Colorado Health Insurance Shopping Tips

The Colorado Health Insurance marketplace can be a challenging one. If you're looking for health insurance on your own (not through your employer usually called individual health insurance)  you are probably thinking to yourself, "What is right health plan for me? and What are my rights as a health insurance customer in Colorado?"

Below are some tips that help answer some of these questions and make your shopping process a little easier.

Things to remember...

• Read the health insurance policy carefully and follow up with the insurance company or agent if you have any outstanding questions.
• Find out how the underlying rates related to the insurance policy will increase as you age, and how often the insurance company typically revises their rates.
• If you are evaluated a managed-care plan (i.e. and HMO or PPO for example), check the provider  directory to make sure that your existing doctors or other suitable doctors are included.
• If you have special needs or preexisting conditions, make sure you contact a doctor or support organization for individual health insurance recommendations.

Also, It pays to shop around before you make your purchase decision, one good place to start is ehealthinsurance.com.  At ehealthinsurance.com you make compare health plan rates and benefits side-by-side online and enroll online.

Below are some leading health insurance carriers offering individual health coverage to Colorado residents.

• Anthem Blue Cross Blue Shield of Colorado
• Celtic health insurance
• Golden Rule health insurance
• Humana
• Kaiser Permanente of Colorado
• Pacificare of Colorado
• Clarendon National (Short Term Health Insurance Only)

(Some plans may not be available in all parts of the state)

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