The Health Insurance Buy-in (HIBI) program is a premium assistance program for Health First Colorado, Colorado’s Medicaid program, clients who have access to commercial health insurance. Commercial health insurance includes self-funded insurance, employer-sponsored insurance, or COBRA.
For additional information about the HIBI program, please call 1-855-692-6442 or visit the HIBI website.
There are three ways to apply for HIBI benefits.
Toll-free fax: (855) 226-4424
Fax coversheet
Mailing Address:
Colorado HIBI Program
1550 Larimer St Box #1000
Denver, CO 80202
This is not a physical address – please do not deliver applications in person
To process your application, you will need to send in the following information before you can officially be determined HIBI eligible and receive payments:
Your employer must provide you group health coverage if you are eligible for HIBI, regardless of whether or not their open enrollment period has passed. Contact us for assistance.
The Colorado HIBI program is for qualified Health First Colorado, Colorado’s Medicaid Program, members who have access to commercial health insurance. Commercial health insurance includes self-funded insurance, employer-sponsored insurance, or COBRA.
Visit the Health First Colorado website to learn about qualifying for Health First Colorado.
More about qualifying:
Continuing your eligibility:
The Colorado HIBI program will verify that your insurance is active on a regular basis. You will also be asked to provide proof of your insurance premium payments quarterly.
HIBI participants receive:
1. Payments for the monthly cost of all or a portion of your commercial health insurance premium.
Checks are made out or deposited via ACH to the commercial health insurance clients or designated payee on file.
2. Reimbursements for deductibles, coinsurance, and co-pays.
When the HIBI member receives health care services from a non-participating Health First Colorado provider, HIBI may cover the cost of copays, coinsurance, and deductibles when documentation demonstrates your insurance company has processed the claim as a paid claim; it is a Health First Colorado covered service; and is cost-effective for HIBI to do so.
3. Continued Health First Colorado benefits.
HIBI participation does not affect your eligibility for Health First Colorado.
If you are found eligible for HIBI, your added health insurance coverage offers:
The portion of the premium covering plan members who are not Health First Colorado-eligible may be paid by the HIBI program, if paying the full premium amount is necessary to obtain coverage for the Health First Colorado-eligible client(s). The program will not cover the deductibles, coinsurance and copays of a non-Health First Colorado policyholder. Learn more.
| To receive more information, request an application via mail, or manage your Colorado HIBI account, contact us Monday through Friday between 8:00a.m. and 5:00p.m.
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