Your Personal Insurance Guide
Insurance Resource Expert 970.385.4763
How can I help you? See the categories below : )
Call to set up a time. Office: 970.385.4763
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Health Insurance - Request a Quote - Guidance is needed.
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Open enrollment starts November 1st.
Small groups request a quote you might be suprised at how much I can lower your group premium.
Enroll Direct
Not getting a tax credit you can enroll direct.
- Anthem's deadline is the 15th of each month.
- The Medical Cost Share plan by Sedera has a deadline of the 20th of each month for the first of the following month.
Alternative Healthcare
- You choose your which doctor or hospital nationwide
- Lower your monthly if you are not receiving a tax credit
- Lower out of pocket for an event
- Not major medical - This is a medical cost share plan
Do you live 6 months of the year outside the us?
Traveling for fun or longer durations I can help you with an IMG policy,
All Access - Health Insurance Quotes
2024 quotes will be available starting November 1st. I have placed a button below so you can figure out if you or your family would qualify for a credit.
I can you on and off the marketplace. Contact me and we can set a time start putting the pieces together.
Direct Access
If you do not qualify for a credit I am happy to counsel you on what plans might be the best fit for you and your family.
Email me the two best times you have to spend 15 to 20 minutes reviewing your insurance needs.
Southwest Colorado
Anthem and RMHP Health Plans will have the most doctor coverage in Colorado in 2026.
2026 Anthem Summary of benefits
Depending on where you live in Colorado your network will be either Pathway, Pathway Essentials or Mountain Enhanced. The Bronze and Gold plans are identical no matter what netowrk.
Anthem Pathway Bronze 6000Anthem Pathway Bronze 10,300
Anthem Pathway Bronze 8300
Anthem Pathway Bronze 5650
AnthemMTNGold.2050.9600.pdf
AnthemBronzeOption.pdf
AnthemPathwayCatastrophic.pdf
2026 RMHP Summary of Benefits
Depending on where you live in Colorado you will be in one of the following networks: Valley, Colorado Doctor's Plan, Monument Health and Monument One.
RMHP Bronze OptionRMHP Bronze Essential
RMHP Bronze HSA
Bronze Value 7000
Bronze Value 8000
RMHP Bronze Focus
RMHP Gold Option
RMHP Gold Value
RMHP Benefits at a Glance
RMHPBenefitsSnapShot.pdfRMHP Plan Extra Details 2026
PY25_CO_Snapshot.pdfPY2025_Benefit_Grids.pdf
PY25_Network_Maps_CO.pdf
Diabetic Supplies Option Plans
Diabetic Supplies Value Plans
0 Copay Medication List
RX List Updates
Pharmacy Benefits Diabetes
RXDiabetesBenefits.pdfRX Pre-Authorization
RXPreauthorization.pdf2026 Denver Health Summary of Benefits
Denver Health has the network Elevate in certain counties throughout Colorado.
Denver Health Bronze OptionDenver Health Bronze HDHP
Denver Health Gold Option
Northern Colorado Insurance Plans
Are all the companies you see here above and below.
2026 Cigna Summary of Benefits
Cigna Connect Bronze Option 7500Cigna Connect Flex Bronze Option 10,600
Cigna Connect Flex Bronze Option 7200
Cigna Connect Gold Option
Cigna Connect Flex Gold 1200
Cigna Connect Flex Gold 1800
Cigna Connect Flex Gold 2700
Cigna Connect Bronze HSA 6500
2026 Kaiser Summary of Benefits
Kaiser has two networks on the marketplace. Kaiser - KP Colorado & KP Select
Kaiser KP Colorado Bronze OptionKaiser Bronze 6500 HSA
Kaiser Bronze 6500
Kaiser Bronze 7500
Kaiser Bronze 8500
Kaiser Gold Option
Kaiser Gold 1500
Kaiser Gold 7500
Kaiser Gold 2000
Kaiser Gold 3400
Kaiser Gold 2050
Select Health
Plan Grid 2026Brochure
2026 Select Health Summary of Benefits
Select Health Value is the main network in Colorado.
Select Health Value Bronze OptionSelect Health Value Bronze 6900
Select Health Value Bronze 8500
Select Health Value Option Gold 2050
Select Health Value Gold 0
Select Health Value Gold 1500
Select Health Value Gold 2200
The Famous Injury Rider
- I have a couple of different injury riders and they do about the same thing.
- The rider pays for your out of pocket on your main major medical health insurance plan.
- Injury riders can also be stand alone.
WBA Benefits
ComprehensiveInjuryRider.pdfYou Can go to any Dentist
I offer group and individual dental plans. Request a quote.
Cigna Dental
Dental you can go to any dentist. Or stay in a network for greater discounts.
Cigna 1500Cigna 3000
Dental Description Details
BasicPlan.pdfEnhancedPlan.pdf
PremiumPlan.pdf
ProgressivePlan.pdf
ClearPlan.pdf
Vision Insurance
DeltaVision200.pdfDeltaVision150.pdf
Life Insurance Review Service
Life Insurance review service.
Learn what life insurance can do for you. Family is Important.
You may have a policy already in place. Did you know Life Insurance has dramatically changed in the last 5 years?
Request for me to either email you or help you fill out a one page form to see if I can add more benefit and lower your insurance premium.
Be amazed at how a new life insurance can help with an unexpect illness while your living or the death of a partner.
2026 Anthem Silver Summary of Benefits
Depending on where you live in Colorado you will see three networks: Pathway, Pathway Essentials and Mountain Enhanced.
Anthem Silver Option 100.950Anthem Silver 0.1400
Anthem Silver 50.1000
Anthem Silver 50.1150
Anthem Silver 75.1150
2026 RMHP Silver Summary of Benefits
Depending on where you are located in Colorado there are four networks: Valley, Colorado's Doctor's, Monument Health and Monument One. The plans below are identical except the network.
RMHP Silver 100.2750RMHP Silver 0.3000
RMHP Silver 50.3200
RMHP Silver 100.1375
RMHP Monument 100.1200
RMHPSilverOption73.2850.8000.pdf
RMHPSilverValue4000.7800.pdf
2026 Cigna Connect Silver Summary of Benefits
CignaSilverOption100.1375.pdfDenver Health Silver Summary of Benefits
Denver Health Silver 100.13752026 Kaiser Silver Summary of Benefits
Kaiser has two networks.
Kaiser Silver Option 100.1375Kaiser Silver 50.2500
Kaiser Silver 50.2550
Kaiser Silver 75.2550
Kaiser Silver 100.1375
Kaiser Silver 200.3350 HSA
Select Health
Select Health Silver Option 100.1375Select Health Silver 0.3100
Select Health Silver 0.3150
Select Health Silver 0.3400
Medicare & Medicare Supplement Help
Do you have questions about Medicare?
Would you like help with the transition?
I can fill you in on all the details.
If your over 65 and would like to make sure your getting the best rate on your medicare supplement, I can do a price check.
2026 Anthem Silver Summary of Benefits
Anthem Silver OptionAnthem Silver 700.2900
Anthem Silver Option 800.2800
Anthem Silver Option 1000.2495
Anthem Silver Option 850.3100
Anthem Silver Option 900.2600
2026 RMHP Silver Summary of Benefits
RMHP Silver OptionRMHP Silver 1000.3400
RMHP Silver 800.3350
RMHP Silver 900.3350
2026 Denver Health Summary of Benefits
Elevate Denver Health2026 Cigna Silver Summary of Benefits
Cigna Connect Silver Option 950.3350Cigna Connect Silver 475.3000
Cigna Connect Silver 950.2900
Cigna Connect Silver 1000.2825
Cigna Connect Silver 1175.2845
2026 Select Health Summary of Benefits
Select Health Silver OptionSelect Health Silver 100.3300
Select Health Silver 350.3150
Select Health Silver 425.3400
2026 Kaiser Silver Summary of Benefits
Kaiser Silver Option 950.3350Kaiser Silver 275.3350
Kaiser Silver 500.2850
Kaiser Silver 900.3350
Kaiser Silver 1000.3250
