Affordable Health Insurance Plans in Denver, CO
It’s not altogether difficult to obtain access to health insurance coverage in Denver, Colorado. That’s especially true when you seek the help of HealthQuoteInfo, which offers 50 different health insurance packages for you to choose from.
Differentiating one health insurance plan from another is easy as well. All you need to do is enter your zip code on our search bar, and you will get a list of the health insurance plan that’s available for your location. You will also find the details involved in each policy so that you’re able to find the best one that suits your needs. These plans can be for individuals, families, and business groups. They’re from reputable carriers such as Tonik, Golden Rule, Anthem, Aetna, Cigna, and Humana.
The plans you need may be inaccessible from the private sector, but the state of Colorado offers other options that may better suit your circumstances. HealthQuoteInfo can also assist in helping you apply for these state health insurance programs and also determine the ones for which you qualify.
For those who can’t afford the premiums that come with the health insurance packages of the private sector, the alternatives are the Medicare and the Medicaid programs offered by Colorado. If you qualify for the programs, then you won’t have to pay the full bill for your medical expenses.
Just show your Medicaid card to participating doctors, and they will inform the state about the medical services they’ve provided for you. The state pays your bills, as long as the services are covered by the program. These services include hospital care and laboratory services, and can also include home health care and nursing home care. Even your transportation expenses may be covered, such as a ride in the ambulance.
Pregnant women and children under the age of 19 may be covered by the state’s Child Health Plan (CHP+) if they’re part of low-income families. There may be other eligibility requirements aside from falling below a certain income level. But if you do qualify, the premiums can go to as low as $25 a year. The coverage includes hospital and doctor services along with prescription medicine. Even dental and mental health services can be covered for these children and pregnant women.
Perhaps it’s not the cost of the premiums that has made you unable to obtain health insurance in the private market. It may be because you’re too much of a risk due to a preexisting medical condition. Under those circumstances, you may qualify for the high-risk pool program offered by the state. These can be available for you if you’re not qualified under Medicare and Medicaid requirements and you’ve been denied coverage due to your pre-existing condition.
Finally, there is the Colorado Indigent Care program. This is technically not a health insurance plan, but it helps to enable indigent Colorado residents to access better quality health care. This program reserves funds to help compensate healthcare providers for the costs of treating impoverished residents. The local clinics and hospitals can enroll poverty-stricken families in the CICP, and then the state will reimburse them for at least part of the costs of the healthcare services.