Affordable Colorado Health Insurance
5 Tips for Getting Low Cost Health Insurance Colorado
by Keith Taylor, MBA, Board Member Emeritus, Colorado State Assoc. of Health Underwriters
You have a nearly limitless selection of health policies. Your goal should be to get affordable Colorado health insurance that provides the coverage you need. Here’s how:
1. Get a Broker – Did you know that by law, you’ll pay the same rate whether dealing direct – or enjoying the services of a broker? When you call a health insurance company directly, they’ll offer you only plans from one company – theirs. That’s why a broker is the best way to get cheap health insurance Colorado, who will help you choose from the best plans available from every company.
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2. Shop Around – The health insurance market is constantly changing, from year to year, even from day to day. The best deals for affordable health insurance in Colorado are changing constantly. A broker knows the current best deals, and can save you 30% or more on nearly identical plans.
3. Know Which Companies / Plans to Avoid – Some companies lure you in with an attractive initial rate for low cost health insurance Colorado. But then in a process known as ‘death spiraling,’ they might raise your rate up to 300% a year or more. And if you’re ill, you’re stuck! An experienced broker knows which companies to trust – and which to avoid.
4. Think Beyond Premium – Your goal of course is to get the health insurance that you and/or your employees need. Some programs might be stronger with, for example, physical therapy, others with psychotherapy. A broker will help you get the cheap health insurance Colorado that will you give the best coverage for your specific needs.
5. Ongoing Support – Insurance companies providing Colorado health insurance coverage sometimes reject claims or pay only partial benefits. But when you work with an experienced independent broker, you’ve got help. A good broker will advocate on your behalf, and could help get your claims paid.
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Affordable Health Insurance in Colorado
Health Insurance Advocates: Your Best Choice for Cheap Health Insurance Colorado
I can help you get the low cost health insurance Colorado you need – at the lowest possible cost. Here’s how:
• Every Plan – We’re one of Colorado’s largest health insurance broker for individuals and small business. We offer almost every health insurance plan available in the state. And with more than $30 million in annual premiums, I have direct dial access to major health insurance companies to get you express service.
“Keith was extremely helpful in setting up a health care policy for my company. It’s great to have a point person for everything from policy choices to filling out the forms. He’s professional, very knowledgeable, easy to reach, great to deal with, and saved me a lot of time and frustration. I highly recommend him!” Jon Guelzow, Owner, Biggie Wine and Liquor
• Experienced Broker – We have more than two decades experience helping small business and individuals. Since 1991 we’ve helped thousands of people get affordable Colorado health insurance with the ideal coverage to meet their needs.
• Ongoing Service – Have a problem filing a claim or getting it paid? Call me – I’m your advocate. I’ll go to bat for you. And I can check in annually to ensure you’re still getting the optimal medical insurance in Colorado at lowest possible cost.