Frequently Asked Questions

Q. What if I get declined on individual health insurance coverage?
A. Health Choice One will work with you, contacting various insurance carriers to see if we can find you coverage elsewhere. We will also provide you with information on Cover Colorado, a non-profit entity created by the Colorado Legislature to provide medical insurance for eligible Colorado residents who are unable to get coverage from private insurers. Either way, we're here to help.

Q. How long does it take to get individual health coverage?
A. Individual health insurance is medically underwritten and is not guaranteed issue in Colorado. The process typically takes four to six weeks. However, it may take as few as two weeks if you are extremely healthy, or significantly longer if you experience health problems for which the insurance carrier must review medical records.

Q. What is a pre-existing condition?
A. A preexisting condition is a condition for which you:

Q. Do I have to pay my deductible before "office visits" are covered by co-pays?
A. Generally, no. There may be companies that do have that clause in their contracts, which would not be against the law; however, we rarely see this.

Q. Are co-payments credited against my annual deductible requirements?
A. Generally, no. However, insurance policies with "office visit co-pays" handle office visits and hospital stays differently, wherein hospital stays are covered under the "major medical" portion of the policy and tend to be subject to deductibles and co-pays.

Q. Can I change my deductible after my policy is issued?
A. Most companies will allow you to change to a higher deductible with ease. Lowering a deductible usually requires you to complete a new application where you must indicate your current health condition.

Q. Can I be singled out for cancellation of a policy because of a health problem?
A. No. However, you can use up your benefits after having covered expenses in excess of your lifetime maximum.

Q. Does it cost me more to deal with an agent than it would if I dealt directly with an insurance company?
A. No. In working with an agent, you are working with the insurance company. Agents are appointed (approved) by insurance companies and are required to represent them fairly and accurately. Clients do not pay extra fees to an agent for their services. However, with Health Choice One, the client benefits from an agent's expertise and attention. Moreover, agents who represent several companies can offer an even analysis of each insurance company's products.In this way, Health Choice One provides unbiased options without the sales pressure you may experience with other insurance brokers.

Q. What is A M Best?
A. A M Best is an independent insurance rating agency that determines the financial stability of a company based on several factors. However, A M Best does not consider how a company pays it claims. While it is important to work with an insurance company that has a high A M Best rating, it is not a guarantee of congruence. For example, a company may have a high A M Best rating but at the same time design their policies to pull large sums of money out-of-pocket for hospitalization.