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Colorado Major Medical Insurance

What is Major Medical Coverage?

Major medical coverage is a broad term used to describe a comprehensive healthcare policy.  Major medical insurance plans range in coverage. Some things a policy may cover include doctor visits, hospital stays, x-rays, preventative care, mental health and other such basic health care services.

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Why is Major Medical Coverage so important?

Many people make one major mistake concerning major medical coverage: they do not get a policy until they need one.  A Major Medical Policy can be very helpful financially if you fall ill or are seriously injured.  A good policy will help cushion some of the financial blows an extended stay in the hospital, repeated doctor visits, or an ambulance ride may incur.  However, if you wait until you are in such a state to get a policy, you will most probably be denied.  At the very least, you will have to pay very high fees for your policy.  Most policies do not cover what they determine are “pre-existing conditions” for a year.  So even if you don’t think your budget can handle a Colorado Major Medical  Insurance policy right now, consider the much higher costs you could incur if you don’t apply for a policy while you are helpful.

What are some typical Major Medical Coverage options that are available to me in Colorado?

There are a number of major medical coverage policies to choose from in Colorado.  Some of the major ones are listed here:

  • HMO
  • PPO
  • SDHP
  • HSA
  • Fee for Service

If it is not already included in your plan, most companies offer the following add-ons:

  • Pharmacy
  • Dental
  • Vision
  • Alternative Health (chiropractic, etc.)

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Colorado Health Insurance does not issue health insurance policies and is not an insurer. The research and product details provided on this site are for informational purposes only. The coverage options and policies discussed on this site may not be available to everyone and differ by state; no guarantees regarding same are made herein.