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FAQ's
- How
long does it take to get health insurance?
It depends upon what type of health insurance plan
you purchase:
A.) Group Health Insurance on groups
of 2 to 50 employees offer instant coverage on the
1st of the next month. Business groups of one offer
the same coverage dates provided they apply on their
birthday to 30 days after or they are at their 1st
year anniversary of their new business.
B.) Individual Health Insurance is
medically underwritten and is not guaranteed issue
in Colorado. The process can take as little as two
weeks if you are extremely healthy and much longer
if you are unhealthy and the insurance carrier has
to get medical records. The average time is normally
from 4 to 6 weeks.
Remember never cancel your current coverage
until you have an offer in writing from an insurance
carrier and it meets all your needs! You
can get individual short term health insurance the
next day if you are healthy. Appy
here for Instant Coverage
- What
are your hours of operation?
We are open Monday through Thursday 8:30 till 5:00
and Fridays until 4:00 p.m. we can arrange special
times by appointment only. Our web site has instant
quote access 24-7. Apply
now!
- How
much Life Insurance do I really need?
This is a very personal decision that is different
for each person. Some people may require large amounts
of life insurance while the next person may not need
any. Many insurance professionals and even Ann Landers
have come up with a "rule of thumb" measure
for the amount an average person needs for life insurance.
They have determined the amount of life insurance
you should own is five times your annual salary. We
will be happy to design a plan that is just right
for you. We have a life insurance calculator on our
site to give you ideas on how much life insurance
you need. Life
insurance answers
- With
all this expert service you give how do you get paid?
We get paid directly by the insurance carriers of
the products that you choose. It is the same cost
to you if you use our excellent quality customer service
or if you went direct to the insurance carrier and
used their voice mail services. We can be your agent
of record if you do not like the service or lack of
service your current agent is providing you. All at
no extra cost.
- Do
I need Disability Insurance? Do you need to receive
income on a regular basis?
If your answer was yes, what would happen if you are
injured or have an illness and cannot work? Disability
insurance would solve your problem. At many ages the
odds are greater (about one in three) of you becoming
disabled than of dying. Disability insurance is affordable!
Disability
insuance answers
- Will
you meet with us in person?
Yes. Our office is open 8:30 till 5 pm Monday through
Thursday and until 4 pm on Fridays. Appointments are
recommended but walk ins are always welcome!
- When
are the cut off dates to make my insurance effective
for the next month?
Group Insurance the cut off dates are usually the
10th of the month to become effective for the following
month. Business groups of one the cut off dates are
usually the 1st of the month to become effective for
the following month. Individual insurance usually
three weeks before the end of the month.
- What
tax forms do I need to prove that I am a business
to get group insurance?
Proof of Business
forms needed
- Why
do I need to plan for my retirement, won't the government
or my company take care of me when I am older?
The short answer is No. You need to plan for yourself.
Every day you postpone your retirement planning can
have huge long lasting impact on your financial stability
in the future. Just do it! Make the call to us so
we can show you a very painless and easy way to start.
- How
do I add a dependent?
Fax, mail or email us an application change form with
required
documentation and we'll forward it to the carrier.
- What
if I get declined on individual health coverage?
We will work with you and make calls to various insurance
carriers to see if we can get you coverage elsewhere
or give you the phone number to cover Colorado.
- What's
considered a Pre-existing condition?
A Pre-existing condition is a condition that you are
currently taking any medications for or have taken
over the last few years. Also a pre-existing condition
is something you are currently seeing a doctor for
have seen a doctor for over the last few years or
know you should be seeing a doctor for.
- Where
are you located?
We are conveniently located in the Denver Tech Center
area (See map) and serve our clients all over Colorado.
In Colorado it is important to do business only with
a Colorado insurance agent because of the many complex
insurance laws that are specific to the state of Colorado.
If
you have any other questions please call at at
303-721-1145 or e-mail us.
We are in the office 8:30am to 5:00 pm Monday-Thursday,
8:30-4:00 pm Friday, mountain time
Call Health Insurance Colorado at 303-721-1145
and Experience the Difference. You
will love our service-guaranteed! Click
Here to link to our site.
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2003 Health Insurance Colorado-
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