At RMG Health, we've been helping small groups, large groups and individuals find the best health insurance plans to fit their needs for over 2 decades. In fact, our family has been in the insurance business since 1952, when our grandfather founded GOBY Agency, right here in Denver, Colorado. We offer peace of mind, coverage from the best carriers available and experience in helping you to find the most cost-effective coverage options for yourself, your family and your business all at the lowest possible prices. We will be here to help you every step of the way from choosing the best insurance plan to fit your needs, assisting you in the application process, confirming coverage and additionally we will be your advocate in working with your insurance company on any claims, billing or coverage issues should they arise. We are available online as well as by telephone, email and/or in person. Also, remember that the insurance company pays us to help you choose the right insurance plan, you pay nothing additional. Please, take advantage of our years of experience, professionalism and top-notch service. While you can buy insurance from many sources online, direct from carriers and from other agents or brokers you will by law pay the exact same premium for the exact same plan regardless. What’s tremendously important is that you have an experienced, professional and well-informed agent/broker to help you choose the right carrier, plan, network, deductible and prescription drug coverage that best meets the needs of you, your family and your staff. That’s exactly what we offer at RMG Health...We look forward to working with you.

If your company has 2-100+ employees, you have literally 1000’s of coverage options. We’ll ask you the right questions, analyze your coverage needs, review your current health insurance plan (when applicable) and find ways to improve upon your current coverage. If you do not have a group health insurance plan in place, we will review with you a detailed proposal showing the best plans available from multiple insurance carriers that meet your needs and that of your staff. If you currently have a group plan in place, we will compare that coverage with what is currently available in the marketplace either confirming that your current plan selection offers you the best overall value or showing you alternative plans that are a better value.

We can often improve upon your current plan selection in one or more ways including:

• Expanding Doctor/Provider/Facility Availability

• Providing Broader Drug/Rx/Formulary Availability

• Offering Tax Savings Through A Qualified HSA Plan

• Changing Carriers

• Adding Supplemental Benefits

• Showing You Level Funding Strategies

• Showing You Coverage Options Via A Captive

• Looking At Self Insurance options

• Lowering Your Monthly Premium
  

We’ll sort through the ​1000’s​ ​of​ ​options​ ​available from​ ​all available carriers​ ​for​ ​health​ ​insurance, vision,​ ​dental​ ​and​ ​life​ ​insurance based on our needs assessment. From there we will put together a detailed proposal that shows your options, present our recommendations and answer all questions for you and your staff. If you currently have a group health insurance plan in place, we will review your coverage to ensure the plan(s) you have best fit your current needs. PPO’s, HMO’s, narrow networks, Rx drug plans, HSA plans, supplemental benefits, co-pays, participation requirements, employer contribution requirements, deductibles…we will help you to make sense of it all and choose the very best plan(s) to fit your needs.

Once we decide on the best plans, we will walk you through exactly what paperwork needs to be completed for enrollment and assist with submitting it all. We will of course always be available throughout the policy year to promptly answer questions for you and your employees.

For January 1, 2022 coverage, it is also tremendously important to understand the role of the annual open enrollment period; November 15th – December 15th. This allows your company to enroll with NO PARTICIPATION REQUIREMENTS. This open enrollment period allows many of our clients to qualify for a group policy when otherwise they may have not qualified.

Individual Health Insurance simply refers to purchasing coverage for you (and your family) individually, rather than through an employer or business group. This is generally either “On-Exchange” or “Off-Exchange.”

For 2024, the Federal Government reinsurance program that began in 2020 will continue. This will help to keep Colorado individual health insurance premiums close to 20% lower than they would be without the reinsurance program. This is great news. There are also a number of new carriers in the market which means more choices, more plan options and new provider network options. However, with these choices, it becomes even more important to understand exactly what you are buying when it comes to health insurance and what providers, doctors, hospitals, drugs are available in your network. Additionally, a new rule will allow employers/employees to use HRA funds to pay for individual health insurance premiums. This should open the door for employees with an employer that does not offer group health insurance to utilize the advantages of an HRA along with potentially also receiving a subsidy a.k.a. Advance Premium tax credit.

The group health insurance market in Colorado and many other states, definitely offers far more carrier/plan options, larger networks, more drug plan choices and policy start date options…Group health premiums are also often less expensive for comparable plans than individual coverage.

If you qualify for a subsidy (APTC), then you must purchase your individual health plan through Connect For Health Colorado or the exchange applicable to your state. If you do not qualify for an APTC, then you can purchase a health either off-exchange or on exchange. By simply answering a few simple questions, we can help you to understand your individual health insurance coverage options, help you decide which option may be best and guide you through the application process.

You can view Anthem Individual Plan options for you and your family HERE.

You can view Kaiser Individual Plan options for you and you family HERE.

You can view United Healthcare/Rocky Mountain Healthplan Individual Plan options for you and you family HERE.

You can view Cigna Individual Plan options for you and you family HERE.

You can view Bright Health Individual Plan options for you and you family HERE.