Shopping for health insurance in Colorado can be a breeze if you have no health issues and you request quotes from a reputable health insurance broker. But if you have been denied coverage or have special medical needs, finding the right plan may be a bit more complicated.
Most Colorado health insurance brokers recommend reading up on your consumer rights before you jump into any type of health insurance plan.
Your Consumer Rights and Privileges for Buying Colorado Health Insurance:
Under Colorado state law, you have the right to certain information about a health insurance plan before you buy it. Knowing these rights will help you avoid unpleasant surprises down the road.
You have the right to:
- Know what your health insurance plan will and will not cover
- Access to insurance coverage for state-mandated health benefits
- Contact your health insurance company to complain or file an appeal to their decisions about your coverage
- Receive a written explanation explaining why a health insurance company denied you coverage, or denied your application for a Colorado health plan
- Obtain a standard for showing a complete list of benefits for the sake of comparing one company’s coverage against another’s
- Prompt payment of your health insurance claims
- Coverage for emergency room care if you believe you are in danger of losing your life (or a limb.)
In addition to these rights, if you have been denied health insurance in Colorado because of a pre-existing condition, you may qualify for benefits under the Colorado Uninsurable Health Insurance Plan (CUHIP). This state-run program offers health insurance to Colorado residents who have been deemed “uninsurable” because of high risk health issues.
Remember, a smart consumer knows his or her rights before buying any health insurance product, but this is especially true when it comes to Colorado health insurance. If you are having difficulty finding an affordable health plan in Colorado, an experienced health insurance broker can help. Michael Horvat is a health insurance expert and broker with HealthQuotes.com in Colorado Springs, CO. If you are searching for Colorado health insurance plans or quotes, please give Michael a call anytime at 800-345-0789.
 
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