SOLO Health Plans

HSA for America is an independent authorized Rocky Mountain Health Plans agent.  As an authorized agent, HSA for America is proud to offer the lowest rates available for SOLO Health Plans.  Our site has complete information and instant quotes and we are also available to answer your questions.

Rocky Mountain Health Plans offers three Health Savings Account (HSA) plans that allow you to start a tax deferred savings account.   HSA Plans are our most popular plans because they offer low premiums and tax advantages, such as tax-free earnings and tax deductions to lower taxable income.

Available plans

To check out the available plans offered by Rocky Mountain Health Plans, run an instant quote below.

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Rate Information

PPO Network

Underwriting

Effective Dates

About Rocky Mtn. HP

 

Plans at a Glance

In all three options, services from in-network doctors are 100-percent covered and out-of-network doctor services are covered at 50-percent after deductibles have been met.  Inpatient hospital care is covered at the same percentage:  100 percent for in-network and 50 percent for out-of-network once deductibles have been met.  Note that your out-of-pocket annual maximums do not include deductibles. 

Prescription drugs are covered only through participating retail and mail-order pharmacies.  Access to participating pharmacies is available nationwide.  Please refer to their website to locate participating pharmacies, or for more information about drugs on their approved list.

These plans also allow you to add an accident rider, which will cover up to $1,000 per accident, after which co-insurance, copays and deductibles apply.

The following chart is a general overview of plan features.  The policy contains the actual terms and conditions.  Waiting periods, limitations and exclusions apply.

HSA Plan Name	Deductible Individual / Family		Office Visits		Inpatient Hospital Stay (after deductible)		Out-of-pocket  Maximum Individual / Family (does not include deductible)		Optional Accident Rider
	In Network	Out of Network	In Network	Out of Network	In Network	Out of Network	In Network	Out of Network
SOLO  Outlook HSA 2500/100 Plan Description Form Prescription Drug Options	$2,500/ $5,000	$5,000/ $10,000	100% covered after deductible	50% after deductible	100% covered after deductible	50% after deductible	$2,500/ $5,000	$7,500/ $15,000	Optional rider: $1 to $1,000 covered in full for each accident then deductible, copays, and coinsurance apply.
SOLO  Outlook HSA 3250/100 Plan Description Form Prescription Drug Options	$3,250/ $6,500	$7,500/ $15,000	100% covered after deductible	50% after deductible	100% covered after deductible	50% after deductible	$3,250/ $6,500	$10,000/ $20,000	Optional rider: $1 to $1,000 covered in full for each accident then deductible, copays, and coinsurance apply.
SOLO  Outlook HSA  5000/100 Plan Description Form Prescription Drug Options	$5,000/ $10,000	$10,000/ $20,000	100% covered after deductible	50% after deductible	100% covered after deductible	50% after deductible	$5,000/ $10,000	$17,500/ $35,000	Optional rider: $1 to $1,000 covered in full for each accident then deductible, copays, and coinsurance apply.

 

How to Apply:

Rocky Mountain Health Plans are not quoted using our main quote service.  CLICK HERE to view quotes and apply for the plan you prefer.  Please note that Internet Explorer is required to apply online.  You may also download the application, fill it out and fax it to us at 1 (866) 284-0082.  We will then stay in touch with you during the underwriting process to keep you informed of the progress.

Rate Information:

Rates for Rocky Mountain Health Plans are not currently available on our instant quote page, and instead can be run here.  The initial premium can be paid with a Discover, MasterCard or Visa credit card, but American Express is not accepted.  For subsequent months, you may continue automatic monthly charges to your credit card or set up automatic monthly withdrawals from your bank account.  If you choose to be billed instead, payments will switch from monthly to quarterly.

Effective Dates:

Rocky Mountain Health Plans effective dates are the 1st or the 15th of the month.  Your credit card will not be billed until your application has been approved.   For those who are already covered, it is suggested that you maintain your current coverage in force until you have received notice from either HSA for America or directly from Rocky Mountain Health Plans that your coverage has been approved and is in force.

Child-Only Coverage:

All health insurance companies selling individual plans in Colorado, and several other states, are required to make at least one plan available for child-only coverage.  Rocky Mountain Health Plans make all SOLO Outlook and SOLO Outlook Active plans available for children applying without a parent or guardian on their application.  The HSA plans are not available, though.   

Rocky Mountain Health Plans provide child-only policies for all children under age 19 on a guaranteed-issue basis, without any limitations or riders based on health status. 

Child-Only Open Enrollment:

The child-only open enrollment periods are the entire months of January and July in Colorado, but children who experience a qualifying event during a different month may apply at that time. 

The open enrollment period must be followed by a 30-day waiting period before the child-only plan can take effect.  Coverage will be subject to the premium in effect for SOLO plans as of the date the plan becomes effective. 

Child-Only Qualifying Events:

Enrollment will be permitted for qualifying events consistent with Colorado law, which includes birth, adoption, marriage, dissolution of marriage, loss of employer-sponsored health insurance, loss of eligibility for Medicaid or the Children's Basic Health Plan, a valid court order mandating the child be covered, or involuntary loss of other existing coverage for any reason other than fraud, misrepresentation or failure to pay premiums.

Applications for enrollment following a qualifying event must be received within 30 days after the date of the qualifying event.  Rocky Mountain Health Plans requires applications be received by the 5th of the month for coverage to be effective the first day of the following month.  Applications received after the 5th of the month will be effective on the first day of the second month following receipt of the application.  Effective dates are also contingent on receipt of any additional information that may be requested by the medical underwriter.

PPO Network:

All of the above Solo Health Plans are Preferred Provider Organization (PPO) plans.  Having access to the PPO network can mean substantial discounts in what you pay for your health care, even before you meet your deductible.  Statewide, 3,000 providers participate in the network.  You may search for providers at the Rocky Mountain Health Plans Provider Directory.  Click the green “Find a Provider” button and select “Rocky Mountain Health Plans Network” from the drop-down menu by Network.

Underwriting:

The process is very fast if no medical records are needed.  Rocky Mountain Health Plans advises to apply at least ten business days prior to the time you need your new coverage to take effect.  It could take less time, but if medical records must be ordered, the application process will take longer.  Effective dates are on the 1st and 15th of the month.

If you have a pre-existing condition, please let us know before you apply so we can avoid unnecessary delays in getting you covered.

Underwriting actions can range from acceptance, request for medical records, placement on a higher rate tier and/or denial.  Children up to age 19 will not be denied coverage.  Final underwriting action will be subject to review of the underwriting staff and is contingent on the individual circumstances of each applicant.

About Rocky Mountain Health Plans:

Rocky Mountain Health Plans (RMHP) is an independent, not-for-profit health benefits provider that has served the health care needs of Coloradans for more than 30 years.  Founded in 1974, they offer a wide range of medical benefit options, including PPO and Health Savings Account-eligible plans.
The organization’s headquarters is in Grand Junction and regional offices are located in Colorado Springs, Denver, Durango and Pueblo.

For more than 30 years, Rocky Mountain Health Plans has remained independent in an industry where buyouts and consolidations are routine.  They continue to make decisions at the local level.
They currently serve the needs of nearly 180,000 members and nearly 190,000 individuals outside of their membership through charitable contributions and the Rocky Mountain Health Plans Foundation.
Awards and recognition include:

• Named a Colorado Top Company by ColoradoBiz magazine for financial performance, business excellence and community involvement
• Named a Well Workplace by the Wellness Councils of America for promoting  wellness programs  to employer groups
• Awarded the 2006 Innovation and Excellence Award in Chronic Care by the America's Health Insurance Plans Foundation for Improving Diabetes Outcomes in Mesa County, Colorado initiative

They have been rated A+ (Excellent Financial Strength) by Weiss Ratings.  The A+ rating is the highest grade possible from Weiss and places them on the Recommended List of companies, an elite group of 22 health insurance companies representing the top 3.8 percent of the industry.