About Us

Health Insurance Made Simple

Trying to find a health insurance policy that meets your individual needs and has the best rates can be frustrating and seem overwhelming. We compare the rates of competing health insurance companies in Colorado for the same insurance coverage for you so that we can offer you the best possible rates for the type of coverage you need. We are a small, Colorado based insurance brokerage. Because we are not a middleman, we provide honest, unbiased advice about the best policy for your needs and personalized customer service at no cost to you. We have over 10 years of experience shopping for the right coverage to fit into your individual financial plan. By telling us what your preferences are and what you need covered, we compare your options and show you what health insurance plans work best in your situation. We can meet with you in person or consult with you by phone, email, or online chat. Or, if you would rather do it yourself, you can use the tools on this website to compare your options, understand the terms used, and even apply online. Whatever you prefer, there is no cost to use our service because health insurance is priced the same no matter where or how you buy it. Everybody has different preferences about how to find the the best health insurance policy for their needs. Some people like us to do all of the work, others like to use our user friendly software to compare their health insurance options side-by-side in a no-pressure setting, and most people are somewhere in-between. However you would like to go about it, there is no cost to you because we are not a middleman and we will still help you after you apply for health insurance with: underwriting, questions with claims, keeping your coverage up to date with your changing needs, etc. Use the navigation bar to the left to get help with the type of insurance you need. 

Need help understanding health insurance terms? Use our Glossary, or call us with your questions.

Big News in Health Care - HSAs 

Health Savings Accounts (HSAs) are a new, federally authorized, healthcare financing account, available to anyone with a qualified high deductible health insurance plan. Save on insurance premiums, then use the savings from the reduced premiums to help fund your health savings account. The money in your account can go toward a large list of legitimate medical expenses. If you remain relatively healthy, money in your health savings account can accumulate, tax free, to literally hundreds of thousands of dollars by the time you retire. Those savings would have normally gone to the insurance company.

Why Should You Use Insurance Advisors? 

We are independent health insurance and life insurance brokers, with no allegiance to any particular company. This gives us the freedom to help our customers choose the health insurance that truly fits their financial needs and risk tolerance. We are authorized agents for: Anthem Blue Cross and Blue Shield, Aetna, PacifiCare, Kaiser Permanente, Sloans Lake, Humana, Cigna, Rocky Mountain Health Plans, United Healthcare, Golden Rule, Fortis/Assurant, Celtic, AMS, Empire, and many more. 

We have a relationship with each of the companies that we represent. This allows us to serve as advocates for our customers, and help them get in touch with the right person when they have a question about their policy. 

We have a very good working knowledge of the companies we represent: 

• benefit options 
• stability of the health insurance and life insurance companies 
• network options for health insurance
• underwriting guidelines

 If a client tells us about their pre-existing conditions, we can save them a lot of time and energy by helping them find the companies that will work best with their particular situation. Every health insurance company is different in how they underwrite their policies.

We're free. We get paid commissions by the insurance companies so the quotes are the same if you use a broker or go directly through the insurance company. Most health insurance in Colorado is done with the help of brokers because there is no disadvantage and there are many advantages to using a knowledgeable broker to guide you in the right direction. You will always get the lowest premium for the same coverage by purchasing your health insurance through us because we can shop for the health insurance plan that fits your financial needs and tolerance for risk using our expert knowledge of what coverage all of the different plans offer. We will also give you more personalized attention, and a balanced perspective about the advantages of choosing one plan over another. We can also act as a liaison between you and the insurance company if you ever have any questions or problems. 

The Colorado Division of Insurance governs the pricing of health insurance, so no insurance company or agency is allowed to sell at a price that is any different from the price set by the commission. So we can find the best plan for your needs at no cost to you. For years, we have been highly recommended in Colorado as a no hassle agency able to find the best coverage for your financial plan. 

We will do whatever it takes to help our customers find an insurance policy that they feel comfortable with. If you are declined with one company or accepted with exclusions you are not comfortable with, that does not mean that you would have the same result with other companies. We make it easy for you by finding the company that does work with your situation. If a client has a medical history that makes it impossible to get insurance with any individual insurance carrier, we will help them get a guaranteed issue health insurance policy. 

We continue to be there for our customers after their policy is in force. We help with benefit questions, and advise them on how to go about a claims process should they need to. We will always be there to answer questions. 

We Make It Easy 

You need to know that your family is covered for the unexpected without giving up too much of your time worrying about how. That's why we're here.

Copyright © 2006 Insurance Advisors Agency - The information provided on this website and by Insurance Advisors is for our clients' informational purposes only and does NOT imply insurance coverage or guarantee price.  Information provided may be inaccurate or out of date.