| Rating |
 |
|
|
| Insurer |
 |
 |
 |
| Plan Name |
Lumenos HSA Qualified |
HSA 100 |
OneDeductible |
| Plan Type |
HSA Plan with huge
nationwide BC/BS network and industry leading PPO network
discounts |
PPO HSA Plan with
excellent national network PPO and industry leading PPO
network discounts |
HSA Plan with PHCS or
Sloan's Lake PPO Network for competitive PPO network discounts |
| Plan Highlights / In-Network
Benefits with 100% coinsurance |
HSA Qualified Plans with
coverage for single people and plans with a single family
deductible |
HSA Qualified Plans with
coverage for single people and plans with a single family
deductible |
HSA Qualified Plans with
coverage for single people and plans with a single family
deductible |
|
PPO Network Discounts
and prescription drug discounts even before deductible is met |
PPO Network Discounts
and prescription drug discounts even before deductible is met |
PPO Network Discounts
and prescription drug discounts even before deductible is met |
|
Prescriptions contribute
to plan deductible and are a covered benefit after deductible
is met |
Prescriptions contribute
to plan deductible and are a covered benefit after deductible
is met |
Prescriptions contribute
to plan deductible and are a covered benefit after deductible
is met |
|
Best adult and child
preventative care benefits with first dollar coverage for no
out of pocket cost as per policy.
See Preventative
Care Benefits Summary for more information on covered
benefits.
|
Coverage for Age
Appropriate Child Wellness Exams through age 12; Minimum State
Mandated benefits for Mammogram and Prostate Exam; Annual Pap
Exam and Colorectal Screening subject to deductible and
subject to $500 annual maximum benefit |
Coverage for Age
Appropriate Child Wellness Exams through age 12; Mammogram,
Prostate Exam and Pap Exam all covered and not subject to
Deductible; $500 annual maximum wellness benefit does
not apply to child wellness, Mammogram, Prostate or Pap exams |
|
Chiropractic benefits
subject to deductible |
Chiropractic benefits
subject to deductible |
Chiropractic benefits
subject to deductible |
|
Dental insurance
available as an option |
Dental/Vision Discount
Plan Included in FACT Membership |
Maternity Benefit Option |
|
No Ambulance Cap |
No Ambulance Cap |
No Ambulance Cap |
|
100/0 and 80/20
coinsurance options |
100/0 coinsurance |
100/0, 80/20, 50/50
coinsurance options |
|
Very good reputation for past
rate increases |
Good recent rate
increases and 12 month rate guarantee |
Good reputation for rate
increases and 12 month rate guarantee |
| What's Missing |
No Maternity Coverage. |
No Maternity Coverage |
Vision and Dental
Discounts available as option |
| Pre-Existing Condition Options |
Standard/Rate/Decline |
Standard/Exclude/Decline |
Standard/Rate/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.
All plans quoted have 100/0 or 100% coinsurance
in-network. |
$5000 Family Deductible |
$6000 Family Deductible |
$10,000 Family Deductible |
$3850 family deductible |
$5800 family deductible |
$10,000 family deductible |
$4200 Family Deductible |
$5700 Family Deductible |
$10,000 Family Deductible |
$6000 Family Deductible |
$10,000 Family Deductible |
| Couple: Both 33 years old |
$224.00 |
$187.00 |
$133.00 |
$221.76 |
$180.18 |
$133.40 |
$221.39 plus $174.96 for $2500 maternity
option |
$170.20 plus $174.96 for $2500 maternity
option |
$116.13 plus $174.96 for $2500 maternity
option |
$173.00 |
$122.00 |
| Family: Both 39 years old with 2
children |
$456.00 |
$410.00 |
$287.00 |
$400.75 |
$331.45 |
$253.49 |
$454.50 |
$349.47 |
$249.95 |
$365.00 |
$269.00 |
| Couple: Both 54 years old |
$457.00 |
$42300 |
$310.00 |
$509.35 |
$412.33 |
$304.92 |
$541.18 |
$431.82 |
$307.61 |
$361.00 |
$263.00 |
| Best
Price Guarantee |
Yes |
Yes |
Yes |
| Insurer's Online Quotes &
Application Link |
Anthem
Instant
Quotes / Secure Online Application |
United
HealthCare Golden Rule Instant
Quotes / Secure Online Application |
Assurant
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 HSA qualified health
insurance 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.
