Feel comfortable in the plan you choose
Medicare Overview
Health insurance for seniors typically refers to insurance plans and programs designed to cater to the healthcare needs of individuals aged 65 and older. Here are some key features and considerations:
-
Most seniors in the United States rely on Medicare, a federal health insurance program. It consists of several parts:
Medicare Part A: Covers hospital stays, skilled nursing facility care, hospice care, and some home health care.
Medicare Part B: Covers doctor visits, outpatient care, preventive services, and some medical equipment.
Medicare Part D: Provides prescription drug coverage.
-
Also known as Medicare Supplement Insurance, these are private health insurance policies that help cover costs not covered by Original Medicare (Part A and Part B), such as copayments, coinsurance, and deductibles.
-
Offered by private companies approved by Medicare, these plans provide all Medicare Part A and Part B coverage and often include additional benefits like vision, dental, and wellness programs.
-
Medicare Part D or Medicare Advantage plans with prescription drug coverage are crucial for seniors who require regular medications.
-
Individual/ Family Plans Overview
The Affordable Care Act (ACA), also known as Obamacare, introduced significant reforms to the healthcare system in the United States with the aim of increasing access to affordable health insurance coverage. Here are the key features and components of ACA health insurance:
-
The ACA established online marketplaces (also known as exchanges) where individuals and small businesses can shop for health insurance plans. These marketplaces offer a range of private health insurance options that meet ACA standards for coverage and benefits.
-
The ACA provides financial assistance to help individuals and families with low to moderate incomes afford health insurance premiums and out-of-pocket costs. These subsidies are available based on income and are designed to make coverage more affordable.
-
The ACA allowed states to expand their Medicaid programs to cover more low-income individuals and families. Medicaid expansion extended coverage to millions of uninsured Americans who were previously ineligible for Medicaid.
-
The ACA includes various consumer protections, such as limits on annual out-of-pocket costs, guaranteed access to preventive services without cost-sharing, and requirements for insurance companies to spend a certain percentage of premium dollars on healthcare services rather than administrative costs or profits (known as the medical loss ratio).
-
Don’t forget to add us as Your broker to help!
How to add Blossom Brokerage as your broker to help: Authorizing us lets us help you with your health coverage directly through Connect for Health Colorado.
Here’s how to do it:
Go to connectforhealthco.com
Click “Get Coverage” or “Login” (top right)
Once logged in, click “Find Expert Assistance in Your Community” under the “Get Assistance” tab
Click “Find a Broker” (not “Have a Broker Call You”)
Search using our zip code: 80631 and name Blossom Brokerage Inc.
Click “Authorize” and confirm by checking the box
Done! You’re officially linked with Blossom Brokerage 🌼
Need help? We're just a call o
Dental/ vision
Coverage that sees the full picture.
Your health doesn’t stop at medical care — that’s why we offer dental and vision options that protect your smile and your sight. Whether it’s preventive cleanings, new glasses, or more advanced care, we’ll guide you to the right plan for your needs and budget.
-
• Routine exams, cleanings, and X-rays
• Fillings, crowns, root canals
• Dentures and bridges
• Orthodontics (varies by plan)
-
• Annual eye exams
• Prescription lenses and frames
• Contact lenses
-
We work with a wide range of providers to find stand-alone plans or ones that can be bundled with your ACA or Medicare coverage.
-
Hospital Indemnity Overview
Supplemental insurance that pays you a fixed cash benefit if you're admitted to a hospital, regardless of what your main health insurance covers. It’s designed to help with the out-of-pocket costs that come with hospital stays.
-
These benefits can be used for Deductibles and co-payments, Out-of-network care and treatment, Medical testing, Therapy and rehabilitation, Lodging or transportation costs.
-
No, It's not a replacement for health insurance, but a financial cushion that helps reduce the stress of unexpected medical costs.
-
People with high-deductible health plans, families with kids. Older Adults or those with a chronic condition! And anyone looking for peace of mind.
Even a short hospital stay can create financial stress.
Travel Inurance
Travel health insurance provides coverage for unexpected medical expenses that occur while you're traveling, such as illnesses, injuries, emergency care, and hospitalization. It helps protect you from high healthcare costs when you're away from home.
-
Plans are available to United States residents, age 95 and younger and enrolled in a Primary Plan*. Children under age 6 must be enrolled with a parent. The initial purchase must be made in your home country prior to departing on your trip.
Eligible family members (if applicable) must be your spouse, civil union partner or domestic partner age 95 and younger, and / or your eligible child(ren) or other eligible dependent(s) - see Eligible Dependents. Eligible family members must also be resident(s) of the United States and traveling outside the United States and scheduled to spend at least 24 hours away from his/her home.
*Primary Plan is a Group Health Benefit Plan, an individual health benefit plan or a governmental health plan designed to be the first payer of claims (such as Medicare) for an Insured Person prior to the responsibility of this Plan. Such plans must have coverage limits in excess of $50,000 per incident or per year to be considered a Primary Plan. PLEASE NOTE: Medicaid and VA health plans do not constitute primary health insurance because they are not defined as the first payer of medical claims. The Primary Plan does not need to be a Blue Cross and/or Blue Shield medical plan in order to be eligible.
An Eligible Dependent means a person who is the Eligible Participant’s:
1. Spouse; civil union partner, or domestic partner;
2. Natural child, stepchild or legally adopted child who has not yet reached age 26;
3. Own or spouse’s, civil union partner’s or domestic partner’s own child, of any age, enrolled prior to age 26, who is incapable of self support due to continuing cognitive impairment or physical disability and who is chiefly dependent on the Eligible Participant. The Insurer requires written proof from a Physician of such disability and dependency within 31 days of the child’s 26th birthday and annually thereafter.A person may not be an insured Dependent for more than one Insured Participant
-
No, It's not a replacement for health insurance, but a financial cushion that helps reduce the stress of unexpected medical costs world wide.
-
Questions before getting started?