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Dependable, Colorado Health Insurance Plans... Free Quotes!
Health Insurance Tip #006:: Comprehensive Health Insurance vs. Scheduled Health Insurance
If you have comprehensive health insurance in Colorado, it is probably a “major medical” plan. These types of plans cover all Colorado state mandated services. In many instances your plan will pay 80% of all covered expenses after you meet your deductible. If you are lucky enough to have a 100% coinsurance plan, then you have smooth sailing ahead. Generally speaking a comprehensive major medical health insurance plan with a low deductible will have a very expensive premium. Policy limits on a plan such as this would most likely be 3 to 7 million lifetime maximum. Contact Morgan Moran for information regarding Colorado health insurance laws and available policies. (800) 554-9142
Scheduled health insurance plans or (limited benefit plans) are not meant to replace comprehensive major medical health insurance. They are basic policies that have internal limitations within the insurance contract. Recently these types of plans have taken the name of min-med plans. Be sure to check what benefits you are missing with a scheduled health insurance plan. In many instances you can find good major medical coverage for the same premium. Annual benefit maximums vary on the type of program you choose. Many carriers will give you a range of choices from $10,000 to $100,000 worth of coverage per year.
View our Colorado Health Insurance Directory || Today's Colorado Health Insurance News
Dependable, Colorado Health Insurance Plans... Free Quotes!
Health Insurance Tip #006:: Comprehensive Health Insurance vs. Scheduled Health Insurance
If you have comprehensive health insurance in Colorado, it is probably a “major medical” plan. These types of plans cover all Colorado state mandated services. In many instances your plan will pay 80% of all covered expenses after you meet your deductible. If you are lucky enough to have a 100% coinsurance plan, then you have smooth sailing ahead. Generally speaking a comprehensive major medical health insurance plan with a low deductible will have a very expensive premium. Policy limits on a plan such as this would most likely be 3 to 7 million lifetime maximum. Contact Morgan Moran for information regarding Colorado health insurance laws and available policies. (800) 554-9142
Scheduled health insurance plans or (limited benefit plans) are not meant to replace comprehensive major medical health insurance. They are basic policies that have internal limitations within the insurance contract. Recently these types of plans have taken the name of min-med plans. Be sure to check what benefits you are missing with a scheduled health insurance plan. In many instances you can find good major medical coverage for the same premium. Annual benefit maximums vary on the type of program you choose. Many carriers will give you a range of choices from $10,000 to $100,000 worth of coverage per year.
View our Colorado Health Insurance Directory || Today's Colorado Health Insurance News
Get Free Advice: Use our free health insurance broker service today. We have real people, who can quickly access your health insurance situation, and then recommend the best policy based on your needs. Just pick up the phone and call 800-554-9142, we can help you with your health insurance questions. We promise to get you the best rate on your Colorado health insurance policy.
Yes, It's Affordable:
Health insurance offers an affordable way to make unexpected expenses manageable while keeping your budget intact. Our Colorado health insurance plans have a small, predetermined monthly payments (called a premiums). These vary in cost, but we have several carriers and many policies to choose from. We do the hard part, you choose from the best plan. Call today for help.
Senior Health Insurance: ADVISORY:: Did you know that we have access to special senior care policies that enable you to live independently at home. Find out more from Morgan Moran (800) 554-9142 --
The Senior Health Insurance Assistance Program,
(CO) within the Colorado Division of Insurance,
helps people enrolled in Medicare with
questions about health insurance.
Topics addressed by the program include Medicare, Medicare sup plement insurance
(Medigap), Medicare HMOs, Medicaid assistance for people on Medicare,
and long-term care insurance. Contact the regional
community program by calling toll-free
1-888-696-7213.
