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Throughout
our website you will find information on available health insurance
plans, supplemental accident plans, instant quotes, and online
applications. Simply follow the instructions on our Consumer's
Guide page, and you should be able to choose the best
plan for your needs quickly and easily. For more detailed
instructions, request a copy of our free report, Colorado
Health Insurance Made Easy: How To Choose The Best Plan And Get
Covered Quickly and Easily.
If
you have any quick questions, feel free to call us during our
open call-in time 10am - 11am, Monday through Friday, or
feel free to use our contact form
for any quick questions. However,
if you are considering a plan that is going to cost over $400
per month, or if you plan on opening a Health Savings Account
(HSA) and putting $3,000 or more in your account each year, your
decision may require a little more thought. You know you
need to do something, but you're probably a very busy person and
you might not have time to wade through all this information.
Where to Get Your Information and Advice
If
you want to discuss your health insurance needs with someone, you have several
options. You could just put your name and contact information in a "Request
for Quote" type website. They will sell your information, and in
a matter of hours you will have several insurance agents calling you, telling
you why their plan is the best one. Because the insurance business is
easy to get into, many of these salespeople may have been selling used cars
or vacuum cleaners last week. They may sell you a policy today, but
when you call them in 6 months about a claim issue, all you may find is a
disconnected number. Another
option is to open the yellow pages, and call your friendly neighborhood agent.
This person probably sells life insurance, auto insurance, home owner's insurance,
and a little health insurance on the side. They may only have one or
two plans to offer you, and they probably only have a cursory understanding
of HSAs. When your rates start going up in a year or two, all they can
do is shrug their shoulders and say "sorry". However,
your BEST option would be to request a consultation with ColoHealth.
We will provide you expert analysis on numerous available insurance plans
in your area, informed and unbiased advice on the best options for you, and
exceptional follow-up service for as long as you remain a customer.
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How
a ColoHealth
consultation saves you time and money
ColoHealth
is the leading health insurance broker in the state of Colorado specializing
in plans for individuals and families. We offer dozens of plan options
from eight different insurance companies. Yet we are a very small company,
dedicated to superior customer service. Personal consultations are done
only by our professional advisors listed at the top of the page.
We have decades of experience in the health insurance business, and we each
personally help more individuals and families in Colorado each year than just
about any other agent in the state. We know which plans offer the lowest
rates, which ones have the best PPO networks, which ones tend to have the most
stable rates, and all other pertinent details. And we know how to save
you time and money. If
you've looked at the instant
quotes, you've no doubt seen a large number of plans with quite a wide
price range. There can be a dizzying number of choices, some dramatically
more or less expensive than others. Sometimes the least expensive plan
is your best choice - but not always. Some plans have limitations on doctor
visits and prescription drugs. Others may not have your doctors in their
network. We'll help you sort through the confusion, so that you end up
with the best plan for you. We
will also help you figure out the best way to structure your plan. For
example, we have a customer named Jennifer Loss, from Elizabeth, CO. Her
husband was covered under a group plan, but it was going to be very expensive
to add her and her two children. She was looking for a low premium, but
also wanted preventive care for herself and her two children. We were
able to find a plan that gave her 100% coverage with no deductible for childhood
immunizations, routine childcare, mammograms, Pap smears, and PSA tests.
The premium was only $183.39, a $100 savings over the plan she had been considering.
After
you get your coverage in place, we make sure that you continue to save money
and stay in the best plan for your needs, year after year. Because rates
change, the plan you sign up for today might not be the best plan in a year
or two. For
these reasons, every year we offer to do a no-obligation Annual Comprehensive
Policy Review, in which we review available plans and make recommendations
about whether you should consider switching to a different insurance company.
We also keep you informed about changes in health insurance premiums, Colorado
law changes, HSA contribution limits, or other issues that might affect your
money or your health. This will save you thousands of dollars over the
coming years. Choosing
the right health insurance plan is an important decision. If you have
any hesitation about doing it yourself, then you owe it to yourself to get professional
advice.
Colorado couple now saving
$4,500 per year in premiums and taxes
While
her husband's job provides him with excellent coverage
through a Cigna group plan, Rosemary and Billy Wright
of Parker, CO, found themselves in the same dilemma as
many others. They were finding it increasingly difficult
to keep up with the rising cost of their group health
insurance plan. While Billy's company pays for his
coverage, the cost of keeping his family on the plan exceeded
$600 per month, and was more than they could continue
to pay. After consulting with me, Billy remained
on his company-provided plan, and switched his wife and
three children to an Anthem HSA 100% plan with a $2,500
deductible. This lowered his premium to just $283.10
per month, saving him over $317 every month.
He
is using part of that savings to fully fund his HSA account
with $2,500 each year, in effect giving his family zero-deductible
100% coverage, which is still costing him less than his
previous plan. The HSA contribution is also saving
him an additional $700 from his income taxes each year.
So
his total savings are $3,804 per year in premiums, and
$700 per year in taxes, amounting to an additional $4,500
in his pocket each year. Now if any family members
do have medical bills, the Wright's can simply pay those
bills with dollars set aside in their HSA, money on which
they paid no income taxes. Since the Wrights say
they never spend that much on medical cost during most
years, any money left in the account will remain theirs,
building for their retirement instead of winding up in
the bank account of another insurance company.
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The
ColoHealth
Health Insurance Consultation
During
this phone consultation we will take you through a process which
will identify the best insurance company and plan for your needs.
We will help you narrow down your choices, review the pros and
cons of the various options available, and provide our professional
recommendation. We will then assist you in getting enrolled
in the plan of your choice. Specifically, all consultations
include the following:
-
A
detailed analysis of available plans in your zip code area,
and our professional recommendations
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Determination
of which insurance company to go with, which plan, and which
deductible
-
An
Income Tax Savings Estimation, and a Future Value
Projection to estimate how much money could accumulate
if you choose an HSA-qualified plan
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A
PPO Network Verification, to make sure that your
doctors and hospitals are in the PPO network of the insurance
plan you choose
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Decision
on whether or not to include a supplemental accident plan
with your coverage
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A
Pre-submittal Application Review to identify any
potential underwriting problems
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Examination
of your contribution plans for your HSA (if you choose this
type of plan) in order to identify which administrator would
best meet your needs; and a calculation of your maximum
monthly HSA contribution
-
Priority
Underwriting Check, so we can keep you informed of your
application during the approval process
-
Personal
review of your policy once you've been approved
-
Personal
assistance should you need to request that any unexpected
exclusions be removed from your policy
-
Annual
Comprehensive Policy Review, to make sure you continue
to save money and stay in the best plan for your need
When
we are finished with our meeting, you will have a clear understanding
of the plan you are getting, and why it is your best choice.
The process will be easy, hassle-free, and you will never have
to shop for health insurance again.
Perhaps
most important of all is how we treat our customers. We
are not interested in "selling" you a policy.
Our objective is to help you make the right decision for your
needs, and to earn a customer for life. These comments are
typical of what we receive:
"There are many
things that really set you apart from other insurance
consultants."
"There
are many things that really set you apart from other insurance
consultants. These include your communication ability,
both written and spoken, and your non-manipulative approach
to providing useful information.
Quality
customer service is all but gone in today's automated
and formulaic "service" economy. It is
nearly non-existent in the insurance industry. But
the personalized service I've received has been excellent:
responsive, informative, clear, and helpful.
I
have told a lot of my friends about you. I have
never recommended an insurance consultant before but I
told people just because it was such a pleasurable positive
experience. Their question is: "What other
states can you provide service to?"
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Joy
Amulya
Fort Collins, CO |
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"The best part
about my experience has been the personal attention that
I received."
"I
chose to go through your agency because I was recommended
to try it by a good friend! My friend told me that
he found it easy to find a good policy and that the process
was made clear and easy to understand. When I visited
your website, I found it to be so.
The
best part about my experience has been the personal attention
that I received. Personalized emails that were applicable
to ME and being able to reach someone by phone without
having to go through 15 minutes of "press 1 for..."
has been amazing!
The
personal approach has been key. By phone or email,
I was dealt with in a friendly and helpful manner.
I also found the website and paperwork to be straightforward
and easy to understand.
I
am getting my masters in Community Counseling through
the University of Northern Colorado, and I have recommended
this service to some of my classmates in my masters program
who are looking for insurance.
Thanks
so much for the great service!"
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Kelly
Mason
Colorado Springs, CO |
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Request
a Consultation Now
Most
financial advisors charge $1,000 or more each year in fees
and commissions to help their clients avoid taxes and build their
retirement accounts. Yet very few have an understanding
about health insurance, or health savings accounts. When
you request an appointment with ColoHealth,
you get to speak to one of the state's leading experts on individual
and family health insurance plans, and pay no consultation fee.
You will save money, the process will be easy, and you will have
direct access to your agent for the lifetime of your policy.
The bottom line is that you will save money by doing business
with us.
Please
only request an appointment if you are serious about choosing
a plan and getting enrolled. If you are just wanting
to “check some quotes”, please call someone like e-health
insurance. They have 150 operators standing by to give you
quotes and read information off their monitors. But if you
would like to get honest, accurate, and complete information,
from a true expert, with no agenda other than to help you choose
the best plan, then request a consultation time with one of
us at ColoHealth.
Please
be aware that we place a high priority on taking care of our customers
and making sure they are very well informed. It takes time
to deliver this level of service so we stay very booked and only
have a limited number of personal consultation times available
each week. So my recommendation is to request a consultation
right away. Our meeting will be friendly, informative, and
with no sales pressure.
To
Request a Telephone Consultation,
Call Our Office Now at 866-749-2045, or Apply
Online
When
you call to request an appointment, the receptionist will ask
you a series of questions to qualify the appointment. You may
also apply for a consultation through our online Consultation
Request form. Once we receive this information, we will
review it and send an email confirming the appointment. Because
of the high demand on our time, we will only confirm your appointment
request if we feel like we can help you. If health conditions
exist which will prevent us from offering coverage, we will cancel
the appointment and let you know your best options.
Appointment
Preparation
Before
the appointment, please review your instant
quotes so you have a feel for what plans are available.
Also, if you have general questions about what plans are available
in Colorado, you will find that information on our website.
We will confirm your appointment via email, and at the scheduled
time we will call you at the phone number you provide.
Our
Extreme Satisfaction,
100% Money-Back Guarantee
We
are so confident that doing business with ColoHealth
will save you time, money, and frustration, that we offer this
unheard-of guarantee. If you purchase a health insurance
plan and are not totally thrilled with the service you receive
from us before you apply, while your application is in the approval
process, or within 10 days after you have been approved, you can
receive a 100% refund of your initial premium. If you are
unhappy with our service any time in the future, we will also
personally assist you in finding coverage through a different
insurance agency, at absolutely no cost to you.
Call
866-749-2045
Now (or Click Here)
to Request Your Telephone Appointment
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