Tag Archives: Colling Insurance Services

What Are the Benefits of Longterm Care Insurance?

Planning for the future often involves looking beyond immediate needs. At Colling Insurance Services Inc. in Lakewood, CO, we frequently emphasize the importance of long-term care insurance. As we age, the likelihood of needing long-term care increases, and having the right insurance can make a significant difference. Here are some of the benefits of long-term care insurance.

Financial Security

One of the primary benefits of long-term care insurance is the financial security it provides. The cost of long-term care, whether in a nursing home, assisted living facility, or at home, can be substantial. Without insurance, these expenses can quickly drain your savings and retirement funds. Long-term care insurance helps cover these costs, ensuring you don’t sacrifice your financial stability or loved ones.

Flexibility in Care Options

Long-term care insurance offers flexibility in the type of care you receive. Whether you prefer to stay in your home, move to an assisted living facility, or require nursing home care, your policy can be tailored to meet your needs. This flexibility allows you to choose the care that best suits your lifestyle and health requirements, providing you with greater control over your future.

Reducing Family Burden

Without long-term care insurance, family members often bear the responsibility of providing care, which can be a significant emotional and financial burden. Having a policy in place ensures that your loved ones aren’t strained by caregiving duties or unexpected expenses, allowing them to focus on spending quality time with you instead.

At Colling Insurance Services Inc., we believe in proactive planning. Long-term care insurance is a vital component of a comprehensive financial strategy. For more information on how long-term care insurance can benefit you, visit us in Lakewood, CO, or call us.

Five Different Types of Health Insurance Coverage

One would think all health insurance is the same, but that’s not true. We understand that finding the right health insurance coverage can be a daunting task. Colling Insurance Services, Inc. can assist you in Lakewood, CO.

1: Health Maintenance Organizations (HMOs)

HMOs are a type of coverage that connects patients with " in-network " doctors. They only cover out-of-network cases in emergencies. These plans are convenient as they offer multiple locations throughout specific areas. They also allow you to get treatment from a PCP and emphasize prevention, care, and wellness.

2: Preferred Provider Organizations (PPOs)

A PPO is a network of healthcare providers where patients pay less if they visit in-network providers. These providers are often spread across specific areas, with some organizations being nationwide. These plans are ideal for individuals who travel frequently or prefer to keep their options open, as they can visit doctors and hospitals even if they aren’t on the preferred provider list.

3: Exclusive Provider Organizations (EPOs)

An EPO health insurance plan is similar to a PPO, except patients can only see in-network providers. These plans often include more providers in specific areas. The only downside is that they might require referrals to see any provider other than your PCP.

4: Point-of-service (POS) Plans

POS plans allow patients to pay less if they use specific doctors or hospitals for healthcare services. You can use providers in this type of plan’s network at lower costs. However, they often lack choice, and patients will need a referral to see a specialist. 

5: High-deductible Health Plans (HDHPs)

An HDHP is a type of healthcare plan with higher deductibles but lower monthly premiums. It can be an excellent choice for those who don’t frequently need to see a doctor. In addition, it can be used in conjunction with an HSA, which is a savings account for healthcare costs.

The Bottom Line

Choosing a plan can be complex, as many factors influence each plan. Colling Insurance Services, Inc. can help you find the perfect plan if you’re located in the Lakewood, CO, area. Contact us through our website or give us a call.

Does Dental Insurance Cover Braces?

Many people get dental insurance to help with the cost of those procedures. If you live in the Lakewood, CO, area, we invite you to consult with one of our experienced agents at Colling Insurance Services Inc. Our agency has been serving area clients since 1957, and we will work with you to find a customized solution for your insurance needs.

One dental procedure that can be costly is getting braces. According to Value Penguin, the costs of braces will vary based on the materials used and the length of time they will be needed. Dental insurance policies will cover some or all of the costs of braces. Almost all dental policies will cover the x-rays, examinations, and braces installation procedures by the dentist.

To discover whether your dental insurance policy covers braces, you’ll have to read some fine print in your policy. According to EHealthinsurance, it’s also essential to know whether the policy’s braces coverage will apply to the costs of braces for adults. The same website reports that although 25% of U.S. patients who wear braces are adults, braces are not typically covered for those clients. If you’re anticipating braces for you or someone in your family, you need to check your family’s parameters.

Call Us Today for an Appointment

When you need dental insurance, you need to get a clear picture of what your policy will cover. If you live near Lakewood, CO, we encourage you to meet with one of our agents at Colling Insurance Services to discuss your insurance needs. We will review our many coverage options and work with you until we can find suitable options for you. Call us for an appointment today, and let’s talk about insurance.

How to Maximize Your Workers’ Compensation Benefits

If you have an illness or injury related to your job, workers’ compensation benefits may be available to financially assist you and pay for your medical care associated with the condition. To make sure you get the most from your benefits, our team at Colling Insurance Services Inc. in Lakewood, CO offers the following advice.

Inform Your Employer Immediately

If you suffer an injury on the job, tell your employer ASAP. Waiting can raise red flags that result in the denial of compensation. Most employers have a form for you to fill out, which can be obtained from the Occupational Safety and Health Administration. Get medical care right away and retain copies of everything.

File Your Workers’ Comp Claim Right Away

Telling your employer about your injury is just the first step. You must also file a workers’ compensation claim to get a caseworker to process your claim. You may be entitled to coverage for medical costs and lost wages. An independent media exam will be conducted by a doctor your employer works with. The doctor will give you an impairment rating after an exam. The rating you are given will qualify you for temporary or permanent disability benefits depending on the severity of the injury.

Be Transparent and Consistent

When filling out forms or making statements to your job or medical provider, communicate honestly and clearly. Be specific about the incident and any pain or injuries resulting from it. Changing the story or keeping information to yourself can result in claims denial, which can be detrimental to your case.

Have an Attorney For Guidance

It is important to get someone on your side legally to give you advice and fight for your rights. Our agents at Colling Insurance Services, Inc. in Lakewood, CO, can help you retain a qualified lawyer. Contact us today with questions and to schedule a consultation.

A Major Cause of Bankruptcies and How Business Insurance Can Help

If you own a business in the Lakewood, CO, area, there is likely a lot on your plate. There’s payroll to meet, inventory to maintain, customers to care for, and more.

At Colling Insurance Services Inc., our commercial insurance services may not be able to help with everything, but there are times when they may save the day and your business. It can help should a customer experience a slip-and-fall or a fire, and it may even help cover the loss of income following a covered calamity.

Commercial insurance from Colling Insurance Services Inc. may even help protect you from theft, one of the biggest causes of small business bankruptcy.

Protecting Your Business from Theft

While commercial insurance can’t necessarily prevent theft, it can help cover your financial losses should theft occur. This includes theft from outside sources, like burglary and employee theft. Let’s say, for example, overnight some evening, thieves break in and steal your computers or a significant portion of your inventory. Commercial insurance would help cover your losses. Even if the bad guys cause damage to your business, your commercial insurance can serve as a cushion.

What some don’t realize, however, is that business insurance may also help cover losses due to employee theft, whether of cash or assets. This can be important coverage, especially for companies that make frequent cash transactions.

Get a Commercial Insurance Quote Today

You work hard to ensure the success of your business every day. Please do your best to protect it with commercial insurance from Colling Insurance Services Inc., serving the Lakewood, CO, area. Let”s discuss your business and its risks, and then we can create a free, no-obligation quote. Learn more about how business insurance can help keep your business up and running with a quote today. Call us at Colling Insurance Services Inc.

Tips to Prepare Your Vehicle for Summer

If you are like many people in and around the beautiful Lakewood, CO area, the majority of your travels in a vehicle typically occur during the warmer months. During these seasons, many people and families take spring break trips, go on summer vacation adventures, and spend more time traveling to outdoor events. That also means more miles, more driving, and an even greater need for auto insurance to keep you safe during the time of year when it seems everyone is on the road. If you live in or around Lakewood, CO, and have questions about auto insurance, then the professional and friendly team at Colling Insurance Services Inc. can help.

Preparing Your Vehicle for Summer

When the colder weather settles in and winter looms, we typically winterize our vehicles. In the same way, with the extra travel, more time running the AC, and the hotter weather, it is also a good idea to "summerize" your vehicle before heading out when the weather breaks. Here are a few quick tips to ensure your vehicle is summer-ready and ready to go.

  • Tune-Ups: After the colder conditions, salt, snow, and slush on the roads, it is a good idea to get a tune-up and have your vehicle inspected.
  • Tire Pressure: Warmer weather can also deflate tires. So, before putting all those extra miles on your vehicle, ensure your tires are well-treaded, aired up, and ready to roll.
  • Insurance: 500 miles from home on vacation is no time to realize your insurance lapsed or you didn’t update your policy. Make sure you have the right coverage plans and that your policy is up-to-date before embarking on your next road trip.

If you live in the Lakewood, CO, area and want to learn more about auto insurance solutions or need coverage, we can help. Contact us today and let our Colling Insurance Services Inc. team help with the protection you and your vehicle need this summer.

Transitioning Homes: How to Handle Your Home Insurance During a Move

Let’s face it, moving can feel like you’re trying to herd cats. With everything going on, letting something like insurance slip through the cracks is easy. But don’t sweat it; that’s where we step in. We’re here to catch those little details so you don’t find yourself stuck in confusion. We know it’s a lot to juggle, especially with home insurance. But that’s exactly what we’re here for. At Colling Insurance Services Inc., we’re all about serving Lakewood, CO, and surrounding areas and making at least one part of your move smoother: sorting out your home insurance.

Timing is key

When you’re shifting from one home to another, the timing of your insurance switch is super important. You want your old place covered until the last second, but you also don’t want to leave your new home hanging without protection. It’s like trying to time a perfect high-five; it’s got to be just right. And we’re here to make sure it is.

Custom Fit for Your New Pad

Every home’s got its quirks. Maybe your new place has some cool features that you’ve never had to think about insuring before. We’re here to tailor your insurance. Making sure it fits your new home like it was made for it. After all, you deserve insurance that’s as unique as your new spot.

Let’s Get Moving

So, if you’re stepping into the moving whirlwind and looking to tick one big thing off your worry list, hit us up today at Colling Insurance Services Inc. Serving Lakewood, CO, and surrounding areas, we are ready to help you transition your home insurance without a hitch. Let’s make your move as smooth as possible together.

How Umbrella Insurance Financially Protects You

Expand Your Insurance Coverage with Umbrella Insurance

Having home and auto insurance may not guarantee ample protection for your home and vehicle. A comprehensive safeguard involves adding an umbrella insurance policy to your insurance suite. At Colling Insurance Services, Inc., located in Lakewood, CO, we provide a broad spectrum of umbrella policies tailored to shield you from potential financial risks.

Necessity for Additional Liability Coverage

Most home and auto policies offer diverse types of coverage. Surprisingly, insurance policyholders often overlook liability protection, which covers medical costs or other expenses in case of an accident in your home or vehicle. A common problem is that most policies don’t sufficiently provision for this coverage. Insufficient liability protection could impose severe financial burdens in case of severe accidents. An umbrella policy bridges this gap by extending additional liability coverage for auto and home insurance policies.

Workings of an Umbrella Insurance

In case of an accident for which you are liable, your auto or home insurance covers the cost and pays the bills. However, upon maxing out the policy payout, you’re liable for the remaining bills. That’s where umbrella insurance intervenes. It covers all extra costs that you would otherwise incur. This role significantly insulates you from expensive medical costs, which can abundantly save you money.

Buying Umbrella Insurance

In addition to your existing home and vehicle policies, you can acquire umbrella insurance for more comprehensive coverage. Let Colling Insurance Services, Inc. in Lakewood, CO, guide you in adding an umbrella insurance policy to your repertoire. Call us today and reap the benefits of fully-fledged insurance coverage.

What to Ask Your Agent When Choosing Boat Insurance

Choosing The Right Boat Insurance with Colling Insurance Services Inc.

Navigating the waters of boat insurance doesn’t have to be challenging, especially when you’re assisted by Colling Insurance Services Inc. in Lakewood, CO. We realize the joy you derive from embarking on your boat during the sunlit summer months. However, one should not overlook the importance of safeguarding yourself and your passengers. The best way to achieve this is through a comprehensive insurance policy that instills peace of mind.

Key Questions In Finding the Right Boat Insurance

Having the right questions for your insurance agent can simplify the process of finding the right boat insurance. Here are essential queries you might want to consider:

  • What should the basic coverage limit be?
  • Are additional protection options necessary?
  • How frequently should your policy be reviewed?
  • Who should you contact for questions or changes to your policy?

You might have other specific queries, too, and we recommend that you consult an agent directly to attain the answers you need rather than taking an uninformed guess. This not only guarantees optimal coverage for your needs, but it fosters confidence when you’re out sailing. Let the focus be on fun and not on the coverage of your boat.

Contact Colling Insurance Services Inc. for Boat Insurance Solutions

We invite you to contact us at Colling Insurance Services Inc. if you’re in the Lakewood, CO, area and are exploring boat insurance policies. We aim to help you maximize the pleasure derived from boating while ensuring you’re adequately protected should something go amiss. The right coverage safeguards your boat, yourself, family, and other boaters, contributing to a seamless sailing experience.

Is Long-term Care Insurance Right for You?

Understanding Long-Term Care Insurance and Its Importance

Long-term care insurance is a specialized coverage designed to provide financial support for individuals who may require personal and medical care, particularly over an extended period of time. This type of insurance primarily caters to long-stay patients in nursing homes or similar facilities. Traditionally associated with the elderly, it has grown to encompass the needs of both older people and younger individuals who may need comprehensive care due to unforeseen accidents or debilitating illnesses. It is crucial to consider such coverage options, irrespective of your age.

Why Choose Colling Insurance Services in Lakewood, CO?

At Colling Insurance Services, Inc., we believe in providing personalized service tailored to our clients’ unique needs. Our dedicated agents understand that individual requirements may differ, but life’s uncertainties are common to all. As such, we offer fundamental insurance policies equipped with basic types and tiers of coverage, thereby protecting a wide array of individuals. Furthermore, we also offer the flexibility of add-ons or adjustments in coverage to deliver a more personalized insurance experience.

Get The Right Coverage With Expert Guidance

Whether your concern is an ongoing health issue that may require long-term support or merely a safeguard for future unforeseen events, selecting the appropriate insurance is essential. It grants you security and peace of mind. This process becomes significantly easier with expert guidance. Collaborating with an experienced agent simplifies your decision-making as you can view and compare offerings from various insurance providers before settling on a policy.

Contact Colling Insurance Services for Long-Term Care Insurance

If you are in the Lakewood, CO, area, exploring options for long-term care insurance, Colling Insurance Services, Inc. stands ready to cater to your needs. Reach out to us today to initiate the process of protecting your future. Our team can provide you with quotes from different companies, enabling you to compare and discern the value and protection that best suits your requirements. Let us help alleviate your worries about the future. Secure yourself with the right long-term care insurance and get the peace of mind you deserve.