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Frequently Asked Questions
FAQ's
- How long does it take to get health insurance?
It depends upon what type of health insurance plan you purchase:
A.) Group Health Insurance on groups of 2 to 50 employees offer instant coverage on the 1st of the next month. Business groups of one offer the same coverage dates provided they apply on their birthday to 30 days after or they are at their 1st year anniversary of their new business.
B.) Individual Health Insurance is medically underwritten and is not guaranteed issue in Colorado. The process can take as little as two weeks if you are extremely healthy and much longer if you are unhealthy and the insurance carrier has to get medical records. The average time is normally from 4 to 6 weeks.
Remember never cancel your current coverage until you have an offer in writing from an insurance carrier and it meets all your needs! You can get individual short term health insurance the next day if you are healthy. Appy here for Instant Coverage
- What are your hours of operation?
We are open Monday through Thursday 8:30 till 5:00 and Fridays until 4:00 p.m. we can arrange special times by appointment only. Our web site has instant quote access 24-7. Apply now!
- How much Life Insurance do I really need?
This is a very personal decision that is different for each person. Some people may require large amounts of life insurance while the next person may not need any. Many insurance professionals and even Ann Landers have come up with a "rule of thumb" measure for the amount an average person needs for life insurance. They have determined the amount of life insurance you should own is five times your annual salary. We will be happy to design a plan that is just right for you. We have a life insurance calculator on our site to give you ideas on how much life insurance you need. Life insurance answers
- With all this expert service you give how do you get paid?
We get paid directly by the insurance carriers of the products that you choose. It is the same cost to you if you use our excellent quality customer service or if you went direct to the insurance carrier and used their voice mail services. We can be your agent of record if you do not like the service or lack of service your current agent is providing you. All at no extra cost.
- Do I need Disability Insurance? Do you need to receive income
on a regular basis?
If your answer was yes, what would happen if you are injured or have an illness and cannot work? Disability insurance would solve your problem. At many ages the odds are greater (about one in three) of you becoming disabled than of dying. Disability insurance is affordable! Disability insurance answers
- Will you meet with us in person?
Yes. Our office is open 8:30 till 5 pm Monday through Thursday and until 4 pm on Fridays. Appointments are recommended but walk ins are always welcome!
- When are the cut off dates to make my insurance effective
for the next month?
Group Insurance the cut off dates are usually the 10th of the month to become effective for the following month. Business groups of one the cut off dates are usually the 1st of the month to become effective for the following month. Individual insurance usually three weeks before the end of the month.
- What tax forms do I need to prove that I am a business to
get group insurance?
Proof of Business forms needed
- Why do I need to plan for my retirement, won't the government
or my company take care of me when I am older?
The short answer is No. You need to plan for yourself. Every day you postpone your retirement planning can have huge long lasting impact on your financial stability in the future. Just do it! Make the call to us so we can show you a very painless and easy way to start.
- How do I add a dependent?
Fax, mail or email us an application change form with required
documentation and we'll forward it to the carrier.
- What if I get declined on individual health coverage?
We will work with you and make calls to various insurance carriers to see if we can get you coverage elsewhere or give you the phone number to cover Colorado.
- What's considered a Pre-existing condition?
A Pre-existing condition is a condition that you are currently taking any medications for or have taken over the last few years. Also a pre-existing condition is something you are currently seeing a doctor for have seen a doctor for over the last few years or know you should be seeing a doctor for.
- Where are you located?
We are conveniently located in the Denver Tech Center area (See map) and serve our clients all over Colorado. In Colorado it is important to do business only with a Colorado insurance agent because of the many complex insurance laws that are specific to the state of Colorado.
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below for: Roper Individual Health Insurance Services |
 South Metro Denver Chamber of Commerce |
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