Health Insurance: Learn Your Options

We at Insurance Town and Country offer a variety of health insurance options for individuals, families, and businesses.  This blog will be focusing on our private health insurance options, but you can find more about our group health insurance plans by clicking HERE.

There are several categories of health insurance plans and at Insurance Town and Country, we divide them into four general groups: copay plans, coinsurance plans, deductible plans, and health savings plans; and are explained below. The amounts charged for services under the following plans can vary depending on whether the insured uses a health care provider who is designated by the insurer to provide services (network or participating provider) and one who is “outside the network.”

Copay Plans - The copay is the amount of money the insured must pay out of pocket for a particular visit or service. The insurance plan covers the remainder of the expense.

Coinsurance Plans - In these plans, the insured pays a certain percentage (usually 20% or 30%) of the total cost of medical care. A coinsurance plan may or may not be combined with a copay provision.

Deductible Plans — Deductible health insurance plans pay for 100% of medical expenses after the insured has met the deductible. These plans often cover preventative care services even before the deductible has been reached. A wide range of deductibles are available, depending on whether the coverage is for an individual or family.

Health Savings Plans - Health Savings Plans (HSA) are high-deductible plans that feature a tax-favored medical savings accounts. Participants qualify for a tax deduction on the money they deposit in the account. Preventive care is normally included in these plans without having to reach the deductible first.

If you have any questions about your health insurance options or what plan type makes sense for you and your family, please contact us at either of our locations.

Denver Office                                                             Castle Rock Office
1735 E. 17th Ave. #3                                                    513 Wilcox St. #200
Denver, CO 80218                                                      Castle Rock, CO 80104
303–388-7216                                                 Phone: 303–688-1251
Email:                        Email:


Personal Umbrella Liability Insurance: Keeping You Dry

In the case of a catastrophic financial event, Personal Umbrella Liability Insurance could be the best line of defense you’ll ever have.

Sometimes in life things just go wrong. Let’s say that you get into a terrible car accident, you’re hurt, the other person is hurt, and on top of that, they decide to sue you. Your basic insurance policy might not cover all of the damages, the medical expenses, and the legal costs. That’s where personal umbrella liability insurance becomes important.

A personal umbrella liability insurance is a customized additional policy that extends the protection of your basic insurance policies to help when a true financial crisis arises. Additionally, it may cover situations that aren’t covered at all by your basic insurance policy. Umbrella policies are meant to be flexible and match your lifestyle. You may need much more protection, depending on where you live, what you do for work, the size of your family, your hobbies, and the vehicles you drive, whether they are automobiles, boats, ATVs, or an RV. However, your current insurance policy may already provide you with a comfortable amount of coverage.  Either way, it is always a good idea to review your policy and ensure that you will be protected in the case of intense financial liability.

We at Insurance Town and Country make it our mission to see that our clients and their families are provided with ample protection at an affordable rate.  You can learn more about our Personal Umbrella Liability Insurance, click here. If you have recently experienced a change in lifestyle or just want to make sure that there aren’t gaps in your insurance coverage, give us a call at 303–388-7216, shoot us an email at, or request a quote online.