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Health, Dental, and Vision insurance

Are you looking for health, dental, and vision insurance that’s both affordable and provides you with the coverage you’re looking for? Allow us to take away the burden of finding comprehensive health insurance, so that all you have to consider is what will fit your needs the best.

At the end of the day, nothing should come in the way of getting the coverage you need, which is why we are proud to be a locally-owned and operated health insurance broker in Colorado Springs. We have a vast and diverse portfolio of insurance providers that offer a great number of options for health insurance. Discover what Front Range Insurance Brokerage has to offer.

Individual & Family Health Insurance

From co-pays and deductibles, to filling prescriptions and finding physicians, there is so much to consider when getting a health insurance plan for you or your family. As health insurance brokers, we can pair you with both ACA-compliant plans on the State Health Exchange (Colorado Connect For Health) and off-exchange insurance that can be customized to your needs and budget.

Plans we Can Help You Find

  • Individual Health Insurance
  • Family Health Insurance Plans
  • Child-Only Health Insurance
  • Subsidized On-Exchange Insurance
  • Off-Exchange Health Insurance

Group Health Insurance

Providing your employees with health care benefits should not be a cumbersome process. As specialists in group health insurance, we will take the burden off of finding the right group plan, enrolling employees, and navigating documentation, benefits, claims, and more. We are proud to serve Colorado Springs businesses of all sizes, from 2 employees to 1,000+, to find a health insurance plan that fits your budget and mirrors the values of your company.

Plans we Can Help You Find

Fully Insured Health Insurance

A fully insured health insurance plan is a traditional model where the employer pays a fixed premium to an insurance carrier. The insurance company then assumes the financial risk and responsibility for providing health coverage to employees.
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Level-Funded Health Insurance

Level-funded health insurance is a hybrid model that combines elements of both fully insured and self-funded plans. Employers pay a fixed monthly fee that covers administrative costs, stop-loss insurance, and a maximum claims liability.
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Self-Funded Health Insurance

In a self-funded (or self-insured) health insurance plan, the employer assumes the financial risk for providing health care benefits to employees. Instead of paying fixed premiums to an insurance carrier, the employer sets aside funds to pay for employee medical claims directly.
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  • Fully-Insured Plans: You pay a fixed premium rate based upon the number of employees enrolled each month
  • Self-Funded Plans: Company funded programs for providing health care benefits to your employees
  • Level-Funded Plans: Pre-packaged, self-insured health plans with low-attachment stop-loss coverage

Transitioning from medicaid to private insurance OR FROM PRIVATE INSURANCE TO MEDICARE

If you’re looking to transition from Medicaid to private insurance, or you’re now eligible for Medicare, we can help with that too! We will review all of your options with you and, together, we can find the best insurance plan for your unique needs. 

What we Can Help You With

  • Comparing the benefits of different private insurance plans
  • Providing a smooth transition to private insurance
  • Answering any questions you have regarding your new plan
  • Looking into secondary insurance options if you're eligible for Medicare

Other Insurance Plans

Dental
Insurance

We match you with the best dental insurance. Benefits include dental checkups and preventative care like prophylaxis, as well as coverage for cavities, crowns, bridges, dentures, and orthodontics.

Vision
Insurance

Get a quote for affordable, quality vision insurance for yourself, your family, or your employees. Benefits include eye exams and medical eye care, as well as discounts on eye wear and contacts.

Medicare Supplement Insurance

We can help you transition from private insurance to Medicare. Let’s talk about your healthcare needs, and we can work together to find you the best and most affordable Medigap plan.

Group Disability
Coverage

We can provide coverage that allows for income replacement for employees unable to work due to illness or injury, ensuring financial stability and peace of mind, offered through employers.

Group Life
Insurance

This benefit provides financial protection to employees’ beneficiaries in the event of the employee’s death, offered through employers.

GET A NO-OBLIGATION QUOTE FOR HEALTH INSURANCE

Health insurance is one of the most complex systems to navigate, and we are proud to say that you don’t have to do it alone. To receive a health insurance quote or to customize a plan just for you and your needs, contact us for a free consultation today.

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Fully Insured Health Insurance

What is it?

A fully insured health insurance plan is a traditional model where the employer pays a fixed premium to an insurance carrier. The insurance company then assumes the financial risk and responsibility for providing health coverage to employees.

Key Features

  • Predictable Costs: Employers pay a fixed monthly premium, making budgeting straightforward.
  • Ease of Administration: The insurance company handles all claims processing and administrative tasks.
  • Financial Stability: Ideal for small to medium-sized businesses seeking financial predictability and minimal management duties.

Level-Funded Health Insurance

What is it?

Level-funded health insurance is a hybrid model that combines elements of both fully insured and self-funded plans. Employers pay a fixed monthly fee that covers administrative costs, stop-loss insurance, and a maximum claims liability.

Key Features

  • Fixed Monthly Payments: Provides predictability in budgeting and mitigates the risk of unexpectedly high claims.
  • Surplus Refunds: If actual medical claims are lower than expected, employers may receive a refund of the surplus at the end of the plan year.
  • Data Insights: Employers receive detailed monthly reports on healthcare utilization, helping them manage costs more effectively.

Fully Insured Health Insurance

What is it?

In a self-funded (or self-insured) health insurance plan, the employer assumes the financial risk for providing health care benefits to employees. Instead of paying fixed premiums to an insurance carrier, the employer sets aside funds to pay for employee medical claims directly.

Key Features

  • Cost Savings: Potential for significant cost savings by avoiding insurer profit margins.
  • Customization: Greater flexibility to tailor benefits to meet specific needs and goals.
  • Risk and Reward: While there is potential for cost savings, employers also bear the risk of high claims costs.