Know your rights, where to get help and ways to help yourself
There are 25 resources
Know Your Rights
Your rights regarding health insurance
Do you know your rights in regards to health insurance? Do you know how to file a complaint if you are having a problem?
By: State of Colorado Division of Insurance
Can I get government health benefits?
(Separate Website)
This is a free, confidential tool that helps you find government benefits you may be eligible to receive.
By: govbenefits.gov
Preexisting Medical Conditions and Health Insurance
(Separate Website)
The Health Insurance Portability and Accountability Act of 1996 (HIPAA) limits the time a group health plan can stop you from getting coverage because of a "preexisting condition" exclusion.
By: Minnesota Department of Health
Retiree health insurance benefits
(Separate Website)
If you are a retiree, under age 65 and your retiree health insurance benefits are being discontinued this information is for you. (Please note: this document is a Microsoft Word document - you must have Microsoft Word on your computer in order to be able to open this document.)
By: Health Assistance Partnership
CoverColorado (Health Insurance)
This program offers health insurance to Colorado residents who cannot purchase affordable health insurance because of preexisting medical conditions.
By: Colorado Legal Services
The Public Employees' Retirement Association (PERA)
PERA provides public employees of the State of Colorado with retirement, disability and survivors benefits.
By: Colorado Legal Services
What to do when TRICARE says no
(Separate Website)
If you have a dispute with a decision about your benefits made by TRICARE Management Activity (TMA) or by a TRICARE contractor (in regards to your Military Healthcare Plan), you have the right to to ask for another opinion on the decision.
By: U.S. Department of Defense
Healthcare for active duty and retired members of the uniformed services
(Separate Website)
This Web site explains the rules for TRICARE. This is health care for active duty and retired members of the uniformed services (Army, Air Force, Navy, Marine Corps, Coast Guard, Public Health Service, or the National Oceanic & Atmospheric Administration), their families, and survivors.
By: U.S. Department of Defense
Health Insurance Beyond Medicare
(Separate Website)
This chapter in the Senior Law Handbook has information on how to compare policies, employers group health insurance plans, long-term care insurance and more. (The Senior Law Handbook is a project of the Colorado Bar Association's Elder Law Forum Committee and the Trust and Estate Section.)
By: Colorado Bar Association - Senior Law Handbook
Long term care insurance
(Separate Website)
This website page has questions and answers such as "What is long-term care?, What does it cost?" and information about insurance policies.
By: State of Colorado Division of Insurance
Handling disputes with your employer or private health plan
(Separate Website)
This guide will help you through your employer or private health plan's internal review procedure and any external review program your state may have. The guide is not for people who have Medicare or Medicaid coverage.
By: Kaiser Family Foundation
A guide to the appeal process for private insurance
(Separate Website)
Tips on how to appeal a denial if you have private insurance.
By: Patient Advocate Foundation
A Consumer Guide to Handling Disputes with Your Employer or Private Health Plan
(Separate Website)
This is the most current update - 2005. This guide will help you navigate your employer or private health plan?s internal grievance procedure, as well as any external review program your state may have. The guide is not applicable, however, for resolving disputes if you have Medicare or Medicaid coverage.
Filing Your Group Health Claim If your group medical and dental benefits are provided by your private sector employer (not a government unit or religious group), this information applies to you. (You must have Acrobat Reader on your computer to open this file. Scroll down to the bottom of the page and click on the Acrobat icon to download.)
By: American Bar Association and the Law in Public Service Committee of the Tort Trial and Insurance Practice Section
A Consumer's Guide to Getting and Keeping Health Insurance in Colorado
(Separate Website)
By: healthinsuranceinfo.net
Temporary Health Insurance Option
(Separate Website)
Temporary health insurance available for employees (and their families) who have been terminated or those who lose coverage because of reduced work hours.
By: COBRA Health Insurance
Health insurance for Seniors and people with disabilities
(Separate Website)
Medicare is a health insurance program for people 65 years of age and older, some disabled people under 65 years of age, and people with End-Stage Renal Disease (permanent kidney failure treated with dialysis or a transplant).
By: U.S. Department of Health & Human Services
Private Insurance Checklist
(Separate Website)
Questions to guide you as you learn about a managed care plan and the needs of a child with special health care needs.
By: Family Voices
A Guide to Health Services for the Uninsured in Colorado
(Separate Website)
Download this guide to health services for uninsured individuals. Go to the website and click on the links on the left side of the page. (You must have Acrobat Reader on your computer to open this file. Scroll down to the bottom of the page and click on the Acrobat icon to download.)
By: Colorado Consumer Health Initiative
Divorce and insurance
(Separate Website)
After a divorce, you will still want to make sure that your children have health insurance. Learn how you can keep them covered.
By: National Health Law Program - HealthCareCoach.com
Health coverage for your special needs child
(Separate Website)
When your child has special health care needs, the Medicaid program may offer the coverage that you need to keep your child healthy and active.
By: National Health Law Program - HealthCareCoach.com
Health insurance for college students
(Separate Website)
Check out these tips for taking care of your child's health insurance needs if you have a son or daughter who is getting ready to leave for college.
By: National Health Law Program - HealthCareCoach.com
Insurance to Supplement Medicare
(Separate Website)
If you want to stay in original Medicare, you may want to look into your options for supplemental coverage. Without such coverage, your out-of-pocket costs could be high if you require medical care. Supplemental insurance helps pay the deductibles and coinsurance costs that original Medicare does not cover.
By: Kaiser Family Foundation
Know Your Rights
(Separate Website)
If government agents question you, it is important to understand your rights. You should be careful in the way you speak when approached by the police, FBI or DHS. If you give answers, they can be used against you in a criminal, immigration, or civil case.
By: American Civil Liberties Union
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Talk with a Lawyer on Law Line 9
An advice line providing brief direction on legal problems.
By: Channel 9 News in Denver, Colorado
Adobe Acrobat Reader required. (If you are using a screen reader that does not support PDF format, copy the PDF link, and use the Access Adobe online form to convert this file to HMTL text.)
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