Best Health Insurance Agencies in Highlands Ranch, CO

Highlands Ranch, CO Health Insurance FAQs

• Is there a waiting period for individuals with pre-existing conditions in Highlands Ranch?

  There is no longer a waiting period for individuals with pre-existing conditions in Highlands Ranch. According to the Affordable Care Act, insurance carriers can no longer impose premium hikes or waiting periods and reject applications from policyholders with pre-existing conditions, except in cases where elective cosmetic surgeries are needed and deemed not medically necessary.

• Can you file an appeal if your health insurance claim was denied in Highlands Ranch?

  Yes. Highlands Ranch health insurance providers allow appeals for denied claims. You should review the determination letter and compile your supporting documents before you submit them to your insurance carrier. Track the name of the agent you speak with, the date and time of your call, the confirmation number for your call, and a brief summary of your conversation concerning your appeal.

• If you lose your job, do you still have coverage from your employer in Highlands Ranch?

  Yes. You will still have continued health insurance coverage from your employer's group plan in Highlands Ranch. According to COBRA legislation, employees can keep their health insurance for up to 36 months after leaving the employer. However, if your employer is considered a small company with 20 or fewer people employed, this law does not apply.

• Is your Health Savings Account tax-free in Highlands Ranch?

  Yes, your Health Savings Account is tax-free in Highlands Ranch. You may deposit funds into this account to cover health-related expenses, including deductibles and out-of-pocket costs. Both you and your employer are permitted to contribute tax-free funds to this account, which can be carried over to the following year.

• Are you still covered under Medicaid if you are convicted and incarcerated in Highlands Ranch?

  If you are incarcerated for more than 30 days due to a conviction in Highlands Ranch, you may lose your health insurance coverage, such as Health First Colorado. However, you may still sign up for a health insurance policy while in jail, and coverage will commence once you are released.