Best Health Insurance Agencies in Colorado Springs

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.
  

• Can you get short-term health insurance coverage in Colorado Springs?

  Yes, short-term health insurance is available in Colorado Springs. These short-term plans can be obtained through the federal health insurance marketplace or directly from insurance companies. If you are considering obtaining a short-term insurance plan, it is essential to consider various factors such as the premium costs, deductibles, co-payments, and any specific limitations or exclusions associated with the policy.

• Can you apply for Medicaid in Colorado Springs?

  To apply for Medicaid in Colorado Springs, you should be a resident of the state, a U.S. national, citizen, permanent resident, or legal alien, and in need of healthcare or insurance assistance. You must also fall into one of the following categories: pregnant, caring for a child under 18, blind, having a disability or having a disabled family member, or being at least 65 years old. In addition, your annual household income must not exceed the eligibility thresholds.

• Can you keep your health insurance plan if you change jobs in Colorado Springs?

  In Colorado Springs, you may be eligible for the Consolidated Omnibus Budget Reconciliation Act (COBRA), which allows employees who leave their jobs to keep their current health insurance plan for up to 18 months after leaving. However, COBRA does not provide new health insurance, which means you are responsible for paying the full cost of premiums because employers no longer subsidize premiums after job separation.

• Can you use your Medicaid health insurance outside of Colorado Springs?

  Most health insurance plans allow for coverage outside of Colorado Springs. However, Medicaid coverage usually cannot be carried over to different states because each state has its specific Medicaid eligibility rules. Additionally, you typically cannot use your Medicaid insurance unless you have an emergency medical situation when you are temporarily in another state.

• Who is eligible for the Child Health Plan Plus (CHP+) in Colorado Springs?

  Child Health Plan Plus (CHP+) in Colorado Springs provides low-cost health coverage for children and pregnant women. Eligibility criteria include children aged 18 and under, pregnant women aged 19 and over, individuals with household incomes below 260% of the Federal Poverty Level (FPL), Colorado residency, lawful residency status without a mandatory five-year waiting period, ineligibility for Health First Colorado, and a lack of other health insurance coverage.

• 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.