Cuisine Celebration

Denver Restaurant Week is fast approaching, but it does not have to put a kink in your healthy eating habits if you decide to participate.  There are many healthier options provided that offer lean meats, steamed vegetables, salads, and sorbets for dessert.  Vegetarian and gluten free options are plentiful as well.  Denver Restaurant Week is […]

Fall in Love with the Outdoors

February is American Heart Health Month and a perfect time to fall in love! How about falling in love with the outdoors? Recent studies have shown that physical activity in the U.S. is down by 32%, so 9Health Fair and Get Outdoors Colorado have teamed up to bring you fun and new ways to enjoy […]

Resource Roulette

To learn more about heart disease or how to reduce cholesterol intake, how do you navigate through 644 million active websites to find the few that will provide true, evidence-based suggestions and guidance?  To start with, select websites that end in .gov, .org, or .edu.  These sites have a higher chance of being trustworthy.  In […]

Rainbows Taste Delicious

Do you eat an apple a day?  While that is certainly good for you, experts say “no single fruit or vegetable provides all of the nutrients you need to be healthy.”  Harvard School of Public Health says eating a variety of produce rich in natural colors of the rainbow has many health benefits, such as […]

Five Things to Know About Your Health Insurance Policy

·         1. Know what the policy covers and does not cover. Are there items or services the insurance will not cover (known as exclusions and limitations)? If consumers have specific health issues which require certain providers, lab work, and particular prescription drugs, they need to understand how, and if, those expenses are covered.

·        2.  What is the deductible and what time period does it cover? The deductible refers to the amount of money that the covered person needs to pay before the health insurance pays for services and procedures. Generally, a higher deductible means a lower premium.

·         3. In addition to the premium, what are the other financial responsibilities? Is there a co-payment for a visit to a health provider or for prescription medication? Does the plan use  co-insurance? If so, what amount does the consumer pay? What is your out-of-pocket maximum? The health insurance policy should state the consumer’s financial responsibilities.

·         4. Does the insurance plan offer coverage for out-of-network doctors? While many plans offer coverage when out-of-network doctors and providers are used, some do not, except for emergency care.  Out-of-network coverage often requires different co-pays, co-insurance and deductible amounts.

·         5. Understand how the health insurance policy may be renewed or cancelled by the consumer or the insurance company. Consumers need to know what they need to do each year to renew the policy, or if it renews automatically.

Consumer Assistance
The DOI is an information resource for consumers.  People with questions or who feel they have been treated unfairly can call DOI or visit our website.

Call 303-894-7490 in the Denverarea; 800-930-3745 outside the metro area, or visit:


Health insurance is important… and complicated, but consumers need to understand what they purchased.  Don’t wait for a crisis to find out what is and isn’t covered in your health insurance policy.  As people take the time to read their policies, the Division of Insurance (DOI) suggests the following 5 areas as key starting points […]