Workers' Compensation:

Individual Insurance:

	“Through the years I have dealt w/several contact people and everyone has been very helpful. If I don’t understand something I know I can call and get help to understand our policies”. ~ Julie Tengel . Lost and Found

Colorado Nonprofit Insurance Agency contracts with a number of insurance companies to offer nonprofit organizations a variety of plans with varying copayments and premiums. The plans available include the following:

• Health Maintenance Organization (HMO)
• Point of Service (POS)
• Preferred Provider Organization (PPO)
• Health Savings Account (HSA)
• Indemnity Plan

Most plans contract with a variety of hospitals and physicians for services in-network. The amount paid for each service in-network is listed on a plan design. On some plans, you may elect to use a hospital or physician not listed in the directory or out-of-network. The amount paid for out-of-network services will be reduced by the insurance company.

Employers are eligible to participate in small-employer health plans if they have met the following criteria:

• The number of eligible employees is 1-50 (Eligible employees are those regularly scheduled to work 24 or more hours per week. Employees who work on a temporary or substitute basis are not eligible.)
• The employer must contribute at least 50% of the premium for employee-only coverage.
• At least 75% participation of eligible employees who are not covered by qualifying existing coverage (e.g., covered under individual policies outside the group, or covered under a spouse’s health plan) by enrollment in the small-employer health plan.

Eligibility/enrollment information for groups of 2-50 employees:

• Employers must submit:
  1. Group application completed by the employer selecting a plan and identifying the waiting period for coverage
  2. Uniform employee applications with health questionnaires for each employee
  3. A copy of the most recent wage and tax statement
  4. A copy of the current health plan billing
  5. A check for the first month’s premium made payable to the carrier
• Employees waiving coverage must complete a waiver form located on page 2 of the uniform employee application. Copies of current ID cards must accompany the waiver form.
• Eligible dependents are covered up to age 19, or age 24 if a full-time student.

Eligibility/enrollment information for groups of one employee:

• The nonprofit must have been in existence for at least one year
• The employee worked 24 hours or more per week on a permanent basis for one year for the nonprofit
• A single employee must be medically underwritten and approved to enroll in a health plan other than Standard or Basic State mandated plans
• Open enrollment or guaranteed issue is available for Standard and Basic plans only during one of the qualifying events listed below:
  1. Within 31 days of his/her birthday
  2. Involuntary loss of coverage including COBRA or State Continuation
  3. The date an employee meets the qualification requirements
• Must provide employment related tax and withholding information

NOTE: Documentation requirements may be different for each carrier.

If your nonprofit organization has met the above criteria or if you have any questions, contact Colorado Nonprofit Insurance Agency (click here) for more information about quotes and enrollment options.