Reents Insurance Agency 303-756-2663
  Health Insurance Consultants Serving Denver and the Front Range

Reents Insurance Agency Products & Services

There is no one carrier or product that is best for everyone. We have been in the insurance industry for 24-years as an independent broker/producer and as such represent many different insurance carriers. More accurately, we represent the CLIENT. If you are shopping for a health insurance plan, you owe it to yourself to work with a broker. Our commission is paid by the carrier and does not change the premiums you pay.  There is no fee to you nor obligation to purchase or even meet with us.


Individual Medical Insurance

Individual Health Insurance is a great option if your employer does not offer group benefits.

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
  • Assurant
  • Cigna
  • Golden Rule/United HealthOne
  • Humana
  • Kaiser
  • Rocky Mountain Health Plans


Request a Quote for
You and/or your family

 

Medicare Supplement

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 purchase a Medicare Part D plan?

What if you turn 65 and 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.

 

Group Medical Insurance

Group Insurance applies to businesses providing medical insurance benefits to their employees. If you own a business and want to offer insurance to your employees, we can help find the right medical plan for you.

Types of Group Insurance Benefits:

  • Medical
  • Dental
  • Vision
  • Disability Income
  • Term Life
  • Section 125 Plans
Ask a Question about Group Insurance

Group Insurance Carriers we represent:

  • Anthem Blue Cross and Blue Shield
  • United Healthcare
  • Humana
  • Kaiser
  • Rocky Mountain Health Plans

Request a Quote
for Your Company

 

Cobra Insurance

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 provided by their group health plan for limited periods of time under certain circumstances such as voluntary or involuntary job loss, reduction in the hours worked, transition between jobs, death, divorce, and other life events. Qualified individuals may be required to pay the entire premium for coverage up to 102 percent of the cost to the plan.

COBRA generally requires that group health plans sponsored by employers with 20 or more employees in the prior year offer employees and their families the opportunity for a temporary extension of health coverage (called continuation coverage) in certain instances where coverage under the plan would otherwise end.

COBRA outlines how employees and family members may elect continuation coverage. It also requires employers and plans to provide notice.


Who is eligible for COBRA?
A qualified beneficiary generally 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. In certain cases, a retired employee, the retired employee's spouse, and the retired employee's dependent children may be qualified beneficiaries. In addition, any child born to or placed for adoption with a covered employee during the period of COBRA coverage is considered a qualified beneficiary. Agents, independent contractors, and directors who participate in the group health plan may also be qualified beneficiaries.

  

What circumstances make 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).  In other words, it is the group health insurance that is expensive, not COBRA.


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. 

Certified by Connect for Health Colorado
5760 West 120th #260 - Broomfield, CO 80020 | P. 303.756.2663 | F. 303.756.2630 | info@reentsinsuranceagency.com
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