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Individual & Family

Our Products

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Affordable Care Act Plans

You may know Affordable Care Act (ACA) plans as major medical, comprehensive coverage, or even “Obamacare,” but whatever you call them, these plans meet all the requirements of the ACA and are typically the most comprehensive on the market. If you have a chronic illness or face a medical emergency, these plans can help prevent staggering expenses.
ACA plans provide benefits for a broad range of health care services, both inpatient and outpatient, and can save you money on routine doctor visits, prescription drugs, preventative care, hospital stays, and more. These plans are available to almost everyone, and you can’t be denied based on preexisting conditions.
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Short-Term Plans

If you can't afford an Affordable Care Act (ACA) plan or have missed the cutoff to apply, you may want to consider a short-term plan. Compared to ACA plans, short-term health insurance typically provides much less coverage. But short-term plans do accept applications year-round, and they can help offset costs if you have a medical emergency unrelated to a preexisting condition. Short-term plans do not meet the requirements of the ACA and may not cover all — or any — of your medical needs, so you’ll want to read the plan details carefully before applying. Also worth noting that purchasing short-term health insurance may make you ineligible for other health insurance including ACA plans and COBRA. Shop for Short-Term Plans 
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Dental / Vision

Affordable Dental Insurance plans start as low as $8.95 per month. Protect your eyesight with plans starting from $6.99/mo. From trusted insurance companies. Shop for Dental/Vision
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Life Insurance

Protecting things that are most important to you. Plan the financial future of your loved ones with our life insurance plans. LET OUR FRIENDLY INSURANCE AGENTS HELP YOU: (303) 990 5051

 

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We also have Travel Medical Insurance / International Health Insurance / Travel Insurance. Get Quote.




Frequently Asked Questions

Do I need to go through open enrollment if I just want to renew my plans? Can you do it for me?

We recommend that employers take their annual open enrollment period to make necessary adjustments to their employee benefits. Benefit information changes from year to year, and may require a change to your company’s benefit strategy. If your company admin has decided to "plan map" they you will automatically be enrolled in the same (or most similar) health plan as the one you originally selected. If they do not have this automated process set up, you must re-select your health plan or you will be denied coverage.

What happens if I miss the open enrollment window?

This actually depends on how your specific company has chosen to set up its open enrollment process. If you have selected an option that's referred to as "plan mapping," then the company will make automatic selections for employees who fail to alter their health plans during the open enrollment period. Without alteration on the part of the employee, the company will keep the individual in the same health plan or in the most similar health plan to the individual's original selection. If that employee had previously declined coverage, the company will automatically decline coverage once again. However, if administrators at your company have not selected to "plan map," then any employee who does not actively make a selection during the open enrollment period will be declined coverage. This is even true for employees who had previously been enrolled in a health plan. These employees would need to re-select their health plan to continue using it. If the employee fails to do so during the open enrollment period, they can only enroll in health insurance if they experience a qualifying life event. It's possible that the employer could submit an "exception request" for an employee who missed open enrollment; this would be done through the employer's broker.

Are there any benefits I can enroll in after the open enrollment period?

All benefit changes should be made during open enrollment. Changes outside of this period can only be processed if you've experienced a sufficient qualifying life event.

What is a qualifying life event?

A qualifying life event (QLE) is a significant lifestyle change that is either unexpected or unavoidable. In the case of a QLE, employees are able to make changes to their insurance plans outside of the open enrollment cycle. Examples of QLEs are having a baby or divorcing a spouse.

Express Insurance Market
5353 W. Dartmouth Ave. Suite 307
Denver, CO 80227 Directions
(303) 990-5051
expressinsurancemarket@gmail.com

Disclaimer: This website is not the Health Insurance Marketplace website. 

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