calm,
that
any
information
they
share
in
the
registration
process
will
be
safe
and
will
not
be
shared
with
anyone..
It
will
simply
be
used
to
determine
why
you
qualify,.
D
B
E
D
E
A
B
A
D
Obviously,
you
have
to
make
an
estimate
of
your
annual
economic
income
and
based
on
that,
it
is
determined
how
much
help
you
can
receive
each
month
to
lower
the
cost
of
your
health,
medical
insurance.
So
for
certain
people
it
is
easy
to
determine
that,
for
others,
there
are
no
people
who
work
independently
and
do
not
know
what
their
economic
income
will
be
each
month.
So
there
are
different
ways
to
take
that
help.
B
D
D
B
D
E
D
And
good
And
for
those
people
who
are
not
within
those
ranges,
They
still
have
the
option
of
buying
these
insurances,
but
without
receiving
the
help
to
lower
the
monthly
cost
of
the
health
plan,.
But
just
as
these
plans,
as
they
are
plans,
as
I
tell
you
that
they
have
just
been
created,,
have
a
much
lower
cost.
E
A
D
D
D
If
these,
if
they
want,
because
a
lot
of
these
appointments
are
virtual,
but
we
are
also
giving
the
option
of
c
So
if
you
can
contact
the
committee,.
Unfortunately
I
don't
have
the
number
here,.
But
if
you
call
the
Longmont
committee
and
ask
for
an
appointment
for
the
omni
health
issue
or
any
other
question
related
to
medical
coverage
Well,,
they
can
do
it
with
them
and
well,
and
they
gave
them
much
more
information
about
the
appointment
that
has
been
available
for
the
days
that
we
will
be
there.
Giving
attention.
D
D
But
we
try
to
focus
a
lot
on
the
basic
and
important
things
that
someone
is
going
to
need
to
at
least
start
using
their
insurance
truth
of
being
Find
out
what
to
do
when
you
have
to
pay
for
it,
In
order
not
to
lose
coverage,
and
then
obviously
we
always
have
the
option
of
following
up
with
a
client
in
a
matter
of
Education,
right?
Because.
That
is
the
most
important
part,
and
now
it
is
more
like
containing
the
program
now
available.
D
Omni
health
is
like
we
are
returning
to
the
first
year
of
loba
macare,
where
all
this
population
that
has
been
on
the
margins
of
all
those
things
that
have
been
available
in
terms
of
health
and
that
now
they
have
them,,
then
they
are
people
who
actually,
well,
there
are
We
have
to
start.
Educating
about
this
topic.
So,
we
are
putting
a
lot
of
emphasis
on
that.
Now,,
the
truth
is,.
We
want
the
news
to
reach
everyone.
Thanks
for
the
invitation,,
because
I
think
it
is
important
that
people
find
out
more
and
spread
the
word.
D
about
this,
that
they
contact
us
and
yes,
because
a
healthy
community
is
a
stronger
community
right
and
Well
the
truth,
as
I
said
and
At
first,
we
are
very,
very
excited
about
this
and
and
well
And.
This
is
just
beginning,
then,
and
as
I
told
you
at
the
beginning,
also
no.
In
other
words,.
The
goal
is
to
bring
this
to
perfection,
right
that
Although.
It
seems
like
a
utopia,
but
it
is
a
big
step,
the
truth,
and
we
hope
that
people
find
out-
and
please
call
us-
and
we
are
here
to
serve
you.
F
F
G
B
E
B
B
A
Body
and
our
health,
and
this
as
always,
we
will
have
all
those
links
and
numbers
that
you
can
go
to
in
the
podcast
notes.
As
always,
and
we
want
to
thank
you
Sebastián
for
joining
us
today,.
We
know
that
this
is
a
very
busy
season
for
him,.
So
we
thank
him
for
making
us
a
little
field
in
his
day
to
come
and
practice
with
all
of
us
on
this
very
important
topic.
That's
right.
B
And,
if
you
liked
this
program,,
if
you
You
liked
this
episode
If,
you
like
this,
show
And.
If
you
liked
this
episode,
please
let
us
know
on
our
Facebook
account
on
our
YouTube
account
and
if
you
have
any
ideas
you
would
like
us
to
What
kind
of.
If
you
have
suggestions
of
a
particular
person
or
a
topic
that
you
would
like
us
to
talk
about
in
this
podcast,
you
can
also
tell
us.