Colorado Health Insurance
Colorado health insurance/medical
insurance products are offered by Jerry
Lucas, independent insurance agent/broker, dba Advisor Insurance Services, from a number of health insurance companies to provide you with quality, affordable coverage.
Individual and group health insurance products are available. As an independent
insurance agent/broker in Colorado Springs, we can shop for you to find the lowest rates or the
plan features you want.
FREE COLORADO HEALTH INSURANCE QUOTE
or call Jerry
Lucas, independent insurance agent/broker, in Colorado Springs at
Compensation Disclosure Form
offer individual and group Colorado health
insurance and supplemental insurance from leading companies including
Aetna, AIG, Assurant (Time, Fortis), United Healthcare (Golden Rule), United
American, US Life, World, Colorado Bankers Life, AmeriValue Plan, AHCP
Dental and others at competitive rates. As an independent
insurance agent/broker, we can shop for
you to find the lowest rates. You can apply online below or call us for more information.
(click on the logos below for a Free Quote and
Supplemental Insurance and Discount Dental Programs
American Foundation Signature Series Brochure
UA Colorado Rates
Agent ID: GL8139
Critical Illness brochure
(New! Available 8/2008)
Worried about paying your deductible?
Hospital inpatient expense policy designed to cover
major medical deductibles, co-pays and co-insurance.
Choose from $2,000 to $10,000 maximum benefit levels
Optional hospital outpatient benefit rider.
Allows you to raise your deductible on major
medical insurance to save on monthly premiums.
A limited benefit, guaranteed issue health insurance program
including hospital inpatient, intensive
care unit, surgery, doctor visits, ambulance, critical illness, accident medical
expense, accidental death and dismemberment, plus consumer savings for many
products and services as a member of America's Health Care Consumer Association
(AHCCA). Choose from Signature 300 or Signature 1000 plan to suit your needs
health insurance is also known as guaranteed issue health insurance, and
is more affordable than basic health insurance or major medical insurance.
Guaranteed Issue Health Insurance provides limited benefits and is not basic
health insurance or major medical coverage, and is not designed as a substitute
for basic health insurance or major medical coverage. It is best suited
for those that do not qualify for major medical coverage due to health problems,
or those that cannot afford higher premiums or want to choose less coverage at a
lower price. Please call us for
assistance and questions.
AmeriValuePLAN USA offers health savings, consumer
savings, business savings and supplemental insurance coverage through membership in America’s Health Care Consumer
Accident Disability Income
Accidental Death &
us for more information about
Enroll now to
Become a Member today!
Timber Ridge Series,
10 Year Renewable
Term Life Insurance with
Living Benefits Rider
Pays you lump sump
cash benefits directly to you, upon first diagnosis, to use as you choose, for:
Cancer (invasive) 100%
(renal failure) 100%
organ transplant 100%
Advanced Alzheimer's 100%
Loss of Independent Living 100%
Loss of limbs 100%
Major burns 100%
Coronary bypass surgery 25%
Heart valve surgery
Aortic surgery 25%
from any cause 100% (except suicide during the first two years)
a check be better than a get well card?
Use the cash for paying insurance co-pays and deductibles,
living expenses, home health care, housekeeping, child care, lost income,
re-training, non-covered experimental treatments, as you choose.
Discount dental plans from
Discount Dental and Medical Programs
are NOT insurance
discount programs are available in most states and offer member discounts on
dental, medical, health, vision, hearing, prescriptions,
chiropractic, diabetic supplies and more.
Plans vary by zip code.
Enroll now to
Become a Member today!
Sample Monthly Rates, Inpatient, Male, Colorado
Issue age 0-63
30 $17/$30 $5K/$10K
40 $24/$45 $5K/$10K
50 $37/$72 $5K/$10K
60 $54/$106 $5K/$10K
Signature 300 Plan
Signature 1000 Plan
Sample Monthly Rates,
Issue age 18-64
Age Rate Coverage
30 $30 $49,719
40 $50 $47,861
50 $100 $47,053
60 $100 $22,711
Discount dental plans from $79.95/year
Savings Accounts (HSA) are similar to Medical Savings Accounts (MSA), and became widely available in 2004 to anyone with a high-deductible health
insurance policy that meets certain rules created by the Medicare Modernization Act recently passed by Congress. An HSA provides a tax-advantaged way to reduce costs for health care coverage for individuals
or small businesses.
Archer Medical Savings Accounts (MSAs) are available for self-employed business owners and businesses
with 50 or less employees, who also have a high-deductible health insurance policy. We offer these high deductible insurance policies for use with an HSA or MSA. These high deductible policies are much less expensive than typical
insurance policies, HMO or PPO health plans, saving you money.
To reduce your out of pocket medical and dental expenses, you can join
a medical/dental discount
program. Call us for more information.
You pay for smaller medical expenses from your pocket, or from your HSA or MSA, and the high-deductible health policy pays for big medical expenses
above your deductible. Money you contribute to your HSA or MSA gives you a 100% tax deduction and grows tax deferred until you need
it. It may be invested in interest bearing accounts, or you can invest it in stocks, bonds, or mutual funds
Money from an HSA or MSA may be used to pay for medical care, dental, vision, long
term care insurance and many other medical expenses as defined by the IRS. Money that is not used for medical expenses can grow and may
be used as additional retirement money after age 65. Money contributed to an HSA or MSA is not forfeited if not used by the end of
the year. It is carried forward and can be used for future medical expenses or left to grow.
We can assist you in comparing your choices, selecting a qualifying insurance
policy and a custodian to hold your HSA or MSA funds.
Call Jerry Lucas in Colorado
Springs at for more information on Health Savings
Critical Illness Insurance
Critical Illness insurance provides a lump sum
cash payment in the event of certain specific illnesses or critical health conditions. You use the money any way you decide to pay bills, seek
treatment not covered by health insurance, hire a caregiver or helper, or even to help train for a new occupation if needed. Can be a good solution for
singles and those without disability insurance.
critical illness insurance, see Colorado Bankers Life product listed above)
Please Note: Life, health and long term care insurance are offered to Colorado residents
only, by Jerry Lucas, dba Advisor Insurance Services, a licensed insurance agent in Colorado
Springs. Discount health and dental programs are NOT insurance and are available to
residents in most states. Limited benefit medical insurance plans are not a substitute for major medical insurance plans. We recommend that you purchase adequate insurance to protect you from
catastrophic financial risks.
While health insurance helps to pay your medical bills, disability Insurance helps to replace your earned income if you are
unable to work. There are short term and long term disability insurance products available. You should have a plan for how you would support
yourself and your family if you become disabled, especially with a long term or a permanent disability. If your spouse also works, could you live off only
one income? If you do not have an emergency savings fund or other source of income, you need to consider disability insurance.
recent study listed the following leading causes of disability and the percentage of claims:
percent - Normal pregnancy
percent - Injuries (not including back)
percent - Digestive/intestinal diseases
percent - Pregnancy (complications)
percent - Reproductive/urinary system diseases
percent - Cancer
percent - Complications of pregnancy
percent - Joint/muscle/connective tissue diseases
percent - Back injuries
percent - Cardiovascular disease
Call Jerry Lucas
in Colorado Springs for a FREE QUOTE and to discuss your disability
Thank you for visiting our website!
Please sign-up for our
Notice: Colorado Life and Health Insurance Protection Association limited coverage for
Health Insurance News from Insurance Headlines.com