Rocky Mountain Health Plans

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Plans:	SOLO Health Plans

Rocky Mountain

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ColoHealth is an independent authorized Rocky Mountain Health Plans agent in Colorado. As an authorized agent for Rocky Mountain Health Plans, ColoHealth is proud to offer the lowest rates available for SOLO Health Plans.
Our site has complete information and instant quotes and we are also available to answer any questions you may have.
Rocky Mountain Health Plans offer a selection of coverage options, including HSA-qualified plans that allow an individual to contribute to a tax deferred savings account. HSA Plans are our most popular plans because they offer low premiums and tax advantages, such as tax-free earnings and tax deductions to lower taxable income.

Rate Information

PPO Network

Underwriting

Effective Dates

About Rocky Mountain

Plans at a Glance

Rocky Mountain Health Plans have 9 different plans available in Colorado, 3 of which are qualified to be combined with a Health Savings Account (HSA). The following is a general overview of plan features. The policy contains the actual terms and conditions. Waiting periods, limitations and exclusions apply.
Prescription drugs are covered only through participating retail and mail-order pharmacies. Access to participating pharmacies is available nationwide.

SOLO Outlook 500

This plan has a $500 deductible on individual coverage or a $1,000 deductible on family coverage for in-network services. The deductible is $1,000 on individual coverage or $2,000 on family coverage for providers outside the network.
Doctor office visits have a $35 copay to see in-network physicians. After the deductible is met, there is also 50-percent co-insurance for out-of-network doctor office visits. After the deductible, 80 percent of inpatient hospital care with in-network providers is covered and 50 percent of inpatient hospital care with out-of-network providers is covered.
Not including the deductible, your out-of-pocket annual maximum for in-network services is $3,000 on individual coverage and $6,000 for family coverage. For out-of-network services, your out-of-pocket annual maximum is $6,000 on individual coverage and $12,000 on family coverage, not including the deductible.
This plan allows you to add an accident rider, which covers up to $1,000 in full for each accident, after which the co-insurance, copays and deductible apply.

SOLO Outlook 1500

This plan has a $1,500 deductible on individual coverage or a $3,000 deductible on family coverage for in-network services. The deductible is $3,000 on individual coverage or $6,000 on family coverage for providers outside the network.
Doctor office visits have a $35 copay to see in-network physicians. After the deductible is met, there is also 50-percent co-insurance for out-of-network doctor office visits. After the deductible, 80 percent of inpatient hospital care with in-network providers is covered and 50 percent of inpatient hospital care with out-of-network providers is covered.
Not including the deductible, your out-of-pocket annual maximum for in-network services is $3,000 on individual coverage and $6,000 for family coverage. For out-of-network services, your out-of-pocket annual maximum is $6,000 on individual coverage and $12,000 on family coverage, not including the deductible.
This plan allows you to add an accident rider, which covers up to $1,000 in full for each accident, after which the co-insurance, copays and deductible apply.

SOLO Outlook 2500

This plan has a $2,500 deductible on individual coverage or a $5,000 deductible on family coverage for in-network services. The deductible is $5,000 on individual coverage or $10,000 on family coverage for providers outside the network.
Doctor office visits have a $35 copay to see in-network physicians. After the deductible is met, there is also 50-percent co-insurance for out-of-network doctor office visits. After the deductible, 70 percent of inpatient hospital care with in-network providers is covered and 50 percent of inpatient hospital care with out-of-network providers is covered.

Not including the deductible, your out-of-pocket annual maximum for in-network services is $3,000 on individual coverage and $6,000 for family coverage. For out-of-network services, your out-of-pocket annual maximum is $6,000 on individual coverage and $12,000 on family coverage, not including the deductible.
This plan allows you to add an accident rider, which covers up to $1,000 in full for each accident, after which the co-insurance, copays and deductible apply.

SOLO Outlook 4000

This plan has a $4,000 deductible on individual coverage or an $8,000 deductible on family coverage for in-network services. The deductible is $8,000 on individual coverage or $16,000 on family coverage for providers outside the network.
Doctor office visits have a $45 copay to see in-network physicians. After the deductible is met, there is also 50-percent co-insurance for out-of-network doctor office visits. After the deductible, 70 percent of inpatient hospital care with in-network providers is covered and 50 percent of inpatient hospital care with out-of-network providers is covered.
Not including the deductible, your out-of-pocket annual maximum for in-network services is $3,000 on individual coverage and $6,000 for family coverage. For out-of-network services, your out-of-pocket annual maximum is $6,000 on individual coverage and $12,000 on family coverage, not including the deductible.
This plan allows you to add an accident rider, which covers up to $1,000 in full for each accident, after which the co-insurance, copays and deductible apply.

SOLO Active 75

This plan has a $7,500 deductible on individual coverage or a $15,000 deductible on family coverage for both in-network services and for providers outside the network.
Doctor office visits have a $50 copay to see in-network physicians. After the deductible is met, there is also 50-percent co-insurance for out-of-network doctor office visits. After the deductible, 70 percent of inpatient hospital care with in-network providers is covered and 50 percent of inpatient hospital care with out-of-network providers is covered.
Not including the deductible, your out-of-pocket annual maximum for in-network services is $3,000 on individual coverage and $6,000 for family coverage. For out-of-network services, your out-of-pocket annual maximum is $6,000 on individual coverage and $12,000 on family coverage, not including the deductible.
This plan allows you to add one or two accident riders. One covers up to $2,000 in full for each accident and the second one covers from $2,001 up to $7,500 in full, after which the co-insurance, co-pays and deductible apply.

SOLO Active 10

This plan has a $10,000 deductible on individual coverage or a $20,000 deductible on family coverage for both in-network services and for providers outside the network.
Doctor office visits have a $50 copay to see in-network physicians. After the deductible is met, there is also 50-percent co-insurance for out-of-network doctor office visits. After the deductible, 70 percent of inpatient hospital care with in-network providers is covered and 50 percent of inpatient hospital care with out-of-network providers is covered.
Not including the deductible, your out-of-pocket annual maximum for in-network services is $4,000 on individual coverage and $8,000 for family coverage. For out-of-network services, your out-of-pocket annual maximum is $6,000 on individual coverage and $12,000 on family coverage, not including the deductible.
This plan allows you to add one or two accident riders. One covers up to $2,000 in full for each accident and the second one covers from $2,001 up to $10,000 in full, after which the co-insurance, co-pays and deductible apply.

SOLO Outlook HSA 2500/100

This plan has a $2,500 deductible on individual coverage or a $5,000 deductible on family coverage for in-network services. The deductible is $5,000 on individual coverage or $10,000 on family coverage for providers outside the network.
Doctor office visits are 100-percent covered after the deductible for in-network physicians, and out-of-network physicians are covered at 50-percent after the deductible. Inpatient hospital care with in-network providers is 100-percent covered after the deductible, and inpatient hospital care with out-of-network providers is covered at 50 percent after the deductible.
Including the deductible, your out-of-pocket annual maximum for in-network services is $2,500 on individual coverage and $5,000 for family coverage. For out-of-network services, your out-of-pocket annual maximum is $7,500 on individual coverage and $15,000 on family coverage, including the deductible.
This plan allows you to add an accident rider, which covers up to $1,000 in full for each accident, after which the co-insurance, copays and deductible apply.

SOLO Outlook HSA 3250/100

This plan has a $3,250 deductible on individual coverage or a $6,500 deductible on family coverage for in-network services. The deductible is $7,500 on individual coverage or $15,000 on family coverage for providers outside the network.
Doctor office visits are 100-percent covered after the deductible for in-network physicians, and out-of-network physicians are covered at 50-percent after the deductible. Inpatient hospital care with in-network providers is 100-percent covered after the deductible, and inpatient hospital care with out-of-network providers is covered at 50 percent after the deductible.
Including the deductible, your out-of-pocket annual maximum for in-network services is $3,250 on individual coverage and $6,500 for family coverage. For out-of-network services, your out-of-pocket annual maximum is $10,000 on individual coverage and $20,000 on family coverage, including the deductible.
This plan allows you to add an accident rider, which covers up to $1,000 in full for each accident, after which the co-insurance, copays and deductible apply.

SOLO Outlook HSA 5000/100

This plan has a $5,000 deductible on individual coverage or a $10,000 deductible on family coverage for in-network services. The deductible is $10,000 on individual coverage or $20,000 on family coverage for providers outside the network.
Doctor office visits are 100-percent covered after the deductible for in-network physicians, and out-of-network physicians are covered at 50-percent after the deductible. Inpatient hospital care with in-network providers is 100-percent covered after the deductible, and inpatient hospital care with out-of-network providers is covered at 50 percent after the deductible.
Including the deductible, your out-of-pocket annual maximum for in-network services is $5,000 on individual coverage and $10,000 for family coverage. For out-of-network services, your out-of-pocket annual maximum is $17,500 on individual coverage and $35,000 on family coverage, including the deductible.
This plan allows you to add an accident rider, which covers up to $1,000 in full for each accident, after which the co-insurance, copays and deductible apply.

Plan Comparison at a Glance

Plan Name	Deductible Individual / Family		Office Visits		Inpatient Hospital Stay (after deductible)		Out-of-pocket MaximumIndividual / Family (does not include deductible)		Optional Accident Rider
	In Network	Out of Network	In Network	Out of Network	In Network	Out of Network	In Network	Out of Network
SOLO Outlook 500 Plan Description Form Prescription Drug Options	$500/ $1,000	$1,000/ $2,000	$35	50% after deductible	20% after deductible	50% after deductible	$3,000/ $6,000	$6,000/ $12,000	Optional rider: $1 to $1,000 covered in full for each accident, then deductible, copays, and coinsurance apply.
SOLO Outlook 1500 Plan Description Form Prescription Drug Options	$1,500/$3,000	$3,000/$6,000	$35	50% after deductible	20% after deductible	50% after deductible	$3,000/$6,000	$6,000/$12,000	Optional rider: $1 to $1,000 covered in full for each accident, then deductible, copays, and coinsurance apply.
SOLO Outlook 2500 Plan Description Form Prescription Drug Options	$2,500/$5,000	$5,000/$10,000	$35	50% after deductible	30% after deductible	50% after deductible	$3,000/$6,000	$6,000/$12,000	Optional rider: $1 to $1,000 covered in full for each accident, then deductible, copays, and coinsurance apply.
SOLO Outlook 4000 Plan Description Form Prescription Drug Options	$4,000/$8,000	$8,000/$16,000	$45	50% after deductible	30% after deductible	50% after deductible	$3,000/$6,000	$6,000/$12,000	Optional rider: $1 to $1,000 covered in full for each accident, then deductible, copays, and coinsurance apply.
SOLO Outlook Active 75 Plan Description Form Prescription Drug Options	$7,500/$15,000	$7,500/$15,000	$50	50% after deductible	30% after deductible	50% after deductible	$3,000/$6,000	$6,000/$12,000	Included in plan: $1 to $2,000 covered in full for each accident, then deductible, copays, and coinsurance apply. Optional rider: $2,001 to $7,500 covered in full for each accident, then deductible, copays, and coinsurance apply.
SOLO Outlook Active 10 Plan Description Form Prescription Drug Options	$10,000/$20,000	$10,000/$20,000	$50	50% after deductible	30% after deductible	50% after deductible	$4,000/$8,000	$6,000/$12,000	Included in plan: $1 to $2,000 covered in full for each accident, then deductible, copays, and coinsurance apply. Optional rider: $2,001 to $10,000 covered in full for each accident, then deductible, copays, and coinsurance apply.

Plan Name	Deductible Individual / Family		Office Visits		Inpatient Hospital Stay (after deductible)		Out-of-pocket Maximum Individual / Family (does not include deductible)		Optional Accident Rider
	In Network	Out of Network	In Network	Out of Network	In Network	Out of Network	In Network	Out of Network
SOLO Outlook HSA 2500/100 Plan Description Form Prescription Drug Options	$2,500/$5,000	$5,000/$10,000	100% covered after deductible	50% after deductible	100% covered after deductible	50% after deductible	$2,500/$5,000	$7,500/$15,000	Optional rider: $1 to $1,000 covered in full for each accident then deductible, copays, and coinsurance apply.
SOLO Outlook HSA 3250/100 Plan Description Form Prescription Drug Options	$3,250/$6,500	$7,500/$15,000	100% covered after deductible	50% after deductible	100% covered after deductible	50% after deductible	$3,250/$6,500	$10,000/$20,000	Optional rider: $1 to $1,000 covered in full for each accident then deductible, copays, and coinsurance apply.
SOLO Outlook HSA 5000/100 Plan Description Form Prescription Drug Options	$5,000/$10,000	$10,000/$20,000	100% covered after deductible	50% after deductible	100% covered after deductible	50% after deductible	$5,000/$10,000	$17,500/$35,000	Optional rider: $1 to $1,000 covered in full for each accident then deductible, copays, and coinsurance apply.

Rate Information:
Current rates are available on our instant quote page. The initial premium can be paid with a Discover, MasterCard or Visa credit card, but American Express is not accepted. For subsequent months, you may continue automatic monthly charges to your credit card or set up automatic monthly withdrawals from your bank account. If you choose to be billed instead, payments will switch from monthly to quarterly.
PPO Network:
All of the above Solo Health Plans are Preferred Provider Organization (PPO) plans. Having access to the PPO network can mean substantial discounts in what you pay for your health care, even before you meet your deductible.Statewide, 3,000 providers participate in the network. You may search for providers at the Rocky Mountain Health Plans Provider Directory. Click the green “Find a Provider” button and select “Rocky Mountain Health Plans Network”from the drop-down menu by Network.
Underwriting:
The process is very fast if no medical records are needed. Rocky Mountain Health Plans advises to apply at least ten business days prior to the time you need your new coverage to take effect. It could take less time, but if medical records must be ordered, the application process will take longer. Effective dates are on the 1st and 15th of the month.
If you have a pre-existing condition, please let us know before you apply so we can avoid unnecessary delays in getting you covered.
Underwriting actions can range from acceptance, request for medical records, placement on a higher rate tier and/or denial. Children up to age 19 will not be denied coverage. Final underwriting action will be subject to review of the underwriting staff and is contingent on the individual circumstances of each applicant.
Effective Dates:
Rocky Mountain Health Planseffective dates are the 1stor the 15th of the month. Your credit card will not be billed until your application has been approved. 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 Rocky Mountain Health Plansthat your coverage has been approved and is in force.
About Rocky Mountain Health Plans:
Rocky Mountain Health Plans (RMHP) is an independent, not-for-profit health benefits provider that has served the health care needs of Coloradans for more than 30 years. Founded in 1974, they offer a wide range of medical benefit options, including PPO and Health Savings Account-eligible plans.
The organization’s headquarters is in Grand Junction and regional offices are located in Colorado Springs, Denver, Durango and Pueblo.
For more than 30 years, Rocky Mountain Health Plans has remained independent in an industry where buyouts and consolidations are routine. They continue to make decisions at the local level.
Awards and recognition include:
Named a Well Workplace by the Wellness Councils of America for promoting wellness programs to employer groups
Awarded the 2006 Innovation and Excellence Award in Chronic Care by the America's Health Insurance Plans Foundation for Improving Diabetes Outcomes in Mesa County, Colorado initiative
They have been rated A+ (Excellent Financial Strength) by Weiss Ratings. The A+ rating is the highest grade possible from Weiss and places them on the Recommended List of companies, an elite group of 22 health insurance companies representing the top 3.8 percent of the industry.

"The experience was excellent."
"Tim Holt recommended a suite of policies that fit the bill. The process went smoothly and was easy to deal with.
Getting the coverage we needed at a reasonable cost did the trick.
I would recommend ColoHealth."

Greg Dreith
Fort Collins, Colorado
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