Are you someone who is saving money or spending more or just confused about all of it and desperately need help?
Healthcare Reform is finally here and you may be a huge fan or someone who is frustrated about spending more money for lesser coverage. One thing is for sure though. we all shop differently than we did before. The steps are far more complicated, confusing and time consuming than they ever were in the past. If you're tech savy and have lots of extra time on your hands, you can probably go it alone, but if not, why not ask someone for help, more specifically a highly trained Broker that has only you and your families best interest in mind and works for you for free.
If you qualify for an APTC Advanced Premium Tax Credit, more commonly known as a subsidy, then you'll no doubt need help navigating Connectforhealthco.com and help with the state Medicaid dept. If you do not qualify for a subsidy, you can go directly to the carrier and apply. We are trained to help you with both. More importantly we spend countless hours training with all the carriers to know their plan details, their ever changing doctor networks and new rates so we can help you find the one that works best for your specific needs.
Finally, we now have Open Enrollment periods in which everyone can apply and/or change plans on an annual basis. We also know there are penalties if you chose to go without insurance which are increasing annually, so more than ever it makes sense to not go without. If you miss the Open Enrollment deadlines, you will have to have a QLE, Qualifying Life Event to get coverage. QLE's include marriage, divorce, birth of a child and involuntary loss of other coverage. It's important that if a QLE happens you get coverage started asap, we recommend within 30 days.
We have several agents that represent the Christian Health Ministries plan and US Health and other none ACA Health plans so if you're someone who is healthy, doesn't get an APTC or just doesn't like "Obamacare" we can still take care of your Health Insurance needs!
Don't forget, we can help you with Dental, Vision, Disability and Life Insurance as well as Accident and Cancer\Critical Illness plans. We represent Aflac, Colonial, Allstate and many other carriers that have amazing plans to help reduce the high out of pocket costs of today's Health Insurance coverage
Thank you again for visiting Colorado Insurance Store!
Kaiser Link (to Quote and Apply Online)
Anthem Link (to Quote and Apply Online)
Have you ever had an Accident and only then find out how your Health Insurance plan really works with the big deductible and Out of Pocket max you now have to pay? Our amazing state of Colorado is filled with all kinds of adventure and with that all kinds of potential injuries. We love it but not the big bills when there's a visit to the ER or Urgent care. If you're like me, you put off going to the doctor after an accident because you don't want to have a big unexpected bill. Well, we have a low-cost solution for you, Supplemental Accident Insurance.
These plans are in high demand and we have lots of carriers to choose from. Of course, like anything else, there are a select few that we prefer. VSP offers a great vision plan for both groups and Individuals. To the right you will see links to the dental and vision plans we recommend.
Delta Dental is one of the largest carriers in Colorado offering 3 Dental plans for you to choose from. We recommend their PPO plan, but always check to make sure your dentist is in that network before you sign up. Typically speaking, dental insurance will run $35-$45 per person/month and give you 2 no cost cleanings per year, pay 80% towards cleanings and 50% towards major services after a 12 month waiting period (if you do not have prior coverage) and give each person $1000 a year towards claims.
Applications to the Vision and Dental plans are very simple, just click the logo for VSP or Delta Dental and away you go. Thank you again for visiting Colorado Insurance Store and we look forward to having you as a client for life!