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All of Your Healthcare Questions Answered When you Need it Most

There is a new start-up, Orderly, right out of Denver, CO, and it looks to be a game-changer in the individual and business healthcare world. Their mission? To change how you understand and utilize your healthcare by providing immediate answers to your most important questions. That’s right, with Orderly, answers to many of your important healthcare questions are always just a text message away. They use multiple data sources to provide you with answers to questions regarding shoppable medical services, medication pricing and discounts, even answers to questions about your current health insurance plan’s benefits and coverage! Think of Orderly as your personal healthcare concierge.

Ever wonder how much a service or procedure should cost? With Orderly you can get that information before you even make an appointment with your provider. What are fair costs for your prescriptions? Orderly can tell you, and even locate coupons to help lower those costs. Orderly will help you compare and find the lowest price options for your care, even prescriptions, so that you can make more informed, smarter healthcare decisions. Again, all of this information is available via text message, just like you are texting a friend.

In other good news, Orderly is HIPAA compliant so your personal health information is safe and secure.

To learn more about Orderly, and how you can take advantage of this service visit their site –, and click the Try Demo button.

The Integra Insurance Group is not partnered, or affiliated with Orderly in any way. Orderly was highly recommended by a friend who has benefited by using Orderly’s service. This technology simply looks and sounds like something that could be extremely beneficial to our clients. We welcome your feedback and comments if you use Orderly.


By | 2017-09-06T13:59:13+00:00 April 12th, 2017|Uncategorized|


9News Health Fair

It is that time of year again… Spring, yes of course, but that also means that it is 9Health Fair season! Here, in the great state of Colorado, we are blessed to have the largest volunteer-driven, non-profit health and education program in the nation. The 9Health Fair gives you the tools you need to take responsibility for your own heath. They are committed to providing life-saving early detection and prevention to help you and your family stay healthy.

At a 9Health Fair (sponsored by 9News) you can receive free and low-cost healthcare services/screenings at over 130 locations across Colorado. Many of these services are provided by medical professionals who volunteer their time year after year.

I make it a priority every year to take advantage of the low-cost comprehensive blood screening, skin screening, blood pressure, oral health, and vision and eye screenings. This year, for the first time, some sites will be offering testosterone screening for both men and women. I am surprised by how many clients I speak with every year who are unaware of this wonderful and affordable opportunity to invest in their personal healthcare and well-being. Even more importantly, lives are literally saved by these screenings every year!

Why attend a 9Health Fair? When you attend a 9Health Fair, you’re taking responsibility for your health. You’ll have access to an array of free and low-cost comprehensive health screenings and interactive educational centers to empower you to make healthy decisions for your life and future. Here are the top 9 reasons to find and attend a Fair near you! –

What can you expect at a 9Health Fair? We want to make sure your visit to 9Health Fair is pleasant, useful and efficient. That’s why we engage medical professionals as volunteers and use the same lab – Quest Diagnostics – as most medical offices. You have the option to choose what which health screenings you want – with no fasting required – and your results will be available in as little as two weeks!

To find a 9 News Health Fair near you please visit,

For a complete of screenings offered at many of this year’s locations please visit,

The Integra Insurance Group is not partnered or affiliated with 9News, or 9Health Fairs in any way. We personally take advantage of the healthcare services offered at these fairs, and simply believe this to be something that can be extremely beneficial to our clients.

By | 2017-09-06T13:59:13+00:00 April 12th, 2017|Uncategorized|

2016 & 2017 ACA Penalty

By now most of us know about the penalty for not having Affordable Care Act qualified health insurance for a portion, or all of the year. But what exactly is that penalty, and what will it be in 2017?

In 2016 that maximum penalty is 2.5% of household income  per individual (max of the national average annual cost of a Bronze level plan), OR $695 per adult and $347.50 per child (max of $2,085 per family), whichever is greater. The penalty is calculated against the amount of income, either individual or household, that is above and beyond the tax filing threshold. The tax filing threshold for an individual is approximately $10k, and the tax filing threshold for a family is approximately $20k. So, the max penalty for an individual whose Modified Adjusted Gross Income (MAGI) is $50k will be 2.5% of $40k, that individual’s amount of income above and beyond the individual tax filing threshold of $10k. A family whose household income is $5ok will face a max penalty of 2.5% of $30k (per individual in the family), that family’s amount of income above and beyond the family tax filing threshold of $20k.

In 2017, and going forward, the Percentage of Income penalty remains the same, 2.5%. However, the per person penalty of $695 per adult and $347.50 per child will increase every year with inflation. In 2017 that increase will only be 1.1%.

By | 2017-09-06T13:59:13+00:00 October 7th, 2016|Uncategorized|

Important Open Enrollment Dates

Open Enrollment for 2017 Affordable Care Act qualified health insurance coverage is right around the corner! Below are some important dates to help you plan accordingly, and be more prepared:

NOVEMBER 1, 2016 – First date to apply for a plan beginning January 1, 2017

DECEMBER 15, 2016 – Deadline to apply for a plan beginning January 1, 2017

JANUARY 15, 2017 – Deadline to apply for a plan beginning February 1, 2017

JANUARY 31, 2017 – Last day to apply for 2017 health insurance coverage without a Life Change Event

By | 2016-10-21T23:25:15+00:00 October 7th, 2016|Uncategorized|

Why Should I Work with a Broker?

Does it still make sense to have a broker help you choose a health or life insurance policy? Absolutely! The Internet may have made shopping for insurance easier, however I think we can agree that the Affordable Care Act has made the process considerably more complicated. Brokers are insurance experts. It is our job to help you shop plans from leading carriers so you can be confident you’ve found the best rates and benefits for you. Also, a broker who is Certified with Connect for Health Colorado understands the processes and nuances of which path you should take before you enroll in a plan. Do you qualify for a subsidy (tax credit) that will help lower the cost of your monthly health insurance premiums? What steps are necessary to receive that credit? A broker can assist you not only with answering those questions correctly, but also with the process from start to finish. And most importantly, it does not cost you a penny more!

4 Reasons to Work with a Licensed Insurance Broker

1. Brokers guide you through the process – Let’s face it, buying an insurance policy can be extremely complicated. A licensed broker will walk you through each step of the process and help you make sense of it all.

2. Brokers offer you choice – Your broker has a portfolio of plans to choose from, from every carrier in the state. The hundreds of choices available can be very confusing, and it is our job to know which policies may best fit your needs, lifestyle and budget. It is also our job to understand the landscape of this constantly changing market, so that you can make informed decisions that give you peace of mind.

3. Brokers troubleshoot mistakes – A mistake on your application, especially if you are looking to receive tax credits to subsidize your monthly premium costs, could lead to months of headache and frustration. Every broker in our office completes a Certification process with Connect for Health Colorado so that we can help you through that application process. Some households are still very complex, so we have built a partnership with Eligibility Specialists who assist us to help ensure a correct eligibility determination. Also, being Certified with Connect for Health Colorado means that we can take any enrollment issues directly to a broker support team. This saves you time, headache, and more often than not is a path to quicker resolution.

4. It is FREE – This is the best part about getting insurance through a broker. Brokers receive payment from the insurance companies they represent. And because we represent every carrier in the state, the advice you receive from us will be totally unbiased.

By | 2016-10-20T10:41:15+00:00 October 29th, 2014|Uncategorized|