Three Easy Ways to get health insurance

Individual and family health insurance quote

Contact our health insurance consultants for free

Request a personalized individual and family quote

Individual health insurance process

Obtain your free health insurance quote

Your broker should be able to give you a quote listing rates for several insurance companies. Comprehensive quotes like this will save you hours trying to obtain this information on your own. Every service from your broker should be free.

submit application to insurance company

Complete application includes: Completed health insurance application
Health questionnaire
First months insurance premium

Medical underwriting

approximately 2 to 6 weeks

Approval with policy

At approval you receive you policy, rates, and insurance cards

Continuous Service

Throughout the year you may encounter billing or claims issues. A good insurance broker will take care of these issues for you.

Can I purchase health insurance for just my child/children without having to purchase health insurance on me?

Yes! You can purchase health insurance for just one or more children. Some carriers will allow you to purchase one policy for all your children. The youngest child is the primary policy holder, and all the other children will receive a dependent child rate. Other carriers will require you purchase a separate policy for each child. Please call us for help in determining the best carrier for your situation.

How soon can I have health insurance coverage?

The date you can start coverage depends on the health insurance carrier you have chosen. For example, Anthem (Blue Cross/Blue Shield) allows you to have coverage within 24 hours of submitting your application (assuming that your application is approved). While the underwriting process generally takes a few weeks and you may not know whether you have coverage during that time, if you are approved the carrier will provide coverage to the date you requested and pay any claims incurred within that time.

Am I guaranteed coverage on an individual/family plan?

All individual plans require underwriting. The application includes questions about your health conditions over the last 5-10 years. Some carriers will compare the information you provide with an insurance database to see if any other carriers have reported any claims you may not have disclosed. With some conditions, the carrier may request additional records from your doctor before making a decision on your application. The underwriter has the option of accepting or declining your application or putting riders on certain conditions. If you have any pre-existing conditions, please call Roper Insurance at (303) 721-1145 so we can help you find the carrier most favorable for your conditions. If you have your own business, we may be able to arrange a group plan for you with guaranteed coverage.

Do individual and family plans provide maternity coverage?

As a general rule, individual and family plans do not cover maternity. There is currently one plan available and a few other plans with maternity riders. By Colorado law, all plans must cover any complications of pregnancy, but not prenatal care or a routine delivery.

How much can I contribute to an HSA?

The maximum contribution is the lesser of the deductible amount under the High Deductible Health Plan (HDHP) or (for 2006) $2,700 for individuals or $5,450 for family coverage. These dollar limits will be adjusted for inflation each year and are based on a full year of participation in an HDHP.