Asking About Insurance

Our agents are able to assist you in shopping for insurance FOR FREE.

We can help you

Understand your current plan: how to use it better, why you are being charged the way you are, and how to save money on medical costs with it
Shop for other plans that might save you more money
Compare hundreds of quotes and carriers to find the very best value for your unique situation
Qualify for cost-assistance programs (subsidies / Obamacare): 77% of clients qualify for subsidy, and 60% of those pay less than $10 per month!
Use your insurance to save for retirement and reduce your tax liabilities
Listen to hold music for you and help you talk to your insurance carrier
And much more!
For FREE

Why is it free?

Read a little more about us: Brachfeld Insurance Services is independent, small family owned - helping Colorado residents understand insurance for free for over 30 years! "Get Insured, Not Confused"

Reduce costs on the Exchange

77% of clients qualify for savings, and 60% will pay less than $10 per month!

Our Agents are specially licensed and undergo hundreds of hours of training to keep up on the latest laws and regulations - and have decades of experience in the field. We know better than most how to help you in your application for assistance. So it makes sense to contact us and let us help you save on health insurance. Especially when you can do so for FREE.

Missed Open Enrollment? Need to switch?

If you missed open enrollment, even if you just need to switch plans, we may be able to still help you get covered.

We also can consider indemnity plans. And ought to even if you get covered. IndemnityIf you or your partner were to go to the hospital, they would pay out a flat amount to help compensate you for lost income and additional expenses of childcare or other necessities that arise when a partner is temporarily disabled, but not disabled long enough for a traditional disability policy to pay out.

Our Agents have undergone hundreds of hours of training, with decades of experience, and are here to help you for FREE. Contact us today, and we'll help you take a look at what your options are.

Understanding Your Policy

Insurance can be confusing: don't get confused, get insured.

Whether you have questions about what procedures or doctors or medicines are covered, or why you are being charged for something you thought was going to cost less, you should ask us about your insurance for free.

We Listen To Hold Music For You

No one likes hold music. Consider asking a licensed insurance agent to listen to it for you? Our agents offer many services for FREE, inclding waiting on hold and then helping you talk to your insurance company to get your questions answered. We can also just notify you when there is a representative on the line.

Cheaper Canadian Drugs

Canadian pharmacies are cheaper, but does your insurance offer benefits for imports - or even mail orders? What if you went to Canada? How do you find a reputable pharmacy? Are there ways to buy directly from American manufacturers? What is the difference between generic and name brand drugs? How much will these drugs cost on any given insurance plan?

Asking about insurance is free: contact us today and talk to an agent with decades of experience in the field.

Keeping Your Doctor

Everyone loves *their* Doctor, and you don't want to necessarily have to change your Doctor with new insurance. Keeping your doctor, though, can be a challenge for many people.

Cancer, Chronic Disease, Disability

You and your loved ones have a 1 in 3 chance of getting cancer in your life, and a higher chance of getting some form of chronic disease and becoming disabled.

Can you afford to take time off to help your loved one - or yourself? Will your plan pay for the treatments you need, or the transportation to the state of the art facilities you will want?

Contact us today, and get free assistance in making sure your insurance will help you and your loved ones when you're in trouble.

Fertility Coverage

For some would-be parents, shopping for a crib is not the most difficult part of welcoming a child to the family: but fertility treatments, for men and women can be cost prohibitive without insurance to reduce the cost.

Vision and Dental

Are vision and dental insurance "worth it?" Sometimes. But sometimes not.

Ask an agent today for free, and we will help you analyze the costs and benefits of all the available plans, and even look at alternative ways to reduce the costs of vision and dental care if traditional dental or vision insurance is not the answer.

Traveling Colorado and Abroad

Whether you frequently travel outside your county within Colorado, within the United States, or even internationally, for a short time or as an ex pat, traveling can make staying in network problematic. Whether you need medical care or prescriptions filled on a regular basis or have an emergency you don't want to visit the ER for. Or just want to insure your souvenirs in your luggage.

Let us help you: give us a call today, and we can provide you free assistance in finding ways to avoid the out of network traveling penalty.

A good benefits plan helps with employee retention AND productivity: talk to a licensed insurance agent today for FREE!