Colorado Health Insurance

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Colorado Health Insurance

Health insurance these days is usually available in two categories: individual and group.
Individual insurance is primarily for those who are self-employed, or are employed by a company that have no provisions for a health plan, or who want individual insurance for their family members. When you buy an individual plan, you must pay a yearly premium as well as a deductible for each insured dependent, up to a base amount. If you buy a group policy, you are required to pay an annual premium, co-payments payable at each medical service, and a deductible payable before insurance starts issuing money for your valid medical bills.

The State of Colorado allows the insurance companies are allowed to refuse individual health insurance due to a health problem. In the case of your having a pre-existing condition, your condition can only be excluded for a period of one year. It is, however, allowed to permanently exclude your pre-existing condition with an elimination rider. If you succeed in maintaining a continuous, unbroken coverage for over 90 days, you are entitled to creditable coverage. Colorado imposes no rules on the premium an insurance company can charge for individual insurance. At the time for renewal, the premium can be raised depending on the claims made in the pool of people who also purchased the same individual health coverage. In Colorado, individual health coverage cannot be cancelled if the member falls ill. One who fulfills all requirements of HIPAA can buy CoverColorado for his/her individual health insurance.

In Colorado, no one can be refused group health insurance, nor can be charged more or have the insurance cancelled due to sickness, if he/she qualifies for group coverage. Your new boss may restrict health coverage to you for a limited time at the beginning of a new job. If you have pre-existing conditions, the insurance company can only review preceding six months of your medical history and can only exclude coverage for a maximum of six months. You must have unbroken health insurance of more than 90 days to be eligible for creditable coverage.

In Colorado, neither can a small employer of two to 50 people can be refused group health insurance, nor can it be cancelled due to illness in its employee group. Insurance companies can, however, vary their premium if an employee becomes very sick. During periods of annual open enrollment, a self-employed person can purchase business group health insurance in Colorado. It permits a business of any size to purchase group health insurance through a qualified, statewide alliance or trade association. State insurance programs such as Medicaid, Child Health Plan Plus, and Women’s Cancer Control Initiative are available in Colorado for those who meet qualifications.

For choosing the best health insurance quotes, it is better to do some homework or engage professional health insurance agents and brokers who are experts in this sphere.
Health insurance providers in Colorado include American Medical Security, Anthem Blue Cross and Blue Shield of Colorado, Assurant Health (formerly Fortis), Celtic, Golden Rule, Humana, Kaiser Permanente, PacifiCare, Security Life and United Healthcare.

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Contact your Colorado-elected officials about health care issues

On national level:

Colorado Health Insurance Information on Official State Government Sites

Colorado coverage for children and pregnant women-- Child Health Plan Plus (CHP+) is a low-cost health insurance program for uninsured Colorado children ages 18 and under whose families earn or own too much to qualify for Medicaid but cannot afford private insurance. The CHP+ Prenatal Care Program offers free health insurance to uninsured Colorado pregnant women who live in households that meet certain income requirements.
Information about Medicaid in Colorado – General Questions about Health Care and Medicaid, Medicaid and Managed Care and questions regarding the Web Portal Application
Colorado Department of Insurance 2004 Complaint Ratios of Insurance Companies (most recent statistics available) -- PDF documents outlining the number of consumer complaints lodged against insurance companies.
Colorado Department of Health Care Policy and Financing -- The state agency responsible for the administration of the Medicaid program, Child Health Plan Plus, and the Colorado Indigent Care program, the Department of Health Care Policy and Financing.
State of Colorado Division of Insurance Homepage – The State of Colorado's department of insurance provides official information all types of insurance.

Some Federal Government sites with specific Colorado Information

National Mental Health Information Centers listing of Colorado Mental Health Resources published by the United States Department of Health and Human Services

Colorado population statistics from the US Census Bureau, 2000 Census.

Colorado Health Care, Health Insurance and Consumer Advocacy

Georgetown University's guide to health insurance in Colorado in PDF form, last updated December 2004- A consumer's guide to getting and keeping health insurance in Colorado.
Colorado nonprofit organization working for universal health care under a single-payer system for all people living in Colorado- Health Care for All Colorado.

Colorado Counties : Adams County, Alamosa County, Arapahoe County, Archuleta County, Baca County, Bent County, Boulder County, Broomfield County, Chaffee County, Cheyenne County, Clear Creek County, Conejos County, Costilla County, Crowley County, Custer County, Delta County, Denver County, Dolores County, Douglas County, Eagle County, El Paso County, Elbert County, Fremont County, Garfield County, Gilpin County, Grand County, Gunnison County, Hinsdale County, Huerfano County, Jackson County, Jefferson County, Kiowa County, Kit Carson County, La Plata County, Lake County, Larimer County, Las Animas County, Lincoln County, Logan County, Mesa County, Mineral County, Moffat County, Montezuma County, Montrose County, Morgan County, Otero County, Ouray County, Park County, Phillips County, Pitkin County, Prowers County, Pueblo County, Rio Blanco County, Rio Grande County, Routt County, Saguache County, San Juan County, San Miguel County, Sedgwick County, Summit County, Teller County, Washington County, Weld County and Yuma County.

Cities where health insurance can be purchased in Colorado : Arvada, Aspen, Aurora, Avon, Bayfield, Basalt, Berthoud, Black Hawk, Boulder, Breckenridge, Brighton, Broomfield, Brush, Burlington, Castle Rock, Cedaredge, Centennial, Cherry Hills Village, Springs, Commerce City, Cortez, Craig, Creede, Cripple Creek, Delta, Denver, Dillon, Durango, Eagle, Eaton, Edgewater, Englewood, Erie, Estes Park, Evans, Federal Heights, Firestone, Frederick, Fort Collins, Fort Lupton, Fort Morgan, Fountain, Frisco, Fruita, Georgetown, Glendale, Glenwood Springs, Golden, Grand Junction, Greeley, Greenwood Village, Gunnison, Gypsum, Idaho Springs, Ignacio, Johnstown, La Junta, Lafayette, Lakewood, Lamar, Larkspur, Limon, Littleton, Lone Tree, Longmont, Louisville, Loveland, Lyons, Minturn, Montrose, Monument, Morrison, Nederland, New Castle, Northglenn, Olathe, Pagosa Springs, Palmer Lake, Parker, Pueblo, Rifle, Sheridan, Silt, Silverthorne, Silverton, Town of Snowmass Village, South Fork, Steamboat Springs, Sterling, Stratton, Superior, Telluride, Timnath, Thornton, Trinidad, Vail, Westminster, Wheat Ridge, Windsor, Winter Park and Woodland Park.

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