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You are on this
page because you are...
Changing
from a Group Plan
Maybe you've
been working for a company that offered group coverage, and now
you're out on your own as a business owner or independent contractor.
Or perhaps you are losing group coverage due to a divorce or because
your employer is no longer offering coverage.
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. You can think of us as your Personal Benefits
Consultants. 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 group plans, which are required to accept
anyone.
- Individual
health insurance plans are much less expensive than group plans.
Because insurance companies are allowed to underwrite individual
applications, the premiums are usually only 40 - 50% that of group
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!
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"I can't believe what great customer care you have!"
I
can't believe what great customer care you have! I've
had a problem trying to find insurance for my daughter outside
of work at a reasonable price. I'm so happy to have
found you! Your price is good and you are so responsive.
Thanks
so much for all of your help. A lot of people I work
with are trying to find an individual plan away from work
due to the (increased) cost, just like I was. I have
been spreading the word about you guys.
Thanks
again for everything!
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Robin
Bachicha
Pueblo, CO |
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