Insurance Maze Blog

May 19

Colorado Health Insurance - “Cover Colorado”

Category: Health Insurance post

May 19, 2008

CoverColorado is a statewide major medical insurance plan available to legal six-month residents of Colorado and new HIPAA eligible residents who are transferring their health insurance coverage from another state’s high risk insurance pool who have pre-existing health conditions which may prevent them from obtaining health insurance elsewhere.

Colorado Department of Insurance

Who Is Eligible For CoverColorado?

In brief . . .

Must be a legal resident of Colorado for a minimum of six months, unless HIPAA eligible.

Cannot already have health insurance.

Cannot be Medicare or Medicaid eligible.

Cannot have been terminated from CoverColorado in the past 12 months.

Full eligibility requirements for CoverColorado and be found on the website.

Colorado Discount Dental Plans Under $20
Nationwide Dental Plan Provider Network. Savings on both preventative and restorative dental services. Savings on prescription drugs, vision care, and chiropractic care.

Colorado Discount Health Plans Under $60
Nationwide Healthcare Network. Healthcare savings for your entire household under $60 per month.

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What About Pre-Existing Conditions?

According to the way that I interpret the guidelines of CoverColorado, if a person has not been insured within 90 days prior to insurance application date, pre-existing medical conditions will not be covered for the first 6 months of coverage under CoverColorado.

Applicants who have had at least six months of continuous health insurance coverage within 90 days of the CoverColorado application will not be subject to the six month pre-existing limitation.

Is Family Health Insurance Coverage Available?

Everyone in a household may be eligible for CoverColorado, but there are no family rates.
Each eligible family member who is enrolled will be charged an individual rate based on such factors as age, gender, smoking status, etc.