We know it's important to have a health plan that fits your Colorado lifestyle. We also care about the factors you look for when choosing a plan for you or your family, like access to providers you know and trust, quality care, and the option for supplemental benefits. Our Individual & Family plans were created with those requirements in mind.
Defining the Metal Levels for Our Plans
Our Individual & Family plans are each assigned a metal level to comply with the Affordable Care Act: Gold, Silver, and Bronze.
- Gold plans cover approximately 80% of care that you receive.
- Your copayments and deductibles will be lower
- Your monthly premiums will be higher
- Silver plans cover approximately 70% of the cost of the care you receive.
- Deductibles are typically higher than Gold plans with varying premium levels.
- These are the lowest priced plans and generally cover 60% of the cost of care you receive.
- You will see higher copayments and deductibles on these plans.
Prescription Drug Coverage
RMHP is pleased to cover a wide variety of medications for our Members. Most of RMHP’s drug plans have a multi-tiered benefit, meaning you will pay different copay amounts depending on the prescription drug. For example, the copay is lower for a Tier 1 drug than for a Tier 2 drug. Sometimes a drug will be removed from the drug list or change status, such as a Tier 3 drug could change to a Tier 2 drug. You and your doctor will be told if a drug you are now taking changes status on the drug list. The next time you fill your prescription, you will pay the copay that applies to the drug’s new status. Learn if your prescription drugs are covered by viewing our formulary.
Extras for Our Members
With RMHP, you don't just get health insurance — you get more than a health plan. We care about our Members living their healthy best. Our extra benefits, online tools, and healthcare resources can help you meet your overall health needs.
Our secure Member portal, MyRMHP, gives you the ability to access personalized benefit information, view claims and authorization status, opt in to receive electronic communications, request ID cards, find valuable health resources, and so much more.
Doctor On Demand®
With Doctor On Demand, Members can connect face-to-face with Board Certified doctors and therapists from a phone, tablet, or computer — at no cost on select plans. Get care when and where you need it with 24/7 video chat access.
(Please note: by selecting this link, you will be leaving rmhp.org)
Whether you’re looking for tips to eat better, get more active, or build healthy habits, Rally® can help! This website and mobile app allows Members to choose from custom-picked missions based on the results of your health survey. Then, get rewarded for tracking the activities designed to help you achieve a healthier lifestyle. Members can access Rally through MyRMHP.
Whether you’re ready to kick-start your routine or just looking to step it up, you have access to the Active&Fit Direct™ program. RMHP Members can choose from 9,000+ participating fitness centers nationwide for $25 a month (plus a $25 enrollment fee and applicable taxes) — with the option to switch fitness centers to make sure you find the right fit. Additionally, get online fitness tracking from a wide variety of popular wearable fitness devices, apps, and exercise equipment. Members can enroll through MyRMHP.
Online Premium Payment
With this feature, you can make online monthly premium payments conveniently and securely.
Learn More About RMHP Plans
We work to improve the health of our Members by promoting wellness, preventing illness, and successfully managing chronic diseases. We offer benefits like well-child services, routine physicals and screening, and immunizations as part of your plan. We also encourage our Members to establish a medical home by selecting a primary care provider to coordinate your care. If you need help, our Customer Service team is here. You can read more about these benefits, as well as referral, prior authorization, exclusions, and coverage rules, by downloading our Individual Plans Overview.
Enroll with RMHP
The Open Enrollment Period for 2020 Individual & Family Plans is November 1, 2019 - January 15, 2020. Our plans are available directly through RMHP by contacting our dedicated Individual Sales team, or by getting in touch with your local broker. Plans are also available through Connect for Health Colorado, the state’s health insurance marketplace. You may be eligible for Federal financial assistance if you enroll through Connect for Health Colorado.
Let's Find You Great Health Insurance
- For Employer Group Plans
Healthy employees build healthy businesses, and your employees receive the health protection they expect and deserve when you partner with RMHP. Whether you’re a small business or large employer, we have a group health insurance plan that will fit your employees’ needs.
- For Individual and Family Plans
Our plans offer the coverage, network, and health management resources you and your family need for your Colorado lifestyle. Get the personalized attention and quality care you deserve from your local health insurance option that has been serving our communities for over 40 years.