Health Insurance: How to stay savvy

Health Insurance Owl

Step 1: Know your policy

Confused dog

Navigating insurance can be confusing. Take a look at the policy and other info from the insurance company. Know what the policy does / doesn’t cover, how prescriptions are covered, and understand your network of doctors.  Review Your Insurance Policy – Five Things to Know and How to Use Your Health Insurance for more tips.

You can also find out profile information about your healthcare professionals by searching via CO Health Professional Check.

Step 2: Understand costs

Piggy bank with stethoscope

Healthcare costs impact the cost of your insurance. Be a smart healthcare consumer by asking questions about treatments, procedures and prescriptions. You could save yourself money, and you could impact the cost of everyone’s health insurance. Watch How Health Insurance Premiums are Determined for more insight.

Step 3: Ask DORA

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Still have questions? Contact DORA’s Division of Insurance to get your insurance questions answered. Call 303-894-7490 or 800-930-3745 if you’re outside the Denver Metro area, or visit our Ask a Question / Make a Complaint page. 

Need to file a complaint about your insurance?

Contact your insurance company first. They can often correct minor errors or clarify the issue.

Still want to file a complaint? Get your paperwork together – your policy and other documents from the insurance company.

Call DORA’s Division of Insurance – 303-894-7490 / 800-930-3745 (outside the Denver metro area). The Division can determine the nature of your complaint and the next steps.

Or, you can email the Division of Insurance – but first, consider how much info you share via email. Visit the Ask a Question / Make a Complaint page to access encrypted or non-encrypted email for the Division.

About the Division of Insurance

The Colorado Division of Insurance (DOI) regulates the insurance industry in Colorado. We help consumers by answering their questions, investigating their complaints, and helping them to understand their insurance. We regulate and monitor the insurance companies in Colorado, as well as insurance agents, making sure everyone is following the law.