I give you choice among the various insurance companies that sell health insurance plans in Colorado. I can give you insights, ways of thinking about coverage options, and experience helping my clients negotiate the complex system of health insurance. I will help you find the insurance that is best for your situation and needs. I can't say enough good things about Hal!
I would gladly recommend him to anyone in need of insurance! He is helpful, knowledgeable, honest, kind, and responsive. With his help he makes navigating insurance easy to understand and he takes the time to find what works best for each person.
I would gladly recommend him to anyone in need of insurance! He is helpful, knowledgeable, honest, kind, and responsive. With his help he makes navigating insurance easy to understand and he takes the time to find what works best for each person.
Services
Early Retiree, Business Owner, and others Under 65, without employer or governmental insurance.
The most comprehensive coverage for individuals and families not on employer or governmental plans, are those that comply with the requirements of the Affordable Care Act (ACA).
Annual wellness exams and tests at no out of pocket cost.
None of the insurance companies selling ACA plans within Colorado offer a PPO option (i.e., no out of state or out of network benefits).
If you missed open enrollment for ACA plans or just need short -term minimum coverage, we have options available.
The most comprehensive coverage for individuals and families not on employer or governmental plans, are those that comply with the requirements of the Affordable Care Act (ACA).
Annual wellness exams and tests at no out of pocket cost.
None of the insurance companies selling ACA plans within Colorado offer a PPO option (i.e., no out of state or out of network benefits).
If you missed open enrollment for ACA plans or just need short -term minimum coverage, we have options available.
This is no single right answer to the question: "Which supplemental Medicare plan is best for me?"
There are many considerations including your health situation, lifestyle, and special needs.
Instead of talking to a stranger on the phone.
Give me a call so we can talk about what's right for you.
Part A- Covers hospital stays, skilled nursing, hospice and other facility-related services.
Part D of the Medicare Law was passed in recognition of the increasing importance of prescription medications as compared to 1964 when the original law was passed.
There are many considerations including your health situation, lifestyle, and special needs.
Instead of talking to a stranger on the phone.
Give me a call so we can talk about what's right for you.
Part A- Covers hospital stays, skilled nursing, hospice and other facility-related services.
Part D of the Medicare Law was passed in recognition of the increasing importance of prescription medications as compared to 1964 when the original law was passed.
Short-term disability insurance provides monthly payments to help cover expenses if you are unable to work because of the disability.
The monthly benefit amounts vary and are usually tagged to your current income.
Benefits begin about a month after the disability is determined and continue for up to 12 months.
This benefit can help you cover living expenses and other costs during this difficult time.
Short-Term Disability insurance is available to individuals or as a group benefit offered b to employees.
The monthly benefit amounts vary and are usually tagged to your current income.
Benefits begin about a month after the disability is determined and continue for up to 12 months.
This benefit can help you cover living expenses and other costs during this difficult time.
Short-Term Disability insurance is available to individuals or as a group benefit offered b to employees.
Standard plans give you a free or low-cost exam, cleaning and x-rays once or twice a year.
Higher cost benefits require that you wait six to twelve month before getting things like fillings (usually six months) and crowns (usually 12 months).
Waiting periods may be waived if you had dental coverage within 60 days.
There is an annual maximum on benefit amounts the insurance will cover.
Copay plans Reimburses you a fixed amount for each service, such as $700 for a crown.
You pay any difference between the fixed amount and the total dentist bill.
Higher cost benefits require that you wait six to twelve month before getting things like fillings (usually six months) and crowns (usually 12 months).
Waiting periods may be waived if you had dental coverage within 60 days.
There is an annual maximum on benefit amounts the insurance will cover.
Copay plans Reimburses you a fixed amount for each service, such as $700 for a crown.
You pay any difference between the fixed amount and the total dentist bill.
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