Best Health Insurance Agencies in Aurora

Frequently Asked Questions

• Introduction

  If you're looking for health insurance for yourself or your family, an agent can help you save time, understand your options, and manage your costs. Insurance agents must be licensed in the state where they operate. They can provide information about on- and off-exchange plans to help you weigh all of your options, and they can see if you qualify for tax credits that can lower your monthly premiums. There's no cost to work with an agent, and they can help you save quite a bit by recommending the best plan for your needs. Here's what you should know before you get started.
  

• Who can purchase temporary or short-term health insurance in Aurora?

  Temporary or short-term health insurance in Aurora can be purchased by individuals who have seasonal work positions, recent graduates looking for a job, and those waiting to obtain benefits from their current employer. This type of health insurance can cover policyholders' prescription drug costs and hospital visit expenses.

• Can individuals with pre-existing conditions acquire health insurance in Aurora?

  Yes, through the Health Insurance Portability and Accountability Act, individuals with pre-existing conditions like cancer, diabetes, or heart failure can still acquire health insurance in Aurora. Pre-existing condition exclusion periods are not affected by prior health insurance coverage if individuals have maintained continuous coverage for at least 63 days without a break.

• Who is eligible for Medicare Supplement coverage in Aurora?

  In Aurora, individuals who are enrolled in Medicare Part A and B are eligible for Medicare Supplement coverage. They are not qualified to have a Medicare Supplement plan if they do not have Original Medicare Part A and B. Consumers 65 years old and up are also eligible for Medicare Supplement coverage.

• When can residents in Aurora apply for Affordable Care Act health insurance plans?

  Aurora residents can apply for Affordable Care Act health insurance plans during the annual Open Enrollment Period, which is typically from November 1 to December 15 every year. Moreover, the Colorado government opens a Special Enrollment Period for individuals experiencing major life changes like getting married, relocating to a new place, or having a child.

• Is it worth acquiring prescription insurance in Aurora?

  It is worth acquiring prescription insurance in Aurora, especially for individuals suffering from illnesses or diseases. This type of insurance can help policyholders avoid expensive out-of-pocket expenses. Prescription insurance typically covers any specialized medications and reduces the cost of patients' medications. It also lowers co-pay medical expenses.

• How can you find affordable health insurance? 

  Affordable insurance is available through employers, Medicare, Medicaid, and the federal Health Insurance Marketplace, which offers subsidies in the form of tax credits. You can also purchase coverage through private insurance companies and independent agents. Nearly half of all Americans have employer-sponsored health insurance, and about 10% of the population is uninsured.