Tag Archives: Insurance

The Future of Medicaid and Long-Term Care

Older adults who require long-term care often need to reduce their assets and rely on Medicaid to cover expenses. However, with current and potential future changes to Medicaid, access to the program for long-term care may become uncertain. In Lakewood, CO, long-term care insurance obtained through a broker like Colling Insurance Services, Inc., can help alleviate concerns about Medicaid.

Medicaid Is Still Available Now, but What About the Future?

Medicaid has long been a primary source of financial support for long-term care. However, budget cuts and the possibility of significant changes to the program mean that individuals must consider alternative ways to pay for care if Medicaid coverage becomes insufficient or unavailable. While some families may consider caring for older relatives themselves, the reality is that caregiving can be an overwhelming drain on both mental and physical resources, as well as financial resources.

Your family may not be equipped to provide the level of care required if your health demands professional or intensive support. In such cases, elder care facilities, including assisted living, memory care, or nursing homes, often become the safer and more practical option. However, these facilities are significantly more expensive than staying at home, raising the question of how to cover the costs.

Many people reduce their assets to qualify for Medicaid, which can help pay for residential care. But if Medicaid coverage is reduced or eliminated for long-term care, you’ll need an alternative plan to protect your financial future.

Long-term care insurance can cover a substantial portion, or even most, of the costs associated with long-term care, depending on the policy. While coverage limits may apply, working with a broker like Colling Insurance Services, Inc., in Lakewood, CO, can help you find a policy tailored to your projected care needs. This approach allows you to safeguard your assets while ensuring access to quality care.

Contact Colling Insurance Services, Inc., today to explore long-term care insurance options and secure your future. We proudly serve the Lakewood, CO, area.

I’m Young and Healthy, Why Do I Need Health Insurance?

When we are young and healthy, health insurance often feels like a low priority. If you’re feeling great and have no medical complaints, you might wonder why you should invest in a health plan. It’s a valid question. For our Lakewood, CO, community of young and healthy adults, the agents at Colling Insurance Services Inc. can explain the long-term benefits of health insurance that can positively impact your financial and physical well-being now and in the future.

Three Key Reasons Why Health Insurance Is Recommended for the Young and Healthy

Reduces Out-of-Pocket Costs

While your health may be stable now, unexpected accidents or medical illnesses can occur at any time. No one is immune, regardless of age. Without health insurance, the cost of treatments and medications becomes your sole responsibility, which can be financially overwhelming.

Protects Your Financial Stability

Paying for medical bills out of pocket can have significant and long-lasting effects on your financial health. Health insurance helps mitigate these costs, ensuring you don’t face financial hardship due to unforeseen medical expenses.

Supports Your Overall Health

Even if you feel well now, underlying medical issues can go unnoticed without regular check-ups. Health insurance allows you to maintain good health by scheduling routine appointments with your primary care physician. Preventive services ensure your doctor has an ongoing record of your health, enabling early detection and treatment of potential health concerns.

Contact Us

If you’re unsure whether getting health insurance in Lakewood, CO, is the right decision for you, call Colling Insurance Services Inc. We can discuss why securing health coverage while you’re young and healthy is a strategic move for your future. Contact us today to explore policy options tailored to your needs.

Does Dental Insurance Cover Emergencies?

Taking care of your teeth is an essential part of maintaining your overall health. Many people purchase dental insurance to help cover the costs of dental care. If you are near Lakewood, CO, our team at Colling Insurance Services Inc. can provide the information you need about dental insurance. We’ve been assisting clients like you since 1957.

Does Dental Insurance Cover Emergencies?

Even if you take excellent care of your teeth and visit your dentist regularly, dental emergencies can still happen. When they do, the cost of treatment is often the last thing on your mind. According to Legal Clarity, coverage for dental emergencies varies depending on the specific dental insurance policy.

Routine dental care, such as x-rays and exams, is typically covered by standard dental insurance policies. Many policies also offer a fixed amount of coverage for certain emergency procedures, such as tooth extractions or crown replacements. However, some policies determine coverage for unexpected procedures on a case-by-case basis. To avoid surprises, it’s best to review your policy’s provisions before an emergency occurs. If your current policy doesn’t meet your needs, one of our agents can help you explore new insurance options.

Call Us for Your Appointment Today

Dental procedures can be costly, but dental insurance can help ease the financial burden. Our team at Colling Insurance Services Inc. has the expertise and dedication to provide you with the insurance options you need. Clients in the Lakewood, CO, area trust us for excellent customer support. Call us today to schedule an appointment and discuss your insurance needs.

The Right Dental Solutions Offer One More Reason to Smile

Our smile is a powerful communicator and can significantly impact more than just our appearance. It’s often one of the first things people notice about us. That’s why many people strive for a radiant, white smile – first impressions can be pivotal. This desire for a beautiful smile is why many individuals and families in the Lakewood, CO area turn to the friendly and professional team at Colling Insurance Services Inc. for their dental insurance needs.

The Right Dental Insurance Solutions Can Brighten Your Smile

For many of us, our teeth and smile are often taken for granted. That is, until a problem affects our teeth or our confidence to smile. The good news is, in most cases, we can address any issues with our smile and teeth with quality dental care and a skilled dentist. The downside is that dental care can be costly. Fortunately, the right dental insurance can make a difference, giving us another reason to smile. This is why so many people and families in Lakewood, CO trust the team at Colling Insurance Services Inc. for all their dental insurance needs.

Dental Insurance for Lakewood, CO Area Residents

Do you live in or near the beautiful Lakewood, CO, area? Would you like to learn more about how Colling Insurance Services’ dental insurance solutions could benefit you and your smile? We can help. Contact us to find out more and schedule an appointment with our experienced and knowledgeable team today. Protect your smile with the dental insurance solutions you need from Colling Insurance Services Inc.