We have many Colorado Health and Life Insurance plans and the companies we represent include, Anthem Blue Cross Blue Shield, Assurant, Humana, Golden Rule, IHC, ING Direct, Mutual of Omaha, Rocky Mountain Health Plans, United Health One, World and others. Individuals, Families, Small Businesses, Self-Employed, and others, require Colorado health insurance and/or Colorado Life Insurance just like any large company or corporate employee, but the plans available are varied.
Here at Colorado Health Life Options (CHLO), we are familiar with the options and solutions in Colorado. To ensure that you find the best health plans for your needs, we've assembled health insurance plan information all in one place. You don't have to waste your time shopping around for low-rate health insurance and you don't have to sacrifice quality for price!
Whether you're a small business, self-employed, an individual or a family in Colorado, you've felt the pinch of rising health insurance costs. But rest assured, there is a health plan right for your needs and we will help find it for you.
Here at Colorado Health Life Options (CHLO), we are familiar with the options and solutions in Colorado. To ensure that you find the best health plans for your needs, we've assembled health insurance plan information all in one place. You don't have to waste your time shopping around for low-rate health insurance and you don't have to sacrifice quality for price!
Whether you're a small business, self-employed, an individual or a family in Colorado, you've felt the pinch of rising health insurance costs. But rest assured, there is a health plan right for your needs and we will help find it for you.
Services
Colorado Health Life Options is an independent insurance broker based in beautiful Golden, CO.
Colorado Health Life Options is dedicated to matching each individual and family with the best Health Insurance or Life Insurance plan for their unique needs.
We offer nationally recognized, reputable major insurance carriers here in Colorado to choose from which are A Rated and in good financial standing.
Colorado Health Life Options strives to maintain a quality client experience from the selection of your insurance plan, to application, to policy and ongoing.
Colorado Health Life Options is dedicated to matching each individual and family with the best Health Insurance or Life Insurance plan for their unique needs.
We offer nationally recognized, reputable major insurance carriers here in Colorado to choose from which are A Rated and in good financial standing.
Colorado Health Life Options strives to maintain a quality client experience from the selection of your insurance plan, to application, to policy and ongoing.
Colorado Health Insurance and Life Insurance can be confusing and unclear.
Colorado Health and Life Options is here to help with some simplified Insurance Definitions:.
Additional Insured: Anyone covered under your health plan that is not named as the "insured."
Benefit: The dollar amount your insurance carrier will pay when you file a claim for a covered loss.
Benefit Period: The interval during which you will be eligible for benefits.
Generally, your benefit period will begin with the first medical service you received for a specific illness and end after you have not been treated for that condition for 60 days or otherwise stated by your policy.
Colorado Health and Life Options is here to help with some simplified Insurance Definitions:.
Additional Insured: Anyone covered under your health plan that is not named as the "insured."
Benefit: The dollar amount your insurance carrier will pay when you file a claim for a covered loss.
Benefit Period: The interval during which you will be eligible for benefits.
Generally, your benefit period will begin with the first medical service you received for a specific illness and end after you have not been treated for that condition for 60 days or otherwise stated by your policy.
No, you won't get a better price.
Insurance premiums are the same across the nation for all insurance agents.
What is more important is the service we offer you, and at Colorado Health Life Options, our service backs you up 24.7.
We are the buffer between you and the insurance company.
One call to us and we will have it resolved for you quickly and efficiently.
The only reason insurance is cancelled is if you have been dishonest about a pre-existing health condition.
Other than that, once you get approved for health insurance your rates stay the same as everyone else's in your age group/class regardless of your history of claims.
Insurance premiums are the same across the nation for all insurance agents.
What is more important is the service we offer you, and at Colorado Health Life Options, our service backs you up 24.7.
We are the buffer between you and the insurance company.
One call to us and we will have it resolved for you quickly and efficiently.
The only reason insurance is cancelled is if you have been dishonest about a pre-existing health condition.
Other than that, once you get approved for health insurance your rates stay the same as everyone else's in your age group/class regardless of your history of claims.
Preferred Provider Organization (PPO) - A network of healthcare providers who have negotiated discount contracts with health insurance carriers.
Although you may select your healthcare provider, there are generally financial incentives for you to select providers within your PPO network.
Health Savings Accounts (HSA) - And individual or family pays in contributions to their insurance carrier and those contributions earn interest, which may be tax-deferred or tax-free.
Withdrawals for medical expenses are tax-free withdrawals.
Although you may select your healthcare provider, there are generally financial incentives for you to select providers within your PPO network.
Health Savings Accounts (HSA) - And individual or family pays in contributions to their insurance carrier and those contributions earn interest, which may be tax-deferred or tax-free.
Withdrawals for medical expenses are tax-free withdrawals.
PPO (Preferred Provider Organizations) - Aetna's PPOs are networks of healthcare/medical insurance providers who have negotiated discount contracts with health insurance carriers.
Although you may select your healthcare provider, there are generally financial incentives for you to select providers within your Aetna PPO network.
Aetna offers a range of deductibles and copay options that make the most sense for you.
HSA (Health Savings Accounts) Plans - An individual or family pays in contributions to Aetna and those contributions earn interest, which may be tax-deferred or tax-free.
Although you may select your healthcare provider, there are generally financial incentives for you to select providers within your Aetna PPO network.
Aetna offers a range of deductibles and copay options that make the most sense for you.
HSA (Health Savings Accounts) Plans - An individual or family pays in contributions to Aetna and those contributions earn interest, which may be tax-deferred or tax-free.
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