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Individual Health Insurance
Individual health insurance is for individuals and families who don’t have group insurance with their employers. This includes people who are self-employed, just out of college and looking for a job, people in-between jobs, and others who don’t have employer-sponsored health insurance.
Short Term Insurance
Short-term health insurance plans provide you with coverage for a limited period of time, and may be an ideal solution for those between jobs or those waiting for the next Open Enrollment Period. Typically, short-term plans offer coverage up to six months, although some plans may offer coverage up to 12 months.
Medicare Supplements and Advantage
A Medicare supplement (Medigap) insurance can help pay some of the health care costs that Original Medicare doesn’t cover, like co-payments, coinsurance, and deductibles. Some Medigap policies also offer coverage for services that Original Medicare doesn’t cover. If you have Original Medicare and you buy a Medigap policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs. Then your Medigap policy pays its share.
Medicare Advantage plans are less expensive that a traditional Medicare Supplement or Medigap plans and have co-payments for hospital and physician visits. Medicare Advantage plans also include prescription drug coverage. In Northern Colorado, Medicare Advantage plans are offered by United, Humana, Rocky Mountain Health Plans and Kaiser.
Typically, life insurance is chosen based on the needs and goals of the owner. Term life insurance generally provides protection for a set period of time, while permanent insurance, such as whole and universal life, provides lifetime coverage. It’s important to note that death benefits from all types of life insurance are generally income tax-free.
Group Health Insurance
Group health insurance coverage is a policy that is purchased by an employer and is offered to eligible employees of the company (and often to the employees’ family members) as a benefit of working for that company. A group health insurance plan is a key component of many employee benefits packages that employers provide for employees. The majority of Americans have group health insurance coverage through their employer or the employer of a family member. One of the advantages for employees in a group health plan is the contribution most employers make toward the cost of the health coverage premium—in many cases, employers pay one-half or more of the monthly premium for an employee.