The Colorado health insurance marketplace can be difficult to navigate. If you’re looking for health insurance on your own, you may be wondering, “Where can I find the right health plan for me? Where can I turn if I am denied health coverage? What are my rights as a consumer in Colorado?”
To help answer those questions, we have researched and compiled important information regarding Colorado health insurance. By taking the following tips into consideration, you’ll be able make a more educated health insurance purchase.
Things to Remember When Shopping for Health Insurance
Colorado health insurance consumers should follow the following recommendations when purchasing health insurance:
- Read the insurance policy and contact the insurance company or insurance agent if you have any questions.
- Make sure you review the section of your health insurance policy entitled “exclusions and limitations.”
- Find out how rates will increase as you age, and how often an insurance company can increase rates.
- If you are looking for a managed-care plan, check the provider’s directory to make sure there are suitable doctors, hospitals and other health care providers available.
- Find out if there are any “health plan report cards” available that assess consumer satisfaction/quality of care with various health insurance plans.
- Call the insurer’s customer service number to see how quickly you are able to get help.
- If you have special needs or preexisting conditions, make sure you contact a doctor or support organization for health insurance recommendations.
Colorado Health Insurance Subscriber’s Rights
Colorado health insurance consumers have certain rights through Colorado state law. Regardless of the type of health insurance coverage you hold, you have a right to:
- Insurance coverage for certain mandated benefits
- Know what your health insurance plan does and does not cover
- Contact your insurer to complain or appeal any decisions with which you disagree
- Receive a standard form outlining health insurance benefits for comparison between companies and health plans
- A written explanation of why an insurance company denies your health insurance application, or excludes a health condition from insurance coverage
- Coverage of emergency room care, if you believe you are facing a life- or limb-threatening injury (even if it turns out you were not)
- Prompt payment of claims
What to Do If You Are Denied Health Insurance Coverage
If you have been denied health insurance coverage in the state of Colorado due to preexisting medical conditions, you may qualify for the Colorado Uninsurable Health Insurance Plan (CUHIP). CUHIP gives uninsurable Colorado residents the ability to be insured through the state-subsidized CUHIP program. However, due to the higher risk levels of CUHIP patients, CUHIP subscribers pay about 30 percent more for health insurance than most healthy people. If you are uninsurable due to a preexisting health condition, you may contact the CUHIP administrator at 1-800-672-8477 for more information.
Remember to Shop Around
Health insurance plans can vary widely in both price and coverage. Make sure you take the time to shop around, ask questions and learn as much as you can about potential health insurance policies.