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Jim

Tina

Tom

Michelle

Jim, Tina, Tom or Michelle ColoradoHealth.com 8751 E. Hampden Ave, #A-1, Denver, C0 80231 303-782-0123, 303-782-0804(Fax), email=Michelle@Coloradohealth.com

Individual policies are subject to a medical review and you are not guaranteed acceptance. The insurance carrier may request medical records if there is any aspect of your health that they wish to review in more detail. They may also put waivers or exclusions on some medical conditions, which means that they will not pay any claims associated with that condition (please see the section on Pre-existing conditions for further information). They can also decline to insure an applicant.

Group / Business policies are generally guaranteed issue (not subject to medical review) and for this reason (and typically broader coverage) may have higher premiums than individual policies. Acceptance of a group policy is contingent on qualifying as a business, and being able to provide the necessary tax and other documents requested by the carrier. If you have a question about whether or not you will meet the Business qualification criteria, just give us a call (303-782-0123) and we will be happy to go over the requirements with you. The carrier always makes the final decision, but we can help you navigate all of the rules.