Message from Wiley Long
President - ColoHealth

Words From Our Clients:

I have been very satisfied with my customer service from ColoHealthTim Holt was very pleasant and helpful over the phone and gave me personal and individualized advice."

Caroline Layde Robbins 
Denver, CO 

"Leslie Jablonksi's expertise, patience, and communication were of great help."

Connie Pinkerton 
Grand Junction, CO

Share this page:

Anthem Blue Cross Blue Shield of Colorado Plans




As an authorized agent for Anthem Blue Cross Blue Shield, ColoHealth is proud to offer the lowest rates available for Anthem plans. Our site has complete information and instant quotes, and we are available to answer any questions you have.

Anthem offers 6 different plans, including an HSA Qualified Plan which can be paired with a health savings account. HSA Plans are our most popular plans because of the lower premiums and tax-saving opportunity they provide.


Rate Information PPO Network Underwriting Effective Dates About Anthem BCBS


Plans at a Glance

Anthem as 6 different plans available in the state of Colorado. This is a general overview of plan features. The policy contains the actual terms and conditions. Waiting periods, limitations and exclusions apply.

SmartSense Plus: This plan gives you a choice of prescription drug benefits and immediate benefits for your first three doctor visits for just a $30 co-payment. After that you pay only 30% coinsurance on all professional services, inpatient and outpatient costs, emergency room services, and therapy costs.

CoreShare Plus: This is one of Anthem's most versatile products. With a wide variety of deductible and coverage options, it is highly customizable to fit your needs. Deductibles range from $750 to 25,000 and coverage includes a Drug Formulary for extra discounts on select prescription medications.

TONIK 5000: The TONIK plan is very straight-forward. It is designed for our younger clients, those under the age of 30. There is a deductible of $5000, which is also your out-of-pocket maximum for a year, after which the plan covers you at 100% for all covered procedures. There is also coverage for prescription drugs and dental care.

Lumenos HSA: The Lumenos plan is a 100% coverage plan that is designed to be compatible with a Health Savings Account. This means that once your deductible is met the plan will pay all covered expenses at no cost to you. This includes doctors office visits, hospital services, chiropractic care, as well as prescription drugs.

Anthem Premier: This plan offers a wide variety of deductible options and allows you an unlimited number of doctors office visits utilizing a co-pay. Doctor visits have a $30 co-pay and prescription drugs are covered with a co-pay after a small deductible.

Clear Protection: This plan is designed to get the lowest premiums possible by providing a small amount of first dollar coverage combined with a broad range of benefits you can depend on once you meet your out-of-pocket maximum. 

Rate Information: 

Current rates are available on our instant quote page. The premium can be paid monthly, quarterly, semi-annual, or annual billing, or a monthly bank draft. The bank draft will occur on either the first or the sixteenth of each month. The initial premium can be paid with a check, credit card, or bank draft.


PPO Network:

Anthem gives you access to one of the largest networks in Colorado, with nearly 8,500 health care providers and over 60 hospitals throughout the state. Having access to the PPO network can mean substantial discounts in what you pay for your health care, even before you meet your deductible. The large list of doctors and hospitals can be viewed at the Anthem PPO Online Provider Directory. Search the National BlueCard Directory to find the providers that are in the Blue Cross network anywhere in the country.



Anthem has one of the easiest, most efficient underwriting teams in the industry. The process is very fast if no medical records are needed. While it is always a good idea to apply at least three weeks prior to the time you need your new coverage to take effect, most applications that are done online are approved by Anthem within 24 hours. If medical records must be ordered, the application process will take longer.

The company does have the right to accept or decline any individual or family application. If you are currently being treated for depression, anxiety, or high cholesterol, please let us know before you apply so we can avoid unnecessary delays in getting you covered. If you are being treated for high blood pressure, please include your latest test results including blood pressure levels and cholesterol readings. If you have certain conditions or take certain medications, Anthem may offer coverage at a higher rate.

For an infant less than 6 months of age, Anthem requires nursery records from the hospital where the infant was born, office records from the infant’s pediatrician, and results of the newborn screening laboratory tests (available from the hospital or pediatrician).

Anyone applying for Anthem coverage that has any of the following pre-existing conditions also needs to complete the appropriate form and return it to our office via fax (toll-free 866-284-0082) as promptly as possible.


Effective dates:

The coverage can go into effect in as quickly as 24 hours, though you do risk being declined if claims are submitted before the underwriting process is completed. You may request an effective date any time the date after you sign the application and 60 days later. Please note that you will be billed starting on your requested effective date, even if you have not yet been notified that you have been approved. This is very good for someone who does not have any present coverage and would like for their benefits to begin right away. For those who are already covered, it is suggested that you maintain your current coverage in force until you have received notice from either ColoHealth or directly from Anthem that your coverage has been approved and is in force.

Your earliest possible effective date will be the day after Anthem has received all the necessary documents and information needed to process your application. 


About Anthem Blue Cross Blue Shield:

The company known today as Anthem is the outgrowth of two Indianapolis-based corporations formed in 1944 and 1946 as mutual insurance companies. Those two companies were created to provide health insurance to residents of Indiana as Blue Cross of Indiana and Blue Shield of Indiana.

As the health care industry began rapidly consolidating In the mid-1980s, Blue Cross and Blue Shield of Indiana began to diversify and expand, primarily through Blue Cross and Blue Shield mergers and acquisitions. Now going by the name Anthem Blue Cross and Blue Shield, they underwrite some of the most popular plans we offer at ColoHealth.

The Anthem Blue Cross and Blue Shield companies are independent licensees of the Blue Cross and Blue Shield Association and currently serves more than 12.6 million customers in nine different states.

Anthem Blue Cross Blue Shield has been assigned a rating of "A" (Excellent) from the A.M. Best Company, an independent insurance rating organization.

ColoHealth is an independent authorized Anthem Blue Cross Blue Shield agent in Colorado.