Health Plans

Health plans for employers include both fully-insured and self-funded options. We provide complete knock-your-socks off service with all aspects of benefits planning and administration, after plan analysis and selection: As your employee benefits advisor, we offer:

personalized enrollment
individual counseling
web-based email and benefits support for you and your employees
COBRA and state continuation compliance

...and many other benefits and services. In spite of a shrinking carrier market in Colorado, employers are still able to make choices based on the needs of their employees. Group rates are high, though, making it difficult for many employers to offer affordable group coverage. New plan designs are available that do provide some genuine rate relief. If you have not quoted other carriers in the small group market, you may be surprised. You do have options with 7 or more employees. Health Savings Accounts and Health Reimbursement Arrangements are available now, proving to be a relief for small employers looking for premium savings. Small group partial-self funding may be available to the small group employer as an alternative, though not without complexities of their own that make them not altogether suitable for many companies.

Many employers who have so-called "group association plans", or individual plans marketed at their place of work, need to know that individual plans do not provide important benefits, such as preventive care and maternity, or other mandated group benefits. This could open the employer to civil liabilities, especially since individual plans sponsored or paid for with employer dollars do not qualify as group coverage in Colorado, leaving the employer liable for expensive claims.

Group fully-insured, partially self-funded and fully self-insured plans available in Colorado include HMO, POS, Open Access, EPO, and PPO plans. Indemnity plans are available, as well as state-mandated Basic and Standard Indemnity, PPO, and HMO plans, down to one employee groups. Features include a variety of office copays, deductibles, inpatient per-admission copays, stop loss and other features. Some plans require life insurance coverage, while others do not. Some plans offer options, such as dental, vision, and additional life, as well as short and long term disability (generally, it is cheaper to shop these coverage's outside of the core medical product).

For more information, please review:

Need a qualified advisor? Use our Broker of Record Letter to select us as your group representative. Print and fax to our office at 303-422.1697

Interested in what we can offer? Order a quote. Need a proposal for more than 50 employees?