Colorado Health Insurance Quotes

Colorado was ranked as the 13th healthiest state to live in during 2010, although this is down from their ranking as number 8 for 2009. Colorado is also said to have the lowest rate of obesity in the entire nation, at just under 19% of the overall population of the state. They are also ranked amongst the top five states for their low death rates due to cardiovascular disease and cancer, with a total of 229 and 167 deaths, respectively, per 100,000 members of the population.

However, the health of the residents of Colorado isn’t all good news. There was a significant decrease in the number of infants aged between 19 months and 35 months who received immunization coverage. In this category, Colorado actually dropped from 13th place to 48th place in the space of a year. Colorado also has a relatively high percentage of the population who are uninsured. Currently, 15.6% of the adult population and 18.2% of the population under 18 years of age have no health insurance.

With that said, health insurance quotes in Colorado are actually fairly affordable when compared with the remainder of the country. Colorado health insurance companies are required to follow certain guidelines, and they are one of the US states where all health insurance policies are guaranteed renewable, which means that coverage cannot be cancelled if the policyholder becomes ill or injured.

All Colorado health insurance plans must cover certain medical services and screenings, such as:

  • Screening for breast cancer and prostrate cancer
  • Continuity of care for pregnant women
  • Treatment for certain diabetes-related conditions
  • Vaccinations for children

Colorado health insurance companies also offer “mental health parity”. This is where a health insurance company must offer equal coverage limits and maximums for both mental health and physical health conditions. Another benefit of health insurance in Colorado is that the residents are provided with protection under the federal law HIPAA, and indeed continuation of a group health insurance plan from a former employer under COBRA.

Colorado residents can additionally receive public assistance to obtain health insurance coverage. Some of the programs include:

Medicaid in Colorado can offer low-income or disabled residents full health care coverage. In order to apply and enrol, residents must apply through their County Social Services office.

CoverColorado is a high risk pool that may be able to offer health insurance to residents who have otherwise been denied coverage due to a pre-existing medical condition.

Women’s Wellness Connection (WWC)
The WWC program is specifically aimed at low-income women and can provide them with full health care coverage through Medicaid if they are diagnosed with either breast or cervical cancer. This program is actually available in a number of US states and is part of the Breast and Cervical Cancer Early Detection Program.

Child Health Plan Plus (CHP+)
This program offers health coverage for children from low-income families who would not otherwise qualify for Medicaid.

Colorado Medicare
This program offers seniors, who are eligible for Medicare, a way to find health insurance through Medicare Advantage, Supplement and Original Medicare.

The most popular health insurance providers to obtain a quote from in Colorado include: Aetna, Anthem, Blue Cross, Blue Shield, CIGNA, Celtic Ins. Co., Companion Life Insurance Company, Golden Rule, Humana, Kaiser Permanente, and Rocky Mountain Health Plans.

The easiest way to obtain a quote in Colorado is by visiting an online insurer, such as the website of one of the companies above, an online insurance brokerage or an intermediary insurance company. Online insurance providers will typically offer consumers a less time consuming way to get their quotes, and often online companies can offer cheaper quotes than their brick-and-mortar counterparts. This is generally because they have less expenses and overheads to worry about.

In order to obtain a quote for health insurance a consumer will need to provide some personal information. Firstly, their basic information such as name, address and phone number. Secondly, details about the applicant’s health status. An insurance provider will want to know whether a customer is a smoker, a heavy drinker, and also what their occupation is. It is these specific questions that allow an insurance company to build a picture of an applicant’s lifestyle, and whether they are considered a high risk for health insurance purposes.

Next, a customer will need to provide details of their own and their family’s medical history. This will help an insurance company to determine whether a specific individual is at a higher risk of developing a chronic or hereditary medical condition. The information will need to be reviewed by an underwriter, and they will then either approve or decline an applicant.

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