Group Insurance is for companies that want to provide insurance benefits to their employees. Premiums are typically paid by both the employer and the employee and coverage may be extended to eligible dependents. In many cases, group insurance will cost less AND provide better coverage than individual insurance. And the premiums can be tax deductible! If you own a business and want to offer insurance to your employees, we can help find the right plan for you. Group Insurance Benefits: Medical Dental Vision Disability Income Term Life Section 125 Plans Ask a Question about Group Insurance

Group Insurance Carriers we represent: Medical Anthem Blue Cross and Blue Shield Humana Kaiser United Healthcare Ancillary Delta Dental The Hartford MetLife Principal The Standard Unum VSP Request a Quote for Your Company

Some Common Questions About Medicare Do you get Medicare or Medicaid when you turn 65? How about if you are disabled? Should you purchase a supplement or an advantage plan? What is the difference? How do you enroll in a Medicare Part D plan? What if you are 65, but plan to stay on your employer's group plan? Confused?? Medicare has many rules and regulations.  We can help you understand your rights and responsibilities under Medicare. Did you know that Medicare Supplements are guarantee issued, but only for the first 6-months after you become a Medicare Beneficiary? Did you know that without a Medicare Supplement you could end up responsible for 20% of your medical claims, regardless of how much they are? If you delay enrolling in a Medicare Drug Plan, you can be penalized 1% of the average Part D premium for each month you are eligible, but not enrolled.

Still Confused About Medicare? Ask a Question or contact us at 303-756-2663.

Individual Health Insurance is a great option if your employer does not offer group benefits. We can help you determine if you qualify for financial assistance, explain all your options, and assist you with enrollment in any individual health insurance plan, even those sold through the marketplace (Connect for Health Colorado). Types of Individual Insurance Benefits: Medical Dental Vision Disability Income Term life Ask a Question about Individual Insurance

Individual Insurance Carriers we represent Anthem Blue Cross and Blue Shield Cigna Friday Health Plans Humana Kaiser Request a Quote for You and/or your family

What is Cobra? The Consolidated Omnibus Budget Reconciliation Act (COBRA) gives workers and their families who lose their health benefits the right to choose to continue group health benefits for limited periods of time under certain circumstances. Qualified individuals may be required to pay the entire premium for coverage up to 102 percent of the cost to the plan. COBRA outlines how employees and family members may elect continuation coverage. It also requires employers and plans to provide notices. Who is eligible for COBRA? A qualified beneficiary is an individual covered by a group health plan on the day before a qualifying event who is either an employee, the employee's spouse, or an employee's dependent child.    Under what circumstances are you a qualified beneficiary? Qualifying Events for Employees: Voluntary or involuntary termination of employment for reasons other than gross misconduct Reduction in the number of hours of employment Qualifying Events for Spouses: Voluntary or involuntary termination of the covered employee's employment for any reason other than gross misconduct Reduction in the hours worked by the covered employee Covered employee's becoming entitled to Medicare Divorce or legal separation of the covered employee Death of the covered employee Qualifying Events for Dependent Children: Loss of dependent child status under the plan rules Voluntary or involuntary termination of the covered employee's employment for any reason other than gross misconduct Reduction in the hours worked by the covered employee Covered employee's becoming entitled to Medicare Divorce or legal separation of the covered employee Death of the covered employee What if my previous employer has fewer than 20 employees? The State of Colorado has a similar law that requires an employer to offer State Continuation of Coverage. Why is COBRA so expensive? Because healthcare is expensive. The COBRA premium is your full premium (the portion the employer has been paying and the portion you have been paying). How do I know if COBRA is my best option? Call our office at 303-756-2663.  We will be happy to help you evaluate your situation and determine your best course of action.  We never use high pressure sales tactics.  The call costs you nothing, even if we recommend that you continue under COBRA, which we often do.

Still Confused About COBRA? Contact us at 303-756-2663 to help you with your best options.