We're free. We are paid commissions by the insurance companies and the quotes you get are required by the Colorado Division of Insurance to be the same if you use a broker or go directly through the insurance company. Most Colorado health insurance is done with the assistance of brokers because there are no disadvantages and there are abundant benefits to using an informed broker to lead you in the right direction. You will always get the lowest premium for the type of coverage you want by purchasing your health insurance through us because we can shop for the health insurance plan that fits your financial needs and tolerance for risk using our expert knowledge of what coverage all of the different plans offer. We will also give you more personalized attention, and a balanced perspective about the advantages of choosing one plan over another. We can also act as a liaison between you and the insurance company if you ever have any questions or problems.
The Division of Insurance oversees the pricing of Colorado health insurance, so no company or agency is allowed to sell insurance at a price that is any different from the price set by the insurance commissioner. So we can find the best insurance for your needs at no cost to you. For years, we have been highly recommended in Colorado as a no hassle agency able to find the best health insurance in Colorado for your financial plan.

We are local, independent Colorado health insurance brokers, with no dedication to any particular company. This gives us the freedom to help our clients choose the health insurance that truly fits their financial needs and tolerance for risk. We are authorized insurance agents in Colorado for: Anthem Blue Cross Blue Shield of Colorado, Aetna, PacifiCare Health Systems, Kaiser Permanente, Sloans Lake of Colorado, Humana, Cigna Health, Rocky Mountain Health Plans, United Health Care, Golden Rule, Fortis/Assurant, Celtic, AMS, Empire, Complete Care, and many more.

We are strategically located in the Denver metro area (Broomfield), less than 15 minutes away from the home offices of most of the main health insurance companies in Colorado. We regularly meet face to face with the underwriting staff, claims, and billing departments in addition to talking to them on the phone several times per day. We've been working with these companies since 2001 and have good communication with them. This allows us to act as advocates for our clients, and help them talk with the correct people if they have problems with billing or claims.

We have a very good working knowledge of the companies we represent:

• health benefit options
• stability of the health insurance companies
• network options
• underwriting guidelines. -- If a client tells us about their pre-existing health conditions, we can save them a lot of time and energy by helping them find the companies in Colorado that will work best with their specific health situation. Every health insurance company has different underwriting guidelines.

We will do whatever it takes to help our customers find a health insurance policy that they feel comfortable with. If you are declined with one company or accepted with exclusions you are not comfortable with, that does not mean that you would have the same result with other carriers. We make it easy for you by finding the company that does work with your health situation. If a client has a health history that makes it impossible to get insurance with any individual insurance carrier, we will help them get a guaranteed issue health insurance policy.

We continue to be there for our clients after their insurance policy is in force. We help with benefit questions, and advise them on how to go about a claims process should they need to.

We have designed this interactive website where our clients can compare premiums, get details on various insurance plans, and even download applications on their own. Get as far as you like by yourself until you would like our assistance. We will always be there to answer questions or help with applications if needed, but we have the website in order to provide a no-pressure setting for clients to compare options that are available for them.