 Welcome to BenefitRiver Health Insurance – a company with new ways of thinking about health care insurance.
We know how frustrating it can be finding the right health insurance plan for your company. With over 10 years of experience in health benefit consulting and hospital management, BenefitRiver has the expertise to match the right health care plan to your small business. As a local, independent brokerage serving clients throughout Colorado, BenefitRiver isn’t locked into one health care provider. Instead, we can offer your company solutions from a multitude of companies, then tailor a health care plan that makes sense for you and your employees. We’ll work with you to customize plans that fit your needs and budget – guaranteeing you’ll get the best plan at the best possible price. We’ll help you with every step of the application process. And we’ll be there for you after the sale - leveraging our experience to get you the best possible customer service after a policy is sold. We work with the best healthcare providers in the nation. Companies like Aetna, Humana, GoldenRule, Rocky Mountain Health Plan, Assurant, Kaiser Permanente, Pacificare, Multiflex Dental, Beta Health, International Medical Group – representing over 150 plans! And, our service is completely free to you and your company. Our individual service is also great for individual customers. You don’t need to be a small business to take advantage of the great health care plans offered by BenefitRiver. Whether your employer doesn’t offer coverage, if it’s your first time shopping for coverage, if you’re looking to lower your premium or if recent family changes have occurred, we can help. We’ll show you a variety of plans that are customized to fit your budget and situation. And just like our group coverage, we’ll be with you along every step of the application process and be there for you after the sale with expert advice.
Health Savings Accounts (HSA) Health Savings Accounts are quickly becoming the most popular type of insurance plan in Colorado. HSA’s are particularly attractive for anyone who wants more control over how their medical premiums are spent (or invested). They are also very popular with anyone looking for tax advantages from their health insurance plan. HSA’s have relatively robust preventative benefits (often at no cost) and they function like traditional health insurance plans after the deductible is met. However, unlike traditional health insurance plans, most HSA’s do not require you to pay a co-insurance percentage. The best selling HSA’s in Colorado include: Golden Rule’s HSA 100 and HSA Saver Plans Kaiser’s CarePay HSA Plans Aetna's MC Open Access High Deductible 3000/5000 Plans Humana’s Autograph HSA Plans
Traditional Plans Traditional plans are similar to health insurance offered by an employer. These plans are popular with anyone who needs regular doctor office visits or anyone with routine drug prescriptions. Traditional plans allow you to reasonably predict your medical expenses and they are more convenient than other types of health insurance plans. A typically office visit under a traditional plan will cost between $20 and $35. Also, traditional plans have a co-insurance requirement of 20% to 30%, relatively low deductibles, and reasonable out-of-pocket maximums. Traditional products typically offer both in-network and out-of-network coverage (with the exception of Kaiser’s plans that only cover expenses incurred in-network). Many carriers also offer optional benefits to help round out the coverage. The most popular traditional plans in Colorado are: Golden Rule’s Copay Select and Copay Saver Plans Aetna’s Managed Care Open Access & First Dollar 25 Plans Kaiser’s Copay Plan Humana Portrait and Autograph Plans
High Deductible Plans High deductible plans are a great solution for people who do not normally use healthcare services; however, they need protection from unexpected accidents and illnesses. The monthly premium for these plans is significantly less expensive than traditional plans (up to 73% less in some cases). The coverage is not as comprehensive as other plans but people who shop these plans rarely use healthcare services. High Deductible Plans are listed below: Golden Rule’s Plan 100, Plan 80, Saver 80 Plans Aetna’s Preventative & Hospital Plan Humana’s Monogram Plan Kaiser’s Deductible Plan
Short Term Plans Short term health insurance plans are a great option for recent college graduates, for anyone between jobs, for seasonal workers, for retired workers awaiting Medicare eligibility, or for anyone in a period of transition or change. Short term policies are particularly attractive to mountain athletes who need coverage for a particular skiing, climbing, or kayaking season. BenefitRiver suggests the Golden Rule Short Term plan
Dental Plans Dental insurance is available in Colorado as either a stand-alone insurance product or as a rider to your medical insurance plan. >>MORE
Travelers’ Plans These plans provide medical insurance protection when travelling outside the U.S. for an extended period of time. Also, people visiting the U.S. for an exteded period of time find these medical plans to be very useful. >> MORE Back to Top |
