Monthly Archives: August 2023

Four challenges you may face when you buy health insurance

American consumers can, unfortunately, face specific challenges when it comes to health insurance. Suppose you’re a consumer in Lakewood, CO. In that case, we can provide you with the health insurance information you need at Colling Insurance Services Inc. We’ll answer your questions and help you overcome any health insurance challenges you face.

The following are four challenges you may face when you buy health insurance. 

Missing enrollment periods

For most health insurance policies, you have a limited period in which to enroll. This is especially true if you want to enroll in a plan that includes a subsidy you get through the Affordable Care Act.

That’s why you need to be aware of enrollment periods and purchase a policy before any applicable enrollment period has ended. 

Understanding the health insurance policy that you choose

Health insurance can be a complicated financial product. Consumers must review the details and read all the fine print before purchasing a policy.

Ensure you understand issues like deductibles, coverage maximums, copays, and coinsurance entirely when shopping for health insurance. If you have any questions, ask a representative from the health insurance provider you want to buy a policy from. 

Being aware of all the resources available to you

Some consumers don’t realize they have health insurance options available to them through their employer or state or local government. 

Look into options provided by your employer, your state health exchange, and any memberships you have in professional organizations before you buy a policy. 

Not knowing what the future holds

Unfortunately, knowing what the future holds regarding your health is impossible. That’s why it’s always best to invest in high-quality coverage even if you’re healthy and don’t think you’ll need medical care in the near future. 

At Colling Insurance Services Inc., we’re here to help consumers in Lakewood, CO find the right health insurance options. Call us today to get a policy quote. 

The Smile Saver: Exploring the Benefits of Dental Insurance

Dental insurance often plays second fiddle to its more prominent counterparts: health and life insurance. However, the importance of maintaining good oral health should not be underestimated. Colling Insurance Services Inc offers a range of dental insurance options to suit diverse needs and budgets. Our team of experts is dedicated to guiding our Lakewood, CO neighbors through the process of finding the most suitable plan, considering your specific circumstances and goals. 

Let’s dive into the realm of dental insurance, taking a closer look at the crucial advantages that come with it. The primary benefit is the coverage of dental service costs, from regular check-ups and cleanings to more extensive procedures like fillings, crowns, or even oral surgeries. Dental insurance encourages a preventative approach to oral health, potentially saving you from costly procedures in the future.

Also noteworthy is the peace of mind that dental insurance brings. With a comprehensive plan, you’re covered in case of dental emergencies. It’s hard to put a price on avoiding the stress of unexpected financial burdens on top of health concerns. Many comprehensive dental insurance plans cover orthodontics, oral surgeries, bridges, and dentures. Even if these are not needed now, it’s good to know that you’ll be covered in the future if the need arises.

Dental insurance is an investment in your long-term health and well-being. If you’re ready to learn more about the benefits of dental insurance and what Colling Insurance Services Inc. can offer, don’t hesitate to contact us. Our team is prepared and eager to help you make informed decisions about your dental health. Contact us today for more information and details about dental insurance in Lakewood, CO.