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Jim

Tina

Tom

Michelle

Jim, Tina, Tom or Michelle ColoradoHealth.com 8751 E. Hampden Ave, #A-1, Denver, C0 80231 303-782-0123, 303-782-0804(Fax), email=Michelle@Coloradohealth.com

Anyone can apply for an Individual / Family Policy, but you will typically only get accepted if you are very healthy. Most individual policies don’t have much or any maternity coverage (The Kaiser PA1 policy is an exception to this.) The individual policies are typically the least expensive because they don’t have to accept people with health problems. Certain carriers are better than others on accepting people with pre-existing conditions. Give us a call and we can help you choose the best one. If you get turned down on an individual policy you’ll have the right to apply to www.CoverColorado.org which is the State provider of last resort coverage.

Business / Group policies are paid for by your business (can have tax advantages). If you have 2-50 employees you can typically get any of the offered Group policies (HMOs, PPOs - lots to choose from ). Health conditions are generally not a problem. If you are a self employed (Group of One), then you can still get a Group policy but you’ll have to meet more rules and may be limited to certain “Standard or Basic Policies”. Health conditions will generally not stop you from getting a policy if you meet various other requirements. Most Business policies cover maternity and preventative care. Give us a call and we can go over your particular circumstances and help you make a good choice. (Note that pre-existing conditions may have a waiting period before they are covered, but this typically isn’t a problem if you’ve had continuous coverage or choose an HMO for coverage.)