Creating Colorado’s Standardized Plan: Meeting #2 feedback
Thank you for participating in the Colorado Division of Insurance's stakeholder meetings regarding the design of the standardized plan.  Following the meeting on Thursday 8/12, the Division is interested in any additional feedback you may have regarding the design of the standardized plan.  Below, the Division poses several questions based on the discussion during the meeting.  Thank you for taking the time to provide your perspective.
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Colorado's Standardized plan will cover the 10 essential health benefits (EHBs) as required by the Affordable Care Act.  These benefits are further defined by Colorado's proposed benchmark plan which is  currently under review by the federal government.  Please rank the 10 EHBs listed below based on what you think the standardized plan should incentivize through lower cost sharing (i.e. low or no copays or coinsurance)? Only one EHB per column is allowed.
1st choice to incentivize through lower cost sharing
2nd choice
3rd choice
4th choice
5th choice
6th choice
7th choice
8th choice
9th choice
10th choice to incentivize through lower cost sharing
Ambulatory patient services
Emergency services
Hospitalizations
Maternity and newborn care
Mental health and substance use disorder services including behavioral health treatment
Prescription Drugs
Rehabilitative and habilitative services and devices
Laboratory services
Preventive and well ness services and chronic disease management
Pediatric services, including oral and vision care
Clear selection
Please explain why the EHB's you chose above should be incentivized.
Plan design often requires trade offs.  For plans that cover the same percentage of services (i.e. have similar actuarial values), plans with higher premiums will have lower out-of-pocket cost sharing and plans with lower premiums will have higher out-of-pocket cost sharing.  Which is more important to you?
Clear selection
Please explain your answer above.
HB21-1232 requires the standardized plan to cover some high value services with no additional cost sharing (i.e. pre-deductible).  If cost sharing is reduced for some services, it often must be raised on other services in order to maintain the same coverage level (i.e. actuarial value).  What services do you consider "high value"? What services should the standardized plan incentivize through lower cost sharing (i.e. low or no copays or coinsurance)? Why?
Please rank these services based on what you think  the standardized plan should prioritize for predeductible coverage (i.e. first dollar coverage with no copay or coinsurance)?
1st choice
2nd choice
3rd choice
4th choice
5th choice
Behavioral Health
Other
Primary care visits (e.g. 2 visits per year)
Generic drugs
Prenatal and perinatal care
Clear selection
If you selected "Other" above, please briefly explain what other services should the standardized plan prioritize for predeductible  coverage.
Some services may be considered "low value" because the risk of harm or cost exceeds the likely benefit for patients.  Should some services be disincentivized? Which ones? Please explain.
To help DOI understand who we've reached with our stakeholder process and where else we need to focus our outreach efforts please briefly state who you represent and/or your background. E.g. Pediatrician or health insurance broker or community member from X town.
If you feel comfortable sharing this information can you please select if you are a member of the any of the following communities as specified by House Bill 21-1232. Please select all that apply.
What additional comments do you have? What else should the Division of Insurance consider?  Please use the space below to provide us with any other comments about the standardized plan or the stakeholder process thus far.
Thank you for your time and your feedback!
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