Colorado Health Insurance
Updated June 08, 2015.
Colorado Division of Insurance
The Colorado Division of Insurance is responsible for regulating all types of insurance sold in the state of Colorado - including health insurance policies.
If you are looking for health insurance coverage, they have lists of insurance agents and insurance companies licensed to do business in Colorado. Go here to find out if your insurance company or agent is licensed in Colorado.
If you are having trouble resolving a claims dispute with your insurer, you can file a complaint with the Insurance Department. An online complaint form can be found here.
U.S. Department of Labor
If you get your insurance through your job, your plan is also regulated by the U.S. Department of Labor's Employee Benefits Security Administration (EBSA). They make and enforce the rules that your employer must follow when offering health insurance coverage to employees - for example, your employer cannot single out an individual employee to exclude her from the plan because she (or one of her dependents) has a costly illness. Also, if there are 20 or more employees at your job, you should be offered COBRA continuation coverage when you leave your job. The EBSA works to make sure that all of this happens and your rights are protected.
If you have concerns about your employer's practices in administering your job-based health coverage - for example, if you think you should have been offered COBRA continuation coverage, but were not, or if you feel that you were wrongly terminated from your health plan - contact your regional EBSA office.
CoverColorado
CoverColorado offers coverage to individuals who have been rejected for individual policies because of preexisting health conditions. For more details on CoverColorado eligibility requirements, contact CoverColorado by phone or visit their website.
Buying Individual Policies in Colorado
Unfortunately, Colorado law allows insurers offering individual policies to reject applicants for having preexisting medical conditions. CoverColorado is required to accept applicants with preexisting medical conditions, as well as "HIPAA-eligible" individuals. "HIPAA-eligible" individuals are those who have left group health coverage AND fully exhausted all COBRA or state continuation coverage for which they are eligible.
Colorado Child Health Plan Plus (CHP+) - the state Children's Health Insurance Program
CHP+ provides health insurance coverage for children age 18 and under and pregnant women whose family meets certain income guidelines.Premiums are quite reasonable - as low as $25/year.
Colorado Senior Health Insurance Assistance Program (SHIP)
The Colorado Senior Health Insurance Assistance Program provides free one-on-one counseling for Medicare beneficiaries with questions about any aspect of Medicare, including the new Part D prescription drug benefit, or Medigap coverage.
Colorado Medicaid
Medicaid is a government program designed to help the poor and indigent obtain health care services. Pregnant women and children under age 19 who meet certain income requirements may be eligible for Medicaid coverage, along with aged, blind, and disabled individuals. For more information about eligibility, visit the Colorado Medicaid Eligibility site..
Colorado Division of Insurance
The Colorado Division of Insurance is responsible for regulating all types of insurance sold in the state of Colorado - including health insurance policies.
If you are looking for health insurance coverage, they have lists of insurance agents and insurance companies licensed to do business in Colorado. Go here to find out if your insurance company or agent is licensed in Colorado.
If you are having trouble resolving a claims dispute with your insurer, you can file a complaint with the Insurance Department. An online complaint form can be found here.
Colorado Division of Insurance
1560 Broadway, Suite 850
Denver, CO 80202
Phone: 303.894.7499 OR 800.930.3745
http://www.dora.state.co.us/insurance/
U.S. Department of Labor
If you get your insurance through your job, your plan is also regulated by the U.S. Department of Labor's Employee Benefits Security Administration (EBSA). They make and enforce the rules that your employer must follow when offering health insurance coverage to employees - for example, your employer cannot single out an individual employee to exclude her from the plan because she (or one of her dependents) has a costly illness. Also, if there are 20 or more employees at your job, you should be offered COBRA continuation coverage when you leave your job. The EBSA works to make sure that all of this happens and your rights are protected.
If you have concerns about your employer's practices in administering your job-based health coverage - for example, if you think you should have been offered COBRA continuation coverage, but were not, or if you feel that you were wrongly terminated from your health plan - contact your regional EBSA office.
U.S. Department of Labor Employee Benefits Security Administration
Kansas City Regional Office
1100 Main Street, Suite 1200
Kansas City, MO 64105-5148
Steve Eischen - Director
Tel 816.426.5131
Fax 816.426.5511
http://www.dol.gov/ebsa/
CoverColorado
CoverColorado offers coverage to individuals who have been rejected for individual policies because of preexisting health conditions. For more details on CoverColorado eligibility requirements, contact CoverColorado by phone or visit their website.
CoverColorado
425 S. Cherry St. Suite 160
Glendale, CO 80246
Phone: 877.461.3811
http://www.covercolorado.org/Pages/default.aspx
Buying Individual Policies in Colorado
Unfortunately, Colorado law allows insurers offering individual policies to reject applicants for having preexisting medical conditions. CoverColorado is required to accept applicants with preexisting medical conditions, as well as "HIPAA-eligible" individuals. "HIPAA-eligible" individuals are those who have left group health coverage AND fully exhausted all COBRA or state continuation coverage for which they are eligible.
Colorado Child Health Plan Plus (CHP+) - the state Children's Health Insurance Program
CHP+ provides health insurance coverage for children age 18 and under and pregnant women whose family meets certain income guidelines.Premiums are quite reasonable - as low as $25/year.
CHP+
P.O. Box 929
Denver, CO 80201-0929
Phone: 800.359.1991
http://www.cchp.org/
Colorado Senior Health Insurance Assistance Program (SHIP)
The Colorado Senior Health Insurance Assistance Program provides free one-on-one counseling for Medicare beneficiaries with questions about any aspect of Medicare, including the new Part D prescription drug benefit, or Medigap coverage.
Colorado Senior Health Insurance Assistance Program
Phone: 888.696.7213
http://www.dora.state.co.us/insurance/senior/senior.htm
Colorado Medicaid
Medicaid is a government program designed to help the poor and indigent obtain health care services. Pregnant women and children under age 19 who meet certain income requirements may be eligible for Medicaid coverage, along with aged, blind, and disabled individuals. For more information about eligibility, visit the Colorado Medicaid Eligibility site..
Colorado Department of Health Care Policy and Financing
1570 Grant Street
Denver, CO 80203
http://www.chcpf.state.co.us/
