BRACHFELD
INSURANCE SERVICES
"get insured...not confused!"
small. family owned. independent.
serving Colorado since 1994
PLANS FOR
INDIVIDUALS - FAMILIES
SMALL BUSINESS
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Asking About Insurance is a
FREE Service
Asking About Insurance is a
FREE Service
Instructor at CMU Tech | Published
Professional Consultant
With generations of experience, our small family agency is committed to insurance literacy, teaching classes at CMU Tech and publishing books and resources. And, while our books are available on amazon.com, and you may also attend classes on insurance at CMU Tech we teach, we are also happy to provide our class materials for free upon request.
We are in fact available for free to individuals, families and small business owners to answer questions about your current policies, to help you understand how to use your insurance better or choose a plan you can use better, how to qualify for subsidies to reduce your costs, and even to explain insurance concepts and regulations... over the phone or by email - today!
Whether you're an individual looking for health, dental or vision coverage (on or off the exchange), a business owner seeking affordable group benefits, are baffled by the alphabet soup of Medicare or want to both insure and ensure your next vacation goes smoothly, looking for short term solutions, or are having difficulty using your existing coverage, we provide clarity and education - not sales pressure.
For Individuals and Families
For Individuals and Families
Whether your employer offers a plan you can't afford or use, are self-employed, between jobs or just planning ahead, as independent brokers we work on and off the exchange and directly with all the insurance companies to find you exactly what you need at the best price possible.
Health Insurance with ACA subsidies or off-exchange
Short-Term - in case you missed open enrollment, are between jobs, or are needing special coverage
Dental and Vision
Medicare Supplement Plans (Medigap)
Life Insurance
Disability and Indemnity - for maternity leave, accidents or special professional risks
Travel - because everyone would prefer a good night's sleep at a hotel to a chair at the airport, and your health insurance may not cover you out of state or internationally
Long Term Care - both for a more comfortable retirement, and financial planning purposes
Annuities (Fixed and Indexed)
Life Insurance with Cash Value
HSA Strategy guidance
Retirement Medical Coverage Planning
We can also quickly determine if you qualify for subsidies: and over 77% of clients do! ...and 60% pay $10 or less per month for insurance!
As your agents, we provide full service and will talk to doctors, the insurance companies, and even listen to hold music for you - not because we love Muzak, but because we know you have better things to do.
We take the time to explain and walk you through the hows and whys and understand your insurance to reduce your total medical expenses for the year, and provide extensive support once you are signed up.
For Small Businesses and Groups
For Small Businesses and Groups
Whether you are a group of one, have 2 employees, or 50 or more, we are available to help you design affordable, smart benefits that will improve your profitability, retention, and productivity.
We also offer ongoing support as you administer your plans, engaging with insurance companies and employees.
And, for many groups we are able to negotiate special rates and coverage packages with the insurance company, perfectly tailoring the plan to your group's needs.
We offer help with:
Group Health
Group Dental
Group Vision
Group Life and Disability
HSA-compatible plans
Level Funded and Fully Insured
Enrollment and Compliance Support
There are so many ways to use your insurance: for financial planning and retirement, to preserve a legacy for the next generation, or even to achieve your dreams before you're too old to enjoy them. Life insurance is also for the living, disability insurance is also for the abled, and health insurance is for the healthy!
Get strategies for tax smart, long-term stability: we help individuals, families and small businesses preserve wealth and plan wisely.
Not sure where to start? That's exactly why we are here. Asking about insurance is a free service. Call (970) 615-0717, or email us at aaron@brachfeldinsuranceservices.com today!
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