Evergreen Health Insurance

About Evergreen Health Insurance llc

Ed Regalado

My name is Ed Regalado and I want to be your resource for all things health insurance related in Evergreen, Colorado. I have a deep and passionate desire to help people navigate through the twisted path that buying health insurance can be. I specialize in Colorado; medical, dental and vision insurance. Products for seniors are also an area that I specialize in. Call me today at 303 674-1946 to set up an appointment.

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Quick Quotes

Need a quick quote for an individual policy? Just email me your; name, date of birth, your home zip code and if you are a smoker or not. Once I receive your information, it will take less than 15 minutes to generate quotes for the following carriers:

Anthem, CIGNA, Kaiser Permanente, Golden Rule (UHC) and Rocky Mountain Health Plans. Both medical and dental plans can be quoted for all Colorado residents.

Quotes are based on a preferred rate and should you or your dependent have a preexisting condition, some carriers may adjust the rate, exclude the condition or deny the application.

Call me if you wish to ask questions or get a quote over the phone.

Ed

Networks, the new focus in Health Plans

Traditionally, most people focused on premium and of course benefits. Value was important and you want to get the best plan available at the best price. But having a great plan at a great price isn’t of any value if your doctor and hospital is not included.
Networks have been scaled down by carriers in order to help contain costs. You may have had your doctor in your current healthcare insurance plan but that provider may no longer be in network in your renewal or new plan. So, be careful when selecting a new insurance plan and make sure the provider and medical facility you want is in your network.
Your broker can help you with this selection.

How Late Can I Enroll in ACA and Avoid a Penality?

Uninsured folks can now wait until March 31, 2014 to enroll in and insurance plan and avoid paying a penalty. With the federal exchanges not working properly and even our Marketplace in Colorado having some problems, this extended time will help.
If you need help getting an individual policy and live in Colorado, please call me at 303 674-1945.

Ed Regalado

Are Boutique Brokers the future for Small Business?

Obamacare has forced most of us in the healthcare industry to rethink how we do business, which is a very good thing. This morning I read an article in Employee Business News by Andrea Davis titled, “Ripe for the Picking.” It concerned itself about the opportunity for employers to offer voluntary products such as dental, vision and accident insurance to their employees but I took something a little different from this information.

The article starts out saying, ”As employers and workers navigate the new health care landscape, voluntary products could become increasingly important for worker loyalty and retention. Two new surveys…show a voluntary product industry ripe for growth, with the use of some products – voluntary dental and vision plans, for example, as well as accident insurance – having doubled our the past three years.’

The article goes on to say, “More than half (54%)  of workers surveyed for the 2013 AFLAC Work Force Report would prefer not to have greater control over their insurance options because they don’t have the time or knowledge to effectively manage it… 75% of employees said they think their employer will educate them about changes to their healthcare coverage as a result of health care reform, yet only 13% of employers said educating employees about reform was important to their organization.”

Companies with over 50 employees will try to avoid the penalty and continue to offer health insurance options. In my opinion those under 50 employees will look at getting out of the benefit game unless they are large enough to have an inside benefit specialists or a broker that will act as their benefit specialists.

Small business owners are struggling to stay alive and their primary goal is to make a profit. In doing so, keeping employees happy is a top goal. Retention and the ability to attract the best possible people continues to take be of vital importance. If you have a small group of employees, how is this best accomplished?

Benefit brokers have long promoted themselves as a solution to employers in regard to providing health insurance but they will have to evolve into a closer and more specialized role. There will be soon more options for owners. It is more than, “do you wish to renew  your existing plan or should I shop other options?”  The questions are, do you continue to provide  insurance for your employees or just give them  more money to buy it on the Exchange? Remember, the survey said that 75% of employees want their employers to help them.  There will be many options for employers and there  is no one good answer. Each approach should be customized and tailored to the needs of their employees and the fit within the budget of the company. This is where a “Boutique Broker” will come into the picture.

Large brokers will continue to offer their services to their clients with generally over 100 employees. The majority of companies with less than 100 employees will need a solution and the traditional approach is no longer the best answer though some brokers will continue to offer it.

We still don’t know all the ins and outs of Obamacare, they are still writing the rules, but we do know it will change everything and soon. The solutions are varied from state to state and industry to industry.

I believe a new opportunity will exist for the individual broker and small business owners. Customizing solutions to each employer’s employee needs will develop and voluntary products may or not be part of the solution.

There are new challenges ahead of us and I believe this translates into new opportunities.