Colorado Health Insurance Online.com
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The Best Health Insurance In Colorado!At SBS, we promise to help you find the best solution for you and your family and provide you with world class service when you have a question or need help in the future. We have been offering health insurance solutions for people just like you for over 20 years! We can serve you better than anyone! No more calling the mega companies that put you through a maze of phone options, when all you want is a live person to help you! With SBS, a live person will answer your call and a licensed agent is always available to help. We are so very grateful to Matthew and Dana. We have worked with them for three years now, and not only are they proactive in helping us assess whether we have the right plan for that point in time, but they also provide superior customer service and support for the plan we are currently enrolled in. They are always available, even on weekends and during evenings. Their commitment is a testament to not only the pride they take in servicing their clients, but also their genuine concern for our family. I have the highest level of respect for them and would recommend their services to anyone needing or considering health or life insurance. We consider them our personal “medical advocates” for our family. It is so nice to know that no task is too small or issue too large for them. With such a hectic schedule, it is nice to know we can count on Matthew and Dana to be there for us! J.M. |
 Top Ten Tips For Buying Health Insurance In Colorado!Remember when we just wanted some good information on health insurance? A brochure? Some rates? Now, there is so much information, it's like trying to drink out of a fire hose! With the birth of the internet, information is easy to come by and so are the sources to purchase a policy. There are lots of agents out there. You can call the home office and speak to a customer service rep. Here are some of the most asked questions, but why not let an agency with over 20 years of service give you the answer to your exact situation. In our business, there is no substitute for experience! Click Here For A Free Online Multi Company Quote Today! |
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How Do I Pick A Company?This can be more difficult than you think. There are very well known "name brand" companies that offer good coverage, but are not competitive in your area today. Companies will use different strategies over time. Sometimes, that strategy is to lay back and see what happens to the other carriers in the market. We can tell you which quality companies want your business today! Co Pay or HSA?Both. HSA's have been extremely popular and financially beneficial to millions of insureds over the last 6 years. They have been a favorite of SBS with almost 80% of our clients taking advantage of low premiums and tax advantages. In the last year or so, the trend has reversed. An HSA is still a great value for many, but a large number of our clients are taking advantage of lower cost co pay plans in many markets today. Let us use our cost calculator to help you decide what works best for you. Should I Take COBRA?Maybe. If you are sick, COBRA may be the best choice. It is usually more expensive, but also does not exclude any pre existing conditions you may have. If you are healthy or just have less severe health problems like anxiety, high blood pressure, high cholesterol or thyroid, an individual plan might be a better, more affordable solution. Additionally, just because one family member takes COBRA, does not mean that you all must take it. Sometimes it makes more sense to split the family on different plans. We have years of experience helping insureds decide the best solution. Who Has The Best Rates?Easy! We all have the same rates. If we give you a quote from brand name company "A", the price will be the same as another broker or the home office. Why? Because the rates are regulated by the state. No one can offer a "special" or "volume discount". You may have an agent dishonestly try to get you to apply for a rate that they know you will not qualify for (preferred instead of standard or standard instead of rated for a condition you have). We will quote the rate that is appropriate to your personal medical situation. What Is Catastrophic Coverage?There is no exact definition for catastrophic coverage. Usually, it will offer coverage in the hospital and little or no coverage for outpatient care. It also may offer significant limitations in the hospital. if you are trying to cut your health care dollar to the bare minimum, we can help you get the most coverage for the money you can budget. How Do I Pick The Right Agent?This could be one of the most important decisions you make. A good agent has years of experience with many companies in the industry and should know the industry inside and out. If an agent is not familiar with their own products and the competition's products and keeps needing to "check on details" about different plans when you have questions, they may not be the one to deal with. How long have they been an agent? Do they represent many companies so you will be able to choose from the best? We have over 20 years of experience. We represent the top companies. Give us a call and see if we know our stuff! Name Brand Company Means Great Plan. Right?No. Those names you know usually have great plans. In order to help you save money, though, they also have plans which may be labeled "saver" or "value" or no label at all with reduced or limited benefits. Should you avoid these plans? Not necessarily. If you need to save money and understand the limitations, that is fine. Be wary of the agent or customer service rep that offers an unbelievable deal though. It might be unbelievable at claim time when they do not cover what you expected. We will let you know exactly what you are buying. What is covered and what is not. Health Problems Do Matter When You Choose A Plan!All companies will treat your medical conditions differently! Some will take you on a standard rate, some will rate you up and some will decline you outright. If you are rated up, the percentage varies as well from company to company. You may also have a condition excluded for a period of time or forever. We know which companies will treat your condition in the most positive fashion. For more on this topic, Click Here Expect Service After You Buy!What? Service? We have become used to email, voice mail and text. Wouldn't you like to talk to a qualified, experienced professional that actually remembers who you are? Demand it from any company you spend your thousands of dollars with every year. Ask about the issue process. Who will you deal with? How about after your policy is issued? Do you have a personal contact or do you just take your chances with the mega company customer service queue? We will tell you now. Service after the sale and for years to come is standard. When you call, we know who you are and can give you the personal service you deserve. Be Sure Your Agent Knows Your Area!Does it really matter? Yes! Each carrier has different premium rating rules around the state. Many carriers are actually more expensive in the rural areas where healthcare is cheaper, but network discounts are not as deep. An agent with intimate knowledge of your area can net you hundreds or even thousands in annual savings. We know Colorado! Need An Agent In Georgia? We Can Help! Give Us A Call! 1-800-381-9149 | |||
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Give Us A Call At 800-381-9149 Or Click Here For A Free Quote Today! |
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