Thank you for visiting InsureMe.com, your source for Colorado health insurance quotes and information. Below you will find information regarding your rights as a health insurance consumer in the state of Colorado, some things to consider when shopping for insurance and advice for finding coverage if insurers will not sell it to you.
Once you have boned up on Colorado health insurance, just fill out the "Get a free quote" box to the right to receive up to five free quotes from agents in your area, who compete to serve you.
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Shopping for Colorado Health Insurance: Tips to Follow
A smart consumer is a protected consumer. Before signing on the dotted line, make a checklist of these items to ensure your protection:
Get Recommendations—If you have special needs or preexisting conditions, make sure you contact a doctor or support organization for health insurance recommendations.
Ask Questions—after reading through the policy, direct any and all questions to your Colorado health insurance agent. A good agent will be more than happy to make sure you understand your policy.
Know What the Policy Covers—be sure to review the "exclusions and limitations" section of your policy. Knowing what your policy covers will help avoid surprises during a physician or hospital visit.
Look into the Future—ask your Colorado health insurance agent how your rates will increase as you age, and how often the insurer can increase rates.
Identify Your Coverage Area—if you are looking for a managed-care plan, check the provider's directory to make sure there are suitable doctors, hospitals and other health care facilities in your area.
Put Them to the Test—call the insurer's customer service number to see how quickly you are able to get help.
Rights and Privileges of Colorado Health Insurance
As a consumer, you have certain rights pertaining to Colorado health insurance under state law. You should be aware of your rights and privileges to avoid any unpleasant surprises when you put your Colorado health insurance to work.
Regardless of the type of health insurance coverage you hold, you have a right to:
What to Do If You Are Denied Health Insurance Coverage
If you have been denied Colorado health insurance due to pre-existing medical conditions, you may qualify for the Colorado Uninsurable Health Insurance Plan (CUHIP).
CUHIP is a state-run program, offering Colorado health insurance to those previously deemed "uninsurable". However, due to the high risk levels of CUHIP patients, CUHIP subscribers pay about 30 percent more for Colorado health insurance than those insured through the normal market. It is for this reason that CUHIP should be considered a last resort.
If you are uninsurable due to a pre-existing health condition, you may contact the CUHIP administrator at (800) 672-8477 for more information.
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