What's New in Healthcare for Colorado REALTORS®?

In April 2020 CAR brought new benefits to members to address medical expenses with two different approaches with the goal of having an option that meets the needs of as many REALTORS® as possible.

HEALTH INSURANCE

Now available through the CAR Marketplace in partnership with Alpine Association Benefits are individual health insurance plans. These insurance plans are the same as through the Connect for Health Colorado, but you have access to an experienced health insurance broker (Rita Lenz) to walk you through the various plans to help you determine the best plan for you at no additional cost.

By enrolling in plans through CAR, you are supporting CAR’s efforts in making healthcare options available and you will be first to know when Association Health Plans (AHPs) become available in Colorado for discounts that would otherwise not be available to individuals. For individuals who have potentially expensive health conditions, this is generally the best way to address healthcare. Health insurance has an annual open enrollment window of November 1 st to December 15 th or if you experience a Qualifying Life Change Event.

Medical Cost Sharing

Since June of 2019, CAR has made a unique alternative to health insurance available by utilizing the Sedera Medical Cost Sharing Community. Through Sedera’s Medical Cost Sharing model, Members save between 30 – 50% of the costs that are typically incurred with health insurance plans. Many REALTORS® have already found this option to be a great way to address their healthcare expenses, but please note that this option may not be the right fit for everyone as there are some temporary limitations on funds used to address pre-existing conditions.

In April 2020, a new approach was launched that paired Sedera with Redirect Health to round out benefits for a more comprehensive solution. By pairing Redirect Health with Sedera you get access to 24/7 Virtual Direct Primary Care to address the smaller, preventative health issues without having to schedule an office appointment.

It also includes prescription, vision and dental discount plans. This option also accepts monthly enrollment; to have an effective date of the 1 st of any month, you must enroll by the 19 th of the previous month. We strongly encourage anyone interested in this option to join an upcoming webinar to learn more.

There will be a state-wide zoom meeting held on Friday, May 15 th at 10:00am. Click here to add to your calendar.

Important note: If you are currently a member enrolled in Apex and Sedera, please contact Alpine Association Benefits for more information on the differences. Also, if you would like to switch plans please contact us, as it is not automatic and must be specifically requested.

ALPINE ASSOCIATION BENEFITS

(P) 720-523-5524 (E) Info@alpineassociationbenefits.com Visit Our site for information on options available for Colorado Realtors www. AlpineAssociationBenefits.com

Warning: Sedera, Inc. Is not an insurance company and the sedera medical cost sharing membership is not issued or offered by an insurance company. Whether a sponsoring entity chooses to send monetary assistance to you and/or your family to help with your medical expenses will be totally voluntary and neither you nor sedera, inc. Has any right to compel payment of medical cost sharing costs from any member. The Sedera membership is not and should never be considered to be or to be like a group insurance policy or an individual insurance policy. Whether you receive any money for medical expenses, or whether or not this membership continues to operate, you as the member will always remain liable for your unpaid medical expenses and do not have any legal right to seek reimbursement or indemnification for any such expenses from Sedera, Inc. Or any other member or sponsoring entity. This is not a legally binding agreement to reimburse or indemnify you for the medical expenses you incur, but is an opportunity for you to assist other members in need, and when you are in need, to present your medical bills to other members and sponsoring entities as outlined in these guidelines. The financial assistance you may receive will come from other members and/or sponsoring entities, and not from Sedera, Inc.