Open Enrollment Begins in November 2024

Enhance Your Employee Benefits Package

We understand the importance of providing a comprehensive benefits package for your employees and their families.

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Life and Disability

Explore our life and disability insurance options for added security.

Dental and Vision

Discover our dental and vision insurance plans for comprehensive coverage.

Medical Coverage Options

Additional Benefits Available

We work with you to create a tailored plan that not only meets the needs of your staff but also helps in attracting and retaining top talent. Offering the very best benefits, helps contribute to the overall job satisfaction of your team, leading to a more productive and loyal workforce.

Our goal is to support your business in becoming an employer of choice, and we believe that a strong benefits package is a key factor in achieving this. Let us help you take care of your employees, so you can focus on the success and growth of your company.

Experienced Health Insurance Brokers You Can Count On

With over 2 decades of experience, we help you find the best coverage options for your staff and their families, including medical, dental, vision, life, and disability insurance.

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About RMG Health Online

We work with top carriers such as Anthem, United Healthcare, Cigna, and more to provide comprehensive health insurance solutions for your business in Denver, CO.

Health Insurance 101

Here's a very high level view of coverage options, any of which we can help you with

Small Group, Fully Insured - PPO, HMO, EPO plans for groups <100 available from Anthem, Kaiser and Unitedhealthcare that are not underwritten; guaranteed issue that do not consider the overall health of the group or its members. There are specific participation & contribution requirements that vary by carrier.
Small Group, Level Funded - PPO, HMO, EPO plans for groups <100 available from Allstate, Anthem, Cigna, Kaiser and Unitedhealthcare that are underwritten; the overall health of the group's members does determine availability and premium levels. There are specific participation & contribution requirements that vary by carrier. (Although available for groups with <10 members, most effective when groups have 10+)
Large Group - PPO, HMO, EPO plans for larger groups from Allstate, Anthem, Cigna, Kaiser and Unitedhealthcare that are underwritten; the overall health of the group's members does determine availability and premium levels. Available as both fully insured or level funded. There are specific participation & contribution requirements that vary by carrier.
ICHRA (Individual Coverage Health Reimbursement Account) - HMO & EPO plans from Anthem, Cigna, Denver Health, Kaiser, RMHP, Select Health, Unitedhealthcare. With ICHRA, employees enroll individually with the carrier and plan that they prefer. The employer can offer to contribute to the employees health plans much like small group via pre-tax payroll deduction. Both the employer and the employee receive tax benefits similar to group health insurance. Requires some very specific steps and filings to set up a qualified ICHRA program.
Health Share - Not insurance. Available from a number of companies, often religious organizations. A HealthShare is a group of people who have agreed to help with each other’s medical costs. Almost always lower premiums than true health insurance. Likely involve great risks but worth considering.
Individual - Health insurance purchased directly from the carrier or via the Colorado Exchange, usually through a broker like me not tied to employment or an employer.
No Coverage - Assuming all risk for the expenses related to sickness, illness, injury.