Health Insurance

How to find health insurance company to meet your needs

Health Insurance

There is no doubt that Colorado is one of the best places to live in the country. Even in the best of places, taking care of your own and your family’s health will be one of your top priorities. With all the changes in healthcare laws, there are more and more people who need to find a health insurance company on their own. At Aspen Gold Insurance Brokers, we understand how important it is to find a policy that will provide for all your healthcare needs.

So Many Health Insurance Company Choices

Do you have a spouse and/or children?  Do you use your insurance a lot, or just for yearly checkups? Do you need to see if certain items or procedures are covered?

Like with anything else, you don’t want to pay extra for coverage you don’t really need. You can choose options that will give you the protection you need at this time in life.

Dental and Vision

You can also either purchase plans for vision and dental care separately or add them to your primary health insurance. Dental insurance can help with checkups, cleanings, and emergencies, while vision insurance can help you with checkups, glasses and contact lenses. Be careful, though, because if you don’t purchase your vision and dental insurance together, you might have to wait for open enrollment at the end of the year to add those important coverages.

With so many choices and health insurance company choices, it can get pretty confusing. If you are in Colorado, we can help. At Aspen Gold Insurance Brokers, we do the work of getting the information so you can make an educated choice and find a policy that is best for you and your families needs. If you would like to get started on a new policy, call us today at 720-600-7470.

Do Employers Have to Provide Employer Health Insurance?

Health Insurance Marketplace

It’s no secret that employer health insurance in this country is a difficult subject. Not only are citizens required under law to have health insurance or face paying hefty fines come tax season, but healthcare itself is so expensive that the vast majority of people can’t afford care without at least some kind of insurance policy backing them up. Fortunately, there are a lot of employers out there in the Broomfield, CO region who offer health insurance to their employees, but are the ones that don’t comply with the law? The insurance experts at Aspen Gold Insurance Brokers have the answers you need.

Does My Place of Work Have to Legally Offer Me Employer Health Insurance 

The truth is that, no, employers are not required to provide their staff with health insurance under federal law, nor in the state of Colorado. This is understandably a bit dismaying, especially for full-time employees who already invest a lot of their time in their work. However, it is important to once again note that personal health insurance is still a requirement under federal law, and those who do not have it may be subject to paying expensive fines for the months they go without coverage (you must have coverage for at least one day of every month of the year). So, it’s important to have at least a minimum coverage policy to avoid this.

My Employer Doesn’t Offer Health Insurance. Now What? 

If you’re one of many workers out there in the Broomfield CO area whose employer does not provide health insurance, the experts at Aspen Gold Insurance Brokers are here to help. We work with a wide range of health insurance providers and will work with you to find the best options for your personal needs and budget. Contact us today to learn more.

How Does My Health Insurance Deductible Affect My Monthly Premium?

affordable health insurance

There can be some confusion when it comes to purchasing health insurance, which is why it is important to understand how your policy works. One commonly misunderstood issue is how health deductible affect my monthly premium of your insurance policy. Understanding this information can help you make a decision that works for your lifestyle and budget.

How Health Insurance Deductible Affect My Monthly Premium

Generally speaking, the higher your deductible, the lower your premium will be each month. When shopping for insurance, it is key to consider factors such as your overall health, age, and income. If you are chronically ill, have ongoing medical issues, or are over 50, then you may want to consider having a lower deductible. If you are hospitalized or you have frequent doctor visits, it can help prevent high out of pocket expenses before your insurance kicks in.

Get The Information You Need To Make A Good Decision

When you shop for health insurance, you should know approximately what your budget is, your need for healthcare, and your ability to meet the deductible. If you do business with a reputable insurance provider, they can help match you with a policy that meets your criteria and stays within your budget. A quality insurance company serving the residents in and around Broomfield, CO, is Aspen Gold Insurance Brokers. They have highly trained staff that can answer your questions and get you the coverage you need to have peace of mind.

Don’t risk going without health insurance coverage. A serious medical issue can possibly create devastating financial consequences. Aspen Gold Insurance Brokers looks forward to serving people who live in and around Broomfield, CO, and are ready to help you find insurance products that fit your life. Call or stop by today for more information and to speak to a representative.

Do Pre-Existing Conditions Affect the Cost of Your Health Insurance Premium?

health insurance for individuals

If you are looking to obtain health insurance, but have a pre-existing condition, you may wonder how this affects any new health insurance policy you obtain. At Aspen Gold Insurance Brokers, serving the greater Broomfield, CO area, we are often asked about pre-existing conditions. There is a lot of misinformation out there and a lot of changes that people may not be aware of. Here is some information you should know if you have pre-existing conditions and are looking to obtain health insurance. 

In the past, pre-existing conditions could cause you to get denied for health insurance or cause your premiums to be extremely high. However The Affordable Care Act, also referred to as ObamaCare, precluded this. You can no longer be charged more or denied coverage for any type of pre-existing condition, including pregnancy. 

While you cannot be charged more or denied health insurance based on pre-existing conditions, it is important to note that you still need to enroll in health insurance during the open enrollment period. An existing health issue is not a qualifying event for which you can qualify to obtain health insurance in the health insurance marketplace if you do not currently have health insurance. As such, be sure to enroll during the open enrollment period to ensure you are covered against both pre-existing conditions and conditions that may arise over the course of the next year. 

Getting health insurance can be complicated. If you are in the market for a new policy, let a professional who knows the ins and outs of health insurance policies help. Call Aspen Gold Insurance Brokers, serving the greater Broomfield, CO area, help you with all of your health insurance needs. Contact us now to get started.

Read more blogs on health insurance from Aspen Gold Insurance Brokers.