| Rating |
 |
 |
|
| Insurer |
 |
 |
 |
| Plan Name |
Anthem BluePreferred |
HumanaOne Portrait Share
80 Plus Unlimited |
Copay Select |
| Plan Type |
Our most popular PPO Copay Plan
featuring Blue Cross Blue Shield's huge
nationwide network plus international coverage |
PPO Copay Plan with
Humana's national network |
PPO Copay Plan with
excellent national network |
| Plan Highlights / In-Network
Benefits |
$25 Doctor Copays for
non-preventative visits with no cap on the number of visits |
Unlimited Doctor $35 Copays Per Year.
Specialists are $50 copay. |
$35 Doctor Copays for
non-preventative visits with no cap on the number of visits |
|
$15/$40/$60 Rx Copays for
Generic/Formulary/Non-formulary. Simple and straight
forward structure with no separate Rx deductible. |
Option to waive separate
$500 Rx Deductible, then $15/$30/$55/25% for Level 1-4
prescriptions |
$15 Rx Copay for
Generic; After separate $100 Rx Deductible, then $30/$60 copay
for Preferred/Non-preferred prescriptions |
|
$500 First Dollar
Accident Benefits, so Anthem pays for 100% of the first $500
for accidents. |
Option to Add Dental |
Optional Coverage at 80%
up to $2500 Maternity Benefit for years 1 & 2, $5000 for
years 3 & 4 and $7500 for years 5+. |
|
80/20 Coverage for Age
Appropriate Child Wellness Exams through age 12; $25 Copay for
Pap Exam with $75 benefit for lab work; Mammogram and Prostate
Exam covered not subject to deductible or coinsurance, so you
pay nothing. |
80/20 Coverage for Age
Appropriate Child Wellness Exams through age 12 and
immunizations through age 17; 80/20 Coverage for Pap Exam,
Prostate, Exam and Mammogram. $300 annual cap on many
preventative care benefits. |
Wellness Benefits: Routine
history and exams at $35 Copay with maximum benefit of $300
annually. Child Immunizations for ages 0-18 covered at
80%, not subject to deductible, up to $300 annually.
Preventative . Mammogram, PSA and Pap Exams covered at
minimums required by State of Colorado. Mammogram and PSA test
covered not subject to deductible, Pap Exam covered subject to
deductible. |
|
Vision Insurance
Included. Dental Insurance Optional |
12 month rate guarantee |
No cap on ground or air
ambulance benefit |
|
Very good reputation
based on past and recent rate increases & best rates
for older age groups so it's a plan you can keep for the long
run |
Good reputation for
recent rate increases & 12 month rate guarantee |
Good recent rate
increases and 12 month rate guarantee |
| What's Lacking |
No Maternity Coverage |
No Vision Insurance. Has
Ambulance Cap |
Maternity plan has a
capped benefit |
|
Has Ambulance Caps |
Many items are
options |
Rates less attractive
outside metro
areas |
| Pre-Existing Condition Options |
Standard/Rate/Decline |
Standard/Rate/Exclude/Decline |
Standard/Exclude/Decline |
| Colorado Health Plan
Description for Benefit Details and Limitations: |
Colorado
Health Plan Description |
Colorado
Health Plan Description |
Colorado
Health Plan Description |
| August 1st, 2008 Sample Monthly
Premiums for Denver, CO 80010 for healthy non-tobacco users |
$500 deductible / $1000
coinsurance |
$1000 deductible/ $1000
coinsurance |
$2000 deductible/ $1000
coinsurance |
$1000 deductible/ $2000
coinsurance
Options - $0 Rx Deductible
|
|
$2500 deductible/ $2000
coinsurance
Options - $0 Rx Deductible |
$500 deductible / $2000
coinsurance |
$1000 deductible/ $2000
coinsurance |
$1500 deductible/ $2000
coinsurance |
| 23 year old male |
$195.00 |
$160.00 |
$124.00 |
$150.10 |
|
$107.07 |
$144.66 |
$108.28 |
$95.29 |
| Couple: Both 33 years old |
$477.00 |
$401.00 |
$323.00 |
$400.92 |
|
$291.43 |
$429.66 plus $106.40 for maternity option |
$322.24 plus $106.40 for maternity option |
$282.40 plus $106.40 for maternity option |
| Family: Both 39 years old with 2
children |
$79200 |
$675.00 |
$557.00 |
$711.14 |
|
$525.25 |
$802.69 |
$610.39 |
$539.35 |
| Couple: Both 54 years old |
$783.00 |
$693.00 |
$601.00 |
$834.80 |
|
$635.83 |
$1,016.98 |
$764.03 |
$672.21 |
| Best
Price Guarantee |
Yes |
Yes |
Yes |
| Insurer's Online Quotes &
Application Link |
Anthem
Instant
Quotes / Secure Online Application |
Humana
Instant
Quotes / Secure Online Application |
Golden
Rule Instant
Quotes / Secure Online Application |
* Best Price Guarantee:
Because health insurance rates are filed with and regulated by the
Colorado Division of Insurance, you won't find the plans we sell offered for less anywhere
else. If you buy from Colorado Health Insurance Brokers, another agent or directly from the health insurance company, you'll pay the same monthly premium for the same plan.
Ratings: These
ratings for our most popular copay plans are purely subjective and based upon a number of
factors including plan popularity, general customer
satisfaction and more. Review the policy and the Colorado Health
Plan Description for plan benefit details and
limitations.
Any overviews presented are intended to provide a brief outline of coverage. All terms and conditions of coverage, including benefits and exclusions, are contained in the Certificate, which shall control in the event of a conflict with this overview.
