I’m not currently insured

Not-insured1Beginning on January 1, 2014, all US citizens and legal residents will be required to carry minimal essential healthcare coverage for themselves and their dependents. If you don’t currently have health insurance, start by asking your employer if they plan to offer health insurance, or if there will be changes to the health insurance they currently offer, starting in January. You can also purchase a plan directly from an insurance company or through Colorado’s health insurance exchange (marketplace), Connect for Colorado Health.

If you don’t feel you can afford to buy insurance, you may have options – but it pays to be prepared! Give us a call today to understand your options. 303-667-7123.

Beginning in October 2013, you will be able to compare health plans, their benefits, premiums and quality from different companies through Connect for Colorado Health. You can choose medical plans with dental benefits, or purchase a dental plan separately, and sort and filter plans based on your preferred doctor, insurance carrier, out-of-pocket expenses and premium. You will also be able to apply for financial assistance that you can use right away to reduce the cost of monthly payments and out-of-pocket expenses.

If you are currently uninsured because of health problems that have prevented you from obtaining health insurance, this will change in 2014. Health care reform law requires insurance companies to accept everyone regardless of pre-existing conditions. In addition, insurance companies are not allowed to put dollar limits on the amount of care you receive. So, if you need a lot of health care treatment, your coverage will not run out.