Low Cost Health Insurance

Looking for a quick resource for figuring out how to understand and purchase affordable low cost health insurance?


Today, there are two basic types of low cost health insurance: Fee for Service (indemnity plans) and managed care.

The information presented here will help you choose the right plan.

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You may be buying low cost health insurance for the first time, or you may already have health insurance Denver, but want to consider changing plans.

Married or single, children or no children, this information will help you to find out how to choose a low cost health insurance plan in Denver that best meets your needs and saves you money.

Health Insurance Q and A Tips

What happens to my health insurance when I resign or my appointment ends?---You are entitled to continue the health coverage for up to 18 months under a Federal law referred to as COBRA. Cost of coverage is borne fully by the employee.

This can be a scary situation. Retirement means up in years and a possible accumulation of preexisting conditions that could make you uninsurable, or your preexisting conditions could be excluded. Meaning, you suddenly have to cover the cost of expensive meds or care. Fortunately, Colorado is one of 26 states that provide a safety net through a high risk uninsurable pool. If you have had coverage within 60 days, your preexisting conditions are covered immediately. Otherwise your preexisting conditions will be covered within six months as long as you are a resident of Colorado. You may find further information about this type of coverage at www.covercolorado.org

What happens to my health insurance during a period of personal leave without pay?---It depends on the employer to decide what, if any, ongoing coverage they are willing to provide.





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