We also strive to help individuals and families in Colorado reduce their
medical expenses in many different ways. See our Additional
Benefits page for information on how to get prescription drugs and lab
testing at wholesale costs, learn about a service that will renegotiate your
hospital bill after your PPO discount, ways to reduce your taxes by paying for
your health insurance through an HRA, and much more.
How
to Sign up for Coverage
Please
visit our Consumer’s Guide page
to learn how to choose the right plan and how to apply for health insurance
coverage. Please don't hesitate to contact
us if you have a quick question.
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"Probably
the biggest thing that sets apart ColoHealth from similar brokers is your attention
to the customer and continued contact to assure that the customer is getting what
he or she needs on a timely basis."
We
chose to do business with ColoHealth
because they represented the medical insurance coverage available in Colorado
for small businesses such as ours with one to 50 employees. The
service was quite good as ColoHealth
continued to follow up with us during the application process and kept us informed
on its progress. When a couple of unusual circumstances arose regarding
the application Diane helped guide us on how to deal with the issues. Probably
the biggest thing that sets apart ColoHealth
from similar brokers is your attention to the customer and continued contact
to assure that the customer is getting what he or she needs on a timely basis. We
would certainly recommend ColoHealth
to others. Rick
Snow
HP Creations
Livermore,
CO Read
More...
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Anthem Blue Cross Blue Shield
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The Anthem
Blue Preferred plan includes doctor visits, prescription drugs, vision, an accident
benefit, and of course, surgery and hospitalization. The coverage and
rates are excellent, they have what is probably the widest PPO network in the
state of Colorado, and their reputation is outstanding. This is our
most popular policy, and for most people offers the best value on the market
for a full-coverage plan.
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The
Anthem HSA plan is eligible to pair with a Health
Savings Account, and is the most popular HSA plan we offer. This
plan pays 100% (or 80% of the first $20,000 and then 100%) up to $2,000,000
in eligible expenses. Tonik
is a value-priced plan that includes copay coverage for doctor visits and generic
drugs, and includes dental coverage. This plan is geared toward the young
and healthy. Anthem
has an "A" (Excellent) rating from
the A.M.
Best Company, an independent insurance rating organization.
More
complete details can be seen by going to the Anthem
BluePreferred page, the Anthem HSA
page, or the Tonik page.
Time
Insurance Company
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Time Insurance
Company, formerly known as Fortis, has an "A" Excellent
rating from the A.M.
Best Company, an independent insurance rating organization. Our
most popular Time Insurance plan is the Time SaveRight HSA, a high-deductible
plan which can be paired with a Health Savings Account,
which can dramatically lower your health insurance premium as well as your income
taxes.
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The
other Time plan that is very popular is the Time
RightStart plan. This plan offers coverage with copayments for
things like doctor visits and prescription drug coverage, but has stricter limitations
on lifetime limits and other benefits. The result is a plan with much
lower premiums than is typical. Assurant
Health markets products underwritten by Time Insurance Company. More complete
details can be seen by going to the Time Insurance
Company page.
Celtic
Health Insurance
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Celtic
is rated "A-" (Excellent) by the A.M.
Best Company, an independent insurance rating organization. This
rating, released in 2005, is based on financial and operating performance.
Celtic offers some of the most competitive rates on Health Savings Account plans.
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The
most popular Celtic plan is the Celtic Basic, which is often a good low-cost
option. More complete details can be seen by going to the Celtic
Health Insurance
page.
UnitedHealthcare
/ Golden Rule
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Golden
Rule is a 60-year old company with strong ratings ("A" Excellent
by the A.M.
Best Company, and "A+" Strong by Standard &
Poor's), indications of their financial strength and stability.
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Our
most popular Golden Rule plans are the Saver Plans, which are all designed
for individuals and families willing to take additional responsibility for routine
health care expenses. These plans have high deductibles, and often offer
the lowest premiums available, but do not cover most outpatient expenses.
The Golden Rule HSA Plan is eligible
to pair with a Health Savings Account, and the
Golden Rule Saver 80 is a low-priced catastrophic
plan. More
complete details can be seen by going to the UnitedHealthcare
/ Golden Rule page.
Humana
Health Insurance
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Humana
Health Insurance plans offer excellent benefits and very competitive rates.
The Humana One plan offers a very good value for a full service plan,
especially for those who are willing to accept a limited number of doctor office
visits and a deductible for their prescriptions.
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The
Humana HSA plan works in conjunction with a Health
Savings Account. It is a lower-priced HSA-compatible plan that
includes coverage for doctor visits and prescription drugs, which is something
many of the lower-priced HSA plans don’t do. These plans are an even
better value for families, because the spouse gets a 10% discount. Humana
has an "A-" (Excellent) rating by the A.M.
Best Company, an independent insurance rating organization. More
complete details can be seen by going to the Humana
Health Insurance page.
World
Insurance Company
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Our most
popular World plans are their Traditional plans. They are high-deductible
plans that qualify for Health Savings Accounts
and offer significant tax advantages. World Insurance Company has been
assigned an rating of "A-" (Excellent) by the A.M.
Best Company, an independent insurance rating organization.
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The
most popular World plans are the very high deductible catastrophic plans.
More complete details can be seen by going to the World
Insurance Company page.
Temporary
Health Insurance
| | Temporary
Health Insurance plans are offered by Assurant, a Time Insurance Company. Good
for up to six months at a time, temporary health insurance policies offer lower
rates than permanent policies. The advantage is the low premiums, the disadvantage
is that after 6 months the plan ends and you must reapply for coverage. |
More
complete details can be seen by going to the Temporary
Health Insurance page.
Student
Health Insurance
| | Student
Health Insurance plans are offered by Assurant, a Time Insurance Company. Available
only to undergraduate students taking 9 or more hours, or full-time graduate students,
student health insurance policies offer very low rates and outstanding value. |
More complete
details can be seen by going to the Student Health
Insurance page.
Maternity
Health Insurance
A
maternity coverage rider will pay expenses related to a routine childbirth.
Complications of pregnancy will normally be covered like any other illness,
regardless of whether or not you have maternity coverage. More
complete details can be seen by going to the Maternity
Health Insurance page.
Long
Term Care Insurance
Our
Long-Term Care Quote system will find the best long-term care policy and premiums
for you or your loved ones. More
complete details and instant quotes can be seen by going to the Long
Term Care Insurance page.
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