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You are on this
page because you are...
Changing
from a Cobra Plan
If you were
formerly covered under a group plan, you may have been offered a
COBRA policy, allowing you to continue your coverage. A COBRA
plan will cover you only for a limited amount of time (usually 18
months), at a price just slightly higher than your employer was
paying for your group coverage.
Switching to
an individual plan from a COBRA plan will probably save you 40 -
70%. Because a COBRA plan is a temporary plan, you should
apply for permanent coverage as soon as possible. If a
health condition arises while you are on COBRA, you could be left
without coverage and uninsurable forever once your COBRA plan expires.
Once you have a permanent individual health insurance plan you can
never be cancelled, regardless of what health problems arise.
You have found
the best place in Colorado to get an individual or family health
insurance plan. No one has more plans to choose from or lower
rates than we do, and we make the entire process easy and
hassle free. Here are the basics you need to know:
- Individual
health insurance is "underwritten". This means
that when you apply for a plan, you must answer some health questions,
and the insurance company may also look at your medical records
before they issue you a policy. They have the option of
declining your application, or issuing the policy with a "rate-up"
(in which your premiums are raised), or an "exclusion"
(in which a certain condition is not covered).
This is not the case with COBRA plans, which are required to accept
anyone.
- Individual
health insurance plans are much less expensive than COBRA
plans. Because insurance companies are allowed to underwrite
individual applications, the premiums are usually only 40 - 50%
of group plans and COBRA plans.
- Instant
quotes are available for a large number of plans. To
learn about your different options and how to choose the best
plan for your needs, order a copy of our report, Colorado
Health Insurance Made Easy: How To Choose The Best Plan
And Get Covered Quickly and Easily.
- Most
people can choose a plan and apply for coverage in about 20 minutes
or so. You may apply online, or fax or mail us your
application. After you send in your application we will
keep you informed on what's happening with the approval process,
and let you know as soon as you've been approved.
- You have
personal access to Fred Adams, Paula
Santamaria, or Chelsea Miller
if you ever need any assistance. As an independent agency
and one of the leading health insurance brokers in Colorado, we
are on your side every step of the way - from the time you submit
your application, until its approved, and for as long as you carry
your coverage after that. If you have questions you can
contact us online, call us during
our open call in time from 10 - 11 am any day, or request a telephone
appointment.
Get
an Instant Quote now!
"You have made the not so pleasant experience of dealing
with insurance very painless!"
I
greatly appreciate your assistance and professional service.
You have made the not so pleasant experience of dealing
with insurance very painless!
The
service has been very punctual and professional. When
I emailed or called with a question I get a polite prompt
response. I have already recommended you to others.
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Jody
Resser
Architect
Denver, CO |
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