The most popular and well known Colorado health insurance company is probably Anthem Blue Cross Blue Shield Colorado. Anthem BCBS of Colorado has received excellent financial ratings and offers a variety of different health insurance products. Anthem BCBS of Colorado is also regulated by Colorado’s Department of Regulatory Agencies – Division of Insurance.. Health insurance premiums are among those things that are regulated. Therefore, premium will be the same no matter where you buy it. In my opinion, the best thing you can do is find an independent agent that offers insurance from all the carriers. This way you are sure to get a broad selection of Colorado health plans to compare. They will also be review the benefits of Anthem Blue Cross Blue Shield of Colorado health plans in your area.
Blue Cross Blue Shield Colorado, like all Colorado health insurance companies, has the right to decline an individual of family application for medical reasons. Group health insurance, employer sponsored health plans, are guaranteed issue and you can not be turned down for health insurance…there may be some exclusions for pre-existing conditions so be sure to discuss this with your agent. Overall their application and underwriting process is very good and often approves policies in 24 hours. You should still plan on it taking just to avoid complications and be sure you are not suddenly left without medical coverage.
BCBS of Colorado also has an excellent provider network – http://providerdirectory.anthem.com/main.asp – with over 8,000 health care professionals and medical providers. Network is just a portion of what makes BCBS Colorado offers. Blue Cross Blue Shield of Colorado offers 5 different Colorado health insurance plans:
- Right Plan PPO 40
- Blue Preferred
- Lumenos HSA
- Lumenos HIA
These Anthem of Colorado health plans will give you a wide selection of plans to choose from. Here are some of the features you can focus on to help you narrow down your choices.
- Office visit copays
- Out of pocket maximum
- Prescription Drug Coverage
- Outpatient care
- Preventative care
- Emergency room
Be sure to read the limitations and exclusions section of the official Blue Cross Blue Shield of Colorado plan benefit summary.
Anthem BCBS Colorado health insurance plans are some of the most competitive and comprehensive available in the market. Your search for affordable health insurance in Colorado should include a thorough review of the Anthem health insurance plans in Colorado.
Anthem Dental Colorado also offers what I consider to be one of the better dental insurance plans available.