Under 65 and looking for health care?
Plan choices
Medical Cost Sharing - Alternative Solution
Looking for an alternative to traditional health insurance? Medical cost-sharing plans might be the solution. These plans allow members to share medical expenses within a community, providing an affordable option for covering your healthcare needs. By joining a medical cost-sharing program, you can enjoy flexibility, lower costs, and the peace of mind that comes with being part of a supportive network.
Medical Cost Sharing is about Flexibility, Freedom, and Control. Medical Cost Sharing is not Insurance, but rather, individuals sharing in large medical expenses, if ever necessary. This ioption is for Health-Conscious Individuals who rarely see a doctor but need protection for a large medical expense. With Medical Cost Sharing, you have the ability to see any doctor across the country as a self-pay patient. In order to keep cost low, we do not share in pre-existing conditions or substance abuse.
Medical Cost Sharing is generally half the cost of insurance. Some plans include Annual Wellnesss Exams, Health Savings Account availablity, 24 X 7 Virtual Primary Care at no additional cost, and more. However,
in the event you can qualify for a insurance tax subsidy, or if you have a pre-existing condition, this may not be the right solution for you. Feel free to reach out to us, to determine, if this may be a fit, however, keep in mind, THIS IS NOT INSURANCE.
Individual Health Insurance
So, is it all confusing? Of course it is! But we are here to help! First, there is no longer a tax penalty for not having health insurance. Second, pre-existing conditions are covered and will continue to be covered. Annual wellness exams are covered at 100% visits, once per year, or as required, for adults and children.
If you are under 65 and in need of health insurance or need financial assistance, you can apply at Connect for Health Colorado, at this Link. We are happy to assist in finding the right plan. We will work with you to find doctors, medications, and try and work within your budget. Be sure to select Andrea Hinman or Alyssa Burgos when your are asked, GET ASSISTANCE. We will then be able to view plans and guide you to the plan that best fits you needs.
When can you enroll? Enrollment happens once per year, November 1st - December 15th, for a start date January 1st of the following year. You may also be able to apply December 15th - January 15th, for a February 1st start date. However, if you have not enrolled during these windows of time, you can only get insurance if there is a qualifying event, such as, loss of prior coverage, a move, a marriage or a divorce. If you do fall into one of these areas, you only have 60 DAYS to get new coverage! S