HEALTH INSURANCE

What insurance carrier should I use? Which policy is the best fit for me and my family? How do I enroll? How do I make payments? I want to keep my current doctor, how do I ensure my new policy will keep her in network? I have a lot of prescriptions, which policy is best for me?....

There are so many questions when you're trying to determine which insurance coverage is best for you and your family. We are here to help! We know that every situation is unique and that is why we take the time to fully understand each component of your medical needs and advise you on the best options for meeting those needs. Many things factor into this decision such as age, household size, doctors, prescriptions, and whether you qualify for a subsidy. As certified brokers with Connect for Health (Colorado's State Marketplace) and the Federal Marketplace, we help you shop carriers and plans to determine the best plan for you. 

How does it work? It's easy!

Schedule a call with us.

Click the button below to go to our Contact Us page where you can schedule a call with the broker of your choice.

Schedule

Get all your questions answered and select a policy.

During your scheduled call we will discuss all your options, ensure all your questions are answered, and select a policy. We will submit your application to the insurance carrier and send you confirmation details regarding your policy.

I'm enrolled, now what?

Once you are enrolled, we'll send you a confirmation email and direct you to the dedicated carrier pages on our website. There you will find everything you need, including next steps for billing and setting up autopay, downloading your summary of benefits, instructions and links for locating a provider, and more. We will continue to support you and answer any questions you may have.

Carriers
ACA plans are best for covering any pre-existing conditions. Individuals and families can potentially qualify for a monthly subsidy depending on income and family size. A Special Enrollment Period is required in order to enroll outside of Open Enrollment. Open Enrollment is November 1 – January 15.

Frequently Asked Questions

  • When is open enrollment?

    Open Enrollment is November 1st  through January 15th. During this time anyone can enroll in a health plan. If you enroll in a plan between November 1st and December 15th, your coverage will start on January 1st. If you enroll in a plan between December 16th and January 15th, your coverage will begin February 1st. Individuals and families will need to have a Special Enrollment Period, such as marriage, a recent move to the state, or birth of a child, to enroll outside of the Open Enrollment dates.

  • Is there a cost for using an insurance broker?

    There is no charge for utilizing a broker.

  • Does health insurance cover pre-existing conditions?

    Yes, certain plans cover pre-existing conditions. A broker can help you determine the best plan for you.

  • Will my medical plan cover dental and vision?

    No, dental and vision require separate policies. However, most plans cover pediatric dental and vision.

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