Personal professional enrollment support is available for all of the benefit plans listed on this page.
Send your question by e-mail for fast OnlineAdviser response.
Limited telephone support (800) 609-0683.
Office hours posted daily on Twitter
@FreedomBenefits
Most Liberal Eligibility
Core Health Insurance
- the nation's most popular defined benefit health plans with guaranteed acceptance
from US Fire Insurance Company
Value 24 Hour Accident
- up to $10,000 of supplemental health insurance coverage for emergency treatment of injuries at a cost of about $2 per day. Can be used as a stand-alone coverage or added to other insurance.
Value Emergency Room
- add $1,000 additional emergency room coverage for $1 per day for the whole family
Most Affordable
Secure Lite STM
- the lowest priced major medical insurance for 1 to 12 months
Secure Saver STM
- $2 million maximum coverage for 1-12 months at an ultra-low rate
Value Med Insurance
- 3 question simple medical eligibility and immediate approval for supplemental doctor and hospital benefits
Long Term Major Medical
UnitedHealthcare
- Golden Rule Insurance, a member of America's largest health plan
Dental Insurance
Secure DentalOne
- one lifetime deductible of $100 and then up to $1,250 per year coverage
Online Life Insurance
International Term Life
- up to $2 million coverage issued by Lloyds online specifically for those who spend time outside of the US
QuoteIntelligence Term life insurance
- find the lowest rates, compare features &
eligibility requirements and then apply online with the
best insurance companies in less than 30 seconds.
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Colorado health insurance exchange
Twenty
commercial health
insurance companies
offer
individual health
insurance policies
in Colorado and 21
companies issue
small group
insurance. The
state-sponsored
high risk health plan for residents
with pre-existing
medical conditions
is called " Cover
Colorado". These
standard policies
may be more
expensive than some
residents can
afford. Colorado
also has an
Indigent Care
Program that is
not health insurance
but can help low
income residents pay
for medical services. This Web
page lists some of the most
popular low cost
commercial health
insurance plans and
related benefits. All of these
policies offer
secure online
enrollment and professional OnlineAdviser
personal enrollment
support. Please note
that while many of
these choices could
be included in more
than one of the
suggested usage categories,
each plan is listed only once
for the sake of
brevity. Your
enrollment adviser
is available to
discuss suitability
of any plan for your
specific situation.
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Colorado insurance & benefit news
The state of
Colorado had the
20th lowest health
insurance costs of
all states in 2008
with an average
family premium cost
of $11,967 per year.
(The average annual
premium for a U.S.
family covered under
an
employer-sponsored
health plan in 2008
was $12,298
according to
The
Commonwealth Fund
report. The
overall quality of
health care
ranked 24th out of
the 51 states
(including DC).
Colorado Division of Insurance
drew attention
by issuing a
warning
in July 2008 about
small businesses
that use HRA plans
to bypass the
mandated benefits of
business health
plans.
Short Term Insurance
Markel Smart STM
- popular and affordable short term major medical insurance with fast online approval
Secure STM
- along with its 12 month and 36 month options, this may be the highest quality short term
coverage
Intermediate Term
Inbound Immigrant
- up to five years of liberal health insurance coverage after immigration including maternity coverage,
emergency and other essential benefits
Supplemental Insurance
Smart Accident Insurance
- supplemental coverage for emergency treatment of accidents and injuries for as little as $20 per month. Can be used as a stand-alone accident plan or to increase other insurance benefits.
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Colorado Insurance Law
The
Colorado Division
of Insurance Web site contains
basic information
about various types
of health insurance.
Colorado
insurance law
allows self-employed
residents buy group
health insurance for
a one person
business.
The state Division of Insurance can be reached by telephone at
(303) 894-7490 or by mail at
1560 Broadway, Suite
850, Denver, CO
80202. The state
children's health
insurance plan
(CHIP) Web site is
Colorado Child Health Plan Plus (CHP+).
Non-insurance Discount Plans
Careington PPO Discount Plans
- the nation's leading network PPO discount provider allows a no-risk trial
of any discount plan for only a $20 processing fee
Rx Pay Card
- $10, $20, or $30 payments for hundreds of popular prescriptions.
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Colorado Insurance News
3/1/2011 The
2010 Colorado Annual Health Cost Report is available online.
The report provides insight into a number of health care finance issues,
particularly emphasizing the financial differences between individual health
insurance and group health insurance.
1/19/2011 Child-only health insurance for children with
significant medical problems will be available through an open enrollment period
mandated by federal state law during the months of January and
July. All children, regardless of medical condition, continue to be eligible for insurance when applying as a dependent on a parent’s policy and healthy children are eligible for child-only insurance at any time.
When applying for child-only insurance for more than one child, make a separate application for each child.
12/16/2010 Officials
from the Executive Office of the State of Colorado met representatives of 44 other states and numerous employees of the federal Health and Human Services Department in Washington DC this week for a two-day working meeting to discuss the next steps in establish a government-run health insurance exchange under the American Health Benefit Exchange Model Act. Their
attendance at this meeting was paid for by a $1 million federal grant awarded by HHS in September to the state for research how to set up an insurance exchange. Two states (Alaska and Minnesota) declined to participate, saying that it was a waste of taxpayer money. Four other states (not identified in press reports) that received federal grants did not send representatives to the meeting. Attendees included representatives of 16 states that are suing the federal government in an attempt to overturn the federal health reform law; specifically the requirement that forces individuals to buy health insurance on the insurance exchange or pay a hefty tax fine.
In its initial federal grant request for the insurance exchange project,
Colorado said that it would:
1) Create an interagency Exchange board,
2) Perform an insurance market and information technology assessment, develop an economic analysis of different options available for the Exchange, and design web services,
3) Convene community forums focusing on the development of a health insurance Exchange, and
4) Establish parameters for and the governance structure of a State Exchange.
The meeting reportedly did not address the role of the commercial health insurance exchanges on the implementation of new competing government systems. The model act does not address inter-state insurance exchange proposals nor insurance sales across state lines. Federal officials admitted that they may not be able to provide further guidance until 2012. Meanwhile, most states are motivated to continue to meet requirements to obtain additional funding promised by the federal government for the establishment of insurance exchange by 2014. Freedom Benefits has previously voiced the opinion that the huge amount of money being spent to set up alternate insurance sales system technologies could be better used
providing health benefits to the public. We proposed on the
Universal
Health Insurance blog that adequate commercial insurance sales systems are
already in place that could be modified in a public/private partnership to make
health insurance more affordable.
7/15/2010 The new Colorado High Risk
Insurance Pool called "GettingUSCovered" is now open through Rocky Mountain
Health Plan and CoverColorado. This new open enrollment insurance is expected to
provide coverage for about 4,000 previously uninsured Colorado residents at
subsidized rate of $115 to $601 per month, depending on age for a $2,500 deductible single person coverage policy.
A $90 million federal grant will subsidize the
cost of the program until 2014.
5/14/2010 Diabetes Coverage: A new resource to help find
health
insurance for diabetics in Colorado is now available at Freedom Benefits.
3/23/2010 A proposed constitutional
amendment that prevents citizens from being forced to purchase health care
insurance has been proposed and the state attorney general says that the state
will not enforce federal health care reform law. Colorado is considering joining
a multi-state lawsuit to oppose federal health care reform.
3/13/2010 The bill
intended to expand maternity and contraceptive coverage in
individual policies and eliminating pregnancy as a
pre-existing conclusion has been defeated. Maternity
coverage will be available as an optional coverage.
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