Temporary Health Insurance in Colorado
Colorado Temporary Health Insurance Plans
Guide to Finding Short-Term Health Protection
There are several options for people in the state of Colorado looking for temporary health insurance. Private insurance companies offer temporary health insurance for as short as 30 days, and this can be extended and renewed as a regular-termed health insurance depending on the person’s needs. Most people who are looking for temporary group or individual health insurance are individuals who are in between jobs and who are waiting for a group insurance to provide them coverage.
Types and Coverage
Making comparisons and choosing which temporary health insurance plan to get starts with knowing what type of coverage you and your dependents need. The basic coverage of health insurance includes routine health examination, and doctor’s office visits and check-ups, medication, treatment, hospitalization and other medical procedures for illness and accident-caused injuries.
The type of health insurance is also something to think about. Just like a regular health insurance, temporary health insurance in Colorado can be acquired as indemnity or major medical, HMO, PPO or even point-of-service health insurance type.
Getting Temporary Health Insurance from Private Health Insurance Companies
Health insurance companies offer temporary health insurance for people who are waiting for a group health insurance to cover them. This ensures continuous health protection and has similar benefits and coverage to the other health insurance plan they offer. Temporary health insurance can be bought for as short as 30 days and can be extended as the need arises.
Temporary health insurance plans offered by private health insurance companies can be pretty expensive for people who need coverage for more than one person. And it can be more costly and complicated for people with pre-existing health conditions. Most health insurance policies have a pre-existing condition exclusion period wherein the cost of any medical service related to a pre-existing condition is not covered by the health insurance policy. This would commonly be around 18 to 36 months. And since temporary health insurance only runs for a short period of time, the insured may not get a complete coverage for all his medical needs.
Here’s a list of private health insurance companies in Colorado per state:
Denver, Colorado
§Kaiser Foundation Health Plan Of Colorado (Kaiser Foundation Health Plan)
§Pinnacol Assurance
§Cigna Healthcare Of Colorado Inc (Cigna)
§Van Gilder Insurance Corp
§Copic Insurance Company
Colorado Springs, Colorado
§Colorodo Springs Health Partners, Pc
§Co West Of Colorado Springs (Cowest Of Colorado Springs)
§Insurance Services Network Inc
§Kaiser Foundation Health Plan Of Colorado (Kaiser Foundation Health Plan)
§Mangum Insurance Agency Inc (Mangum, Charles E)
Englewood, Colorado
§Developers' Insurance Company (Insco Dico Group)
§Hull & Company, Inc (Hull & Company, Inc)
§Jacques Chartier & Associates Insurance
Littleton, Colorado
§American Family Mutual Insurance Co Inc (American Family Mutual Insurance Co Inc)
§Jason K Juergens Insurance Agency
§Kaiser Foundation Health Plan Of Colorado (Kaiser Foundation Health Plan)
Fort Collins, Colorado
§B & B Family Insurance Llc
§America Family Insurance Allen Dye Agency
§Kevin Ross American Family Insurance
Pueblo, Colorado
§Eagle Ridge Insurance Services Company
§Centennial Insurance Agency Llc
§People's Centennial Insurance Company, Inc (Peoples Insurance)
Grand Junction, Colorado
§James Baker (James Baker Ins Agency)
§Equitable Life & Casualty (Equitable Life Assurance)
§Universal Loss Management (Ctc Aviation Lad)
Getting Temporary Health Insurance through COBRA
Another method of getting temporary health insurance without purchasing a new health insurance policy from a private health insurance company would be to elect COBRA or the Consolidated Omnibus Budget Reconciliation Act. This allows employees and their dependents to retain their group health insurance coverage for a certain period of time while looking for a new health insurance plan.
The employee needs to be enrolled in the company’s group health insurance with no less than 20 employees to be eligible for COBRA. And he needs to have had voluntarily or involuntarily lost his job. The employee is notified by his employers after his dismissal from the company whether he opts to retain his group health insurance coverage for him and his dependents. The dependents of the person with group health insurance can also elect COBRA if they are no longer qualified as dependents for reasons such as legal separation and individual employment.
The benefit of having to elect COBRA to retain his previous health insurance coverage over getting a new one is that the person will no longer be subjected to a refreshed pre-existing condition exclusion. People who were employed in a company with less than 20 employees can still retain their health insurance through State Continuation Coverage.
CoverColorado
CoverColorado is a high-risk pool program for people looking for a temporary health insurance plan in Colorado but who are denied of complete health insurance coverage due to a pre-existing condition. Getting health insurance through CoverColorado will provide coverage for physician and hospital care, prescription drugs, x-rays and diagnostics and even mental health care. For eligibility, cost, and other information, you can call them at 1-888-770-1120 during normal business hours, Mountain Standard Time.
Guide to Finding Short-Term Health Protection
There are several options for people in the state of Colorado looking for temporary health insurance. Private insurance companies offer temporary health insurance for as short as 30 days, and this can be extended and renewed as a regular-termed health insurance depending on the person’s needs. Most people who are looking for temporary group or individual health insurance are individuals who are in between jobs and who are waiting for a group insurance to provide them coverage.
Types and Coverage
Making comparisons and choosing which temporary health insurance plan to get starts with knowing what type of coverage you and your dependents need. The basic coverage of health insurance includes routine health examination, and doctor’s office visits and check-ups, medication, treatment, hospitalization and other medical procedures for illness and accident-caused injuries.
The type of health insurance is also something to think about. Just like a regular health insurance, temporary health insurance in Colorado can be acquired as indemnity or major medical, HMO, PPO or even point-of-service health insurance type.
Getting Temporary Health Insurance from Private Health Insurance Companies
Health insurance companies offer temporary health insurance for people who are waiting for a group health insurance to cover them. This ensures continuous health protection and has similar benefits and coverage to the other health insurance plan they offer. Temporary health insurance can be bought for as short as 30 days and can be extended as the need arises.
Temporary health insurance plans offered by private health insurance companies can be pretty expensive for people who need coverage for more than one person. And it can be more costly and complicated for people with pre-existing health conditions. Most health insurance policies have a pre-existing condition exclusion period wherein the cost of any medical service related to a pre-existing condition is not covered by the health insurance policy. This would commonly be around 18 to 36 months. And since temporary health insurance only runs for a short period of time, the insured may not get a complete coverage for all his medical needs.
Here’s a list of private health insurance companies in Colorado per state:
Denver, Colorado
§Kaiser Foundation Health Plan Of Colorado (Kaiser Foundation Health Plan)
§Pinnacol Assurance
§Cigna Healthcare Of Colorado Inc (Cigna)
§Van Gilder Insurance Corp
§Copic Insurance Company
Colorado Springs, Colorado
§Colorodo Springs Health Partners, Pc
§Co West Of Colorado Springs (Cowest Of Colorado Springs)
§Insurance Services Network Inc
§Kaiser Foundation Health Plan Of Colorado (Kaiser Foundation Health Plan)
§Mangum Insurance Agency Inc (Mangum, Charles E)
Englewood, Colorado
§Developers' Insurance Company (Insco Dico Group)
§Hull & Company, Inc (Hull & Company, Inc)
§Jacques Chartier & Associates Insurance
Littleton, Colorado
§American Family Mutual Insurance Co Inc (American Family Mutual Insurance Co Inc)
§Jason K Juergens Insurance Agency
§Kaiser Foundation Health Plan Of Colorado (Kaiser Foundation Health Plan)
Fort Collins, Colorado
§B & B Family Insurance Llc
§America Family Insurance Allen Dye Agency
§Kevin Ross American Family Insurance
Pueblo, Colorado
§Eagle Ridge Insurance Services Company
§Centennial Insurance Agency Llc
§People's Centennial Insurance Company, Inc (Peoples Insurance)
Grand Junction, Colorado
§James Baker (James Baker Ins Agency)
§Equitable Life & Casualty (Equitable Life Assurance)
§Universal Loss Management (Ctc Aviation Lad)
Getting Temporary Health Insurance through COBRA
Another method of getting temporary health insurance without purchasing a new health insurance policy from a private health insurance company would be to elect COBRA or the Consolidated Omnibus Budget Reconciliation Act. This allows employees and their dependents to retain their group health insurance coverage for a certain period of time while looking for a new health insurance plan.
The employee needs to be enrolled in the company’s group health insurance with no less than 20 employees to be eligible for COBRA. And he needs to have had voluntarily or involuntarily lost his job. The employee is notified by his employers after his dismissal from the company whether he opts to retain his group health insurance coverage for him and his dependents. The dependents of the person with group health insurance can also elect COBRA if they are no longer qualified as dependents for reasons such as legal separation and individual employment.
The benefit of having to elect COBRA to retain his previous health insurance coverage over getting a new one is that the person will no longer be subjected to a refreshed pre-existing condition exclusion. People who were employed in a company with less than 20 employees can still retain their health insurance through State Continuation Coverage.
CoverColorado
CoverColorado is a high-risk pool program for people looking for a temporary health insurance plan in Colorado but who are denied of complete health insurance coverage due to a pre-existing condition. Getting health insurance through CoverColorado will provide coverage for physician and hospital care, prescription drugs, x-rays and diagnostics and even mental health care. For eligibility, cost, and other information, you can call them at 1-888-770-1120 during normal business hours, Mountain Standard Time.
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