Individual Health Insurance Questions
Why don't you offer free, instant health insurance quotes?
To be blunt, because free health insurance quote websites are awful. They trick you into filling out a form to get free health insurance quotes and then they promptly sell these “leads” to many different health insurance sales people. These pushy sales people are generally incompetent and/or or they are disinterested call center agents. Is that really who you want to trust your health care decisions to?
Or, if you do manage to go it alone without being endlessly harassed by sales people, you will find that it is very easy to make costly mistakes. There are hundreds of health insurance plan options, just as many provider network variations, varying prescription drug lists, and endless financial variables that could affect your eligibility for tax credits and/or cost reductions. If you choose the wrong plan, you could end up paying too much or not having access to the doctors, prescription drugs, or medical care that you need. Moreover, if your eligibility for tax credits is calculated wrong, you could end up having to repay the government for any ineligible benefits you’ve received.
Let us help you. Our service is FREE for all Colorado residents.
How do I sign up for health insurance?
You can call us at 970.484.1250 or you can visit one of our enrollment centers. We will help you to enroll from start to finish. This process typically takes 30-45 minutes, but this largely depends on how prepared you are. To prepare for your enrollment meeting, please have the following items available:
- Your most recent pay stubs and tax return.
- Birth dates for everyone in your family/household.
- Social security numbers for all family members in your household.
- Citizenship or immigration status information.
- Policy numbers for any health insurance you currently have.
- Paperwork for any job-related health insurance available to you and your family.
If you are more of a “do it yourself” type person, you can go directly to connectforhealthco.com. If you go down this path, feel free to select “Timothy Hebert” as your authorized agent (Tim is our agency manager). This enables us to assist you, if needed (now, throughout the plan year, or at any point in the future). Electing “Timothy Hebert” as your agent does not cost you anything. In addition, our office will pro-actively manage future renewals/plan changes saving you time and ensuring that you always have the best plan and the best price.
Does it cost me anything to use a Colorado health insurance broker?
There is absolutely no cost to use a broker. You will get the same prices working with one our experts as if you called Connect for Health Colorado OR the insurance companies directly. The main difference you can expect from us — you will get expert guidance from local, certified agents that are very familiar with the local health insurance market. In addition, we provide year-round and ongoing support for your health plan.
We guarantee the lowest available rate.
We are an authorized retail site for Connect for Health Colorado.
How does it help me to work with a health insurance broker?
Working with one our Connect for Health Certified Brokers can help to streamline the process between you and the insurance company. We take the time to understand your unique needs in order to make expert recommendations that fit with your medical and financial needs. Once you decide on a plan, we can enroll you, answer any ongoing billing and claims questions, and help you resolve issues with the insurance company throughout the year. We also have direct access to an agent support team with Connect for Health Colorado and the insurance companies directly which is an expedited means of getting issues resolved.
Do I qualify for any discounts (tax credits, cost reductions, etc.)?
Depending upon your family/household size and your income, you may qualify for a premium tax credit or other cost reductions. To find out exactly how much premium assistance you can expect, call us today or book an appointment with one of our Colorado health insurance brokers.
I never go to the doctor. Why should I bother getting health insurance?
First off, just because you are healthy and don’t need medical care today does not mean that you won’t need medical care tomorrow. In fact, getting routine/preventative care is the best way to ensure that you stay healthy long term. I should also mention that preventative care is included at no extra charge with every health plan we offer. Second, the Affordable Care Act actually mandates that every citizen be covered by a qualifying health insurance plan or else be subject to a penalty enforced by the IRS. This penalty is referred to as the “Shared Responsibility Fee”. The Individual Shared Responsibility fee for not having insurance for 2016 is $695 per adult and $347.50 per child (up to $2,085 for a family), or it’s 2.5% of your household income above the tax return filing threshold for your filing status – whichever is greater.
How do I choose a health plan?
Choosing a Colorado health insurance plan used to be fairly straight forward. You would look at deductibles, co-pays, out of pocket maximums, and premiums. While these are still very important, it is more important than ever to evaluate the insurance companies themselves, their networks, and their prescription drug list.
Some companies may have dirt cheap premiums, but they might not be as financially strong as you would like. In addition, narrowing PPO/HMO networks mean that if you want to keep your doctor or wish to have access to a specific clinics/hospitals you’d better do your homework because these networks have drastically changed over the last year. Lastly, when it comes to prescription drug plans, not all insurance companies offer the same prescriptions for a specific condition. It is very important that you review the insurance company’s prescription drug list to make sure your required prescriptions are covered.
We help you to find the most suitable health insurance plan for your needs and your budget. Call us for assistance.
What happens after I enroll in a plan?
Some companies will allow you to make a payment (via credit card or bank draft) right after you confirm your plan selection. Otherwise, upon confirmation of plan section, Connect for Health Colorado will send your enrollment to the insurance company and you will be responsible for paying your first month’s premium direct to the insurance company.
You should receive your insurance cards within 7-10 business days. You’ll also receive a billing statement from the insurance company within 30 days. If you have any questions or concerns about this process, please give us a call.
What if I decide NOT to buy health insurance?
Health insurance is not optional and is required by law. Should you choose to go uninsured, you will be subject to a tax penalty. Use this tax penalty calculator to determine the penalty given your unique circumstances.
In addition to any tax penalties, you would also be putting your family’s financial well being at risk. When you are uninsured, you are personally liable for any and all medical expenses that you/your family incurs. This puts all of your assets at risk and also limits your health care options. Don’t put your family at risk. Sign up for health insurance today.
How do I cancel coverage?
You can submit any cancellation requests directly to Connect for Health Colorado. Please remember if you cancel your policy you can only re-enroll if you have a qualifying event that creates a “special enrollment period”.
If I have issues, who do I call?
It all depends on the issue you’re having. If it’s a billing issue you’ll want to speak directly to your insurance company. If you are reporting an income change or wanting to add a family member you’ll need to speak to Connect for Health Colorado. If you receive a request from Connect for Health Colorado to verify information, you will want to send it directly back to them.
You can also speak to us with any questions regarding your health plan. Were here to assist you throughout the year.
How would I qualify for a special enrollment period?
Examples of qualifying life events include:
- Marriage or divorce
- Having a baby, adopting a child, or placing a child for adoption or foster care
- Gaining citizenship
- Leaving incarceration
- Losing other health coverage due to losing job-based coverage, the end of an individual policy plan year in 2014, COBRA expiration, aging off a parent’s plan, losing eligibility for Medicaid or CHIP, and similar circumstances.
- For people already enrolled in Marketplace coverage: Having a change in income or household status that affects eligibility for premium tax credits or cost-sharing reductions
- Gaining status as member of a federally recognized tribe or shareholder in an Alaska Native Claims Settlement Act (ANCSA) Corporation.
- Members of federally recognized Indian tribes can enroll in or change plans once a month throughout the year.
Important: Voluntarily ending coverage doesn’t qualify you for a Special Enrollment Period. Neither does losing coverage that doesn’t qualify as minimum essential coverage.
What do I need to do if my income changes?
It is important that you notify Connect for Health Colorado of any income changes to ensure that you are getting the correct premium assistance amount. If you fail to notify them of increasing income it is very likely that you will have to pay back part of the tax credit you received when you file your taxes next year. Conversely, if you income does down, you may be eligible for additional premium assistance and/or cost reductions.
What happens if I change my mind after enrolling in a health plan?
Unfortunately, once you choose a plan and pay your first premium, then you are locked in for the year. That’s why we are here. We will help you to enroll with confidence.
How do I check to see if my doctors are in network?
There are three ways to check to see if your doctors are in network (listed in order of ease):
- Ask us! We are here to help.
- While you are reviewing plan options on Connect for Health Colorado’s website, you will have the opportunity to do a provider search to make sure your doctor is in network.
- Contact the insurance company by calling the number on the back of your insurance card.
Why would I NOT want to buy a policy on Connect for Health Colorado?
If you know that you don’t and won’t qualify for premium assistance and would rather not go through the hassle of applying for this assistance just to be declined, then you can just apply for health insurance “off exchange”. Another situation where you might buy off exchange is if there is a specific insurance company or plan that you want that is not offered inside the marketplace.
We can help you to sign up “off exchange” (directly with the health insurance companies) too. Give us a call so that we can review your situation to make sure we take the best approach given your unique situation.
Does having a short term health insurance policy satisfy the health insurance mandated by the Affordable Care Act?
In short, no it does not.
Are dental services covered by health insurance?
The ACA mandates that dental services must be covered for those under the age of 19 on all compliant individual and family health plans. (Employer sponsored health plans may not be subject to this mandate.) Adult dental services are not covered by health insurance. Contact us for dental plan options and rates.
When is open enrollment?
November 1st- January 31st. You must apply before the 15th of the month to receive a first of the month following start date. Enroll by 12/15 for a January 1st effective date
Do you only work with Connect for Health Colorado?
We are able to assist with Connect for Health Colorado, but if it doesn’t make sense we will enroll the client directly with the carrier. We do whatever is in the best interest of the client. We are an independent insurance agency with no ties to one carrier or another.
Can you help me with dental and vision insurance as well?
Yes, we can also assist with dental, vision and life insurance.
I don't currently have health insurance, and I just moved to Colorado, can I gain coverage due to my move?
No. Connect for health Colorado has recently changed their qualifying event regulations to indicate that you must have lost credible coverage (by moving) to be eligible to gain new coverage in Colorado. Just the move itself does not create a special enrollment period.