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Letter from the Agency

Please read this important update from our agency
regarding new business practices for 2020
and longer appointment times.

Dearest Clients,

As we approach open enrollment, we wanted to keep you abreast of the changes upcoming for the 2020 season.

First, we wanted to let you know our new Colorado reinsurance program is going to help drop individual insurance rates statewide because carriers no longer will absorb high cost claims.  We anticipate that everyone should see a rate reduction of approximately 20%.

Second, for people in Summit County, our new Peak Health Alliance may reduce the cost of individual insurance up to about 40% through Bright Health only.  They are also carrying small group coverage with Rocky Mountain Health Plans which may also reduce small group rates.   We are pleased to announce that we are licensed and will be ready to sell through the Peak Health Alliance for both individual and small group as soon as their rates are released, hopefully the first week of November.

Third, we would like to welcome a new insurance carrier onto the marketplace, Oscar Health. Their service area and footprint tend to be mostly in the Denver area and extending south toward Colorado Springs. Their rates and coverage seem to be in line with the other carriers so when we send you  quotes, we will be glad to include them in the lineup if they are in your area.

Finally, the carrier Kaiser Permanente is leaving the mountain areas and has limited it’s footprint in Colorado.  They have also continued to deny brokers a commission so unfortunately we are forced to charge clients who choose their plans a $250 annual service fee per application.  Thank you for your continuing patronage at A+ Smart Health Insurance Agency.

Same as last year, we found that the longer appointment times were appropriate to be able to truly help go over insurance options so we have continued with the same 45 minute time blocks. 

We have opened the website appointment link for November first to January 15, 2020 so you can get us the up-to-date on changes in your household, your income, your insurance needs and more via the “get a quote” button as well as set your appointment time with the broker of your choice. 

We are grateful to have you as clients and pleased to help you with your individual, Medicare, small group, and large group health insurance needs!  (And much more!)

Best regards,

Barbara, Janelly, Charlie, and Carol