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Insurance in Denver

Data source: US Census year 2000

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Uninsured in Adams County

Denver is in Adams County.

Two in ten

Two out of ten people in Adams County (16.1%) lack health insurance. In the state of Colorado, 15.1% are without.

Among the population under 18 years in Adams County, 12.7% are uninsured, while the figure for Colorado is 12.9%.

in 2005, 85% of Americans had some medical expense, spending on average $1,166.

Crime and Safety in Denver

Cities are generally less safe to live in than small towns. Violent crime in Denver is 61.1% higher per capita, than in the U.S. as a whole. The per-capita rate of property crime in Denver is 38.9% higher than nationally.

There are 6216 people living in restricted group quarters such as correctional facilities, nursing homes, and mental hospitals in Denver (1% of the population).

Accidents

Commuting to work is a fact of life for most Americans. In 2000, 82% of Denver residents drove to work, and 8% used public transport. 4% walked to work, and 1% rode a bicycle. While keeping active is vital for good health, unprotected forms of transportation also puts you at greater risk in traffic.

In the United States, 10% or Emergency Room visits in 2005 was due to traffic accidents. The most common injury was due to falls, totalling 21% of ER visits.

Denver, Colorado Health Insurance

With a health insurance plan, your medical costs will be reduced, and a plan that includes regular checkups lowers your likelihood of developing serious health problems. As an added bonus, doctors charge people with health insurance less, since insurance companies negotiate discounts.

Getting an individual health insurance plan doesn't have to be expensive and complicated. With average premiums for single coverage reaching $373 per month ($4,479 annually) in 2007, and familty premiums soaring to $1,009 per month ($12,106 annually), the incentive to find cheap alternatives is higher than ever. Yougotinsured.com is dedicated to help you find ways to save, while retaining the security of a high coverage level.Yougotinsured.com is dedicated to help you find ways to save, while retaining the security of a high coverage level.

One way to pay smaller premiums is to sign up for a high-deductible health plan (HDHP), an alternative gaining popularity among employers who offer health benefits.

While most Americans have health insurance coverage through their employer, there are trends in the opposite direction. As the economy transforms, and employers rely more on part-time and contract labor, fewer employees are eligible for health benefits. Among firms who offer health benefits, 79% of workers were eligible in 2007. Among both firms that offer and don't offer health benefits, a total of only 59% of workers were actually covered by their employer.

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Local Health Insurance Agents in Denver, Colorado

  • Adams, Joseph W - State Farm Insurance Agent

    (303) 388-4949

    4110 East 8th Avenue
    Denver, Colorado 80220-3702

  • Anthony Richards Ins Agcy Inc - State Farm Insurance Agent

    (303) 830-0333

    2100 Downing Street Suite B
    Denver, Colorado 80205-5272

  • Barb Frank Insur Agcy Inc - State Farm Insurance Agent

    (303) 777-4989

    264 South Downing Street
    Denver, Colorado 80209-2433

  • Bateman, Pamela A - State Farm Insurance Agent

    (303) 778-0560

    574 South Broadway
    Denver, Colorado 80209-4002

  • Bryson, Christopher S - State Farm Insurance Agent

    (303) 477-9900

    3698 West 44th Avenue Ste B1
    Denver, Colorado 80211-1376

  • Chapman Insurance Agency Inc - State Farm Insurance Agent

    (303) 777-3005

    2335 E Evans
    Denver, Colorado 80210-4709

  • Cressy-Beer, Collette J - State Farm Insurance Agent

    (303) 722-2777

    900 E Louisiana Suite 105
    Denver, Colorado 80210-1721

  • Darrell Hobbs Ins Agcy Inc - State Farm Insurance Agent

    (303) 987-8849

    3100 S Sheridan Blvd Ste 1 G
    Denver, Colorado 80227-5528

  • Deines, Alan G - State Farm Insurance Agent

    (303) 388-4400

    201 University Suite 207
    Denver, Colorado 80206-4617

  • Downing, Jack V - State Farm Insurance Agent

    (303) 825-6633

    1600 Stout St Suite 270
    Denver, Colorado 80202-3115

  • Eli, Raymond A

    (303) 695-4677

    1201 S Parker Road Suite 101
    Denver, Colorado 80231-2154

  • G L Bickle and Associates

    (303) 221-1690

    3003 E 3rd Ave
    Denver, Colorado 80206-5110

  • Gallegos M Benito

    (303) 321-9560

    210 Clayton Street Suite 3
    Denver, Colorado 80206-4827

  • Gibbs, Michael D - State Farm Insurance Agent

    (303) 699-2800

    5135 Chambers Road Unit C
    Denver, Colorado 80239-4231

  • Humbargar, Stanton A - State Farm Insurance Agent

    (303) 759-4260

    6444 E Hampden Avenue #2A
    Denver, Colorado 80222-7673

  • Insurance

    (303) 320-4901

    6450 E Colfax Ave
    Denver, Colorado 80220-1604

  • J Jeff Corwin Insur Agency Inc State Farm Insurance Agent

    (303) 770-3060

    7979 E Tufts Ave Parkway #217
    Denver, Colorado 80237-2553

  • Johnson, Gary L - State Farm Insurance Agent

    (303) 758-6287

    7150 E Hampden Suite 306
    Denver, Colorado 80224-3028

  • Kelly, Jerry B - State Farm Insurance Agent

    (303) 777-8000

    1863 South Pearl Street
    Denver, Colorado 80210-3136

  • Lanphier Insurance Agency Inc - State Farm Insurance Agent

    (303) 695-8980

    2290 S Parker Road Suite 110
    Denver, Colorado 80231-5790

  • Lori Rickert Insur Agency Inc - State Farm Insurance Agent

    (303) 757-7440

    2755 S Locust St Suite 117
    Denver, Colorado 80222-7131

  • Mega Life and Health Insurance Company

    (303) 667-7776

    2801 Youngfield St
    Denver, Colorado 80202

  • Miller & Associates Inc

    (303) 238-2229


    Denver, Colorado 80214

  • Mitchell C Gardner In Agcy Inc State Farm Insurance Agent

    (303) 427-4454

    2775 West 92nd Avenue
    Denver, Colorado 80260-5219

  • Mondragon, Robert E - State Farm Insurance Agent

    (303) 691-2625

    1190 S Colo Blvd Suite 200
    Denver, Colorado 80246-3039

  • Nguyen, Bao Ngoc - State Farm Insurance Agent

    (303) 975-1100

    1699 S Federal Blvd Suite B
    Denver, Colorado 80219-6722

  • Osborn, Jerry D - State Farm Insurance Agent

    (303) 321-0895

    100 Garfield Suite 50
    Denver, Colorado 80206-5550

  • Pacificare

    (303) 721-1145


    Denver, Colorado 80202

  • Priday, Sidney J - State Farm Insurance Agent

    (303) 825-7909

    410 17th Street Suite 1185
    Denver, Colorado 80202-4403

  • R D Wright Insur Agcy Inc - State Farm Insurance Agent

    (303) 759-0228

    2121 S Oneida Street Ste 521
    Denver, Colorado 80224-2554

  • Ramel, Christopher D - State Farm Insurance Agent

    (303) 825-0500

    1100 Acoma Street
    Denver, Colorado 80204-3652

  • Rita L Gutierrez Ins Agcy Inc - State Farm Insurance Agent

    (303) 595-5500

    1664 Market Street
    Denver, Colorado 80202-1514

  • Roberts, Ronald R - State Farm Insurance Agent

    (303) 758-6784

    2696 S Colo Blvd
    Denver, Colorado 80222-5945

  • Rowlen, Craig S - State Farm Insurance Agent

    (303) 722-1139

    695 S Colo Blvd Suite 422
    Denver, Colorado 80246-8014

  • Santamaria, Victor M - State Farm Insurance Agent

    (303) 937-6000

    1699 S Federal Blvd Suite A
    Denver, Colorado 80219-6722

  • Skip Wells Insur Agency Inc - State Farm Insurance Agent

    (303) 758-4736

    1777 South Harrison Street
    Denver, Colorado 80210-3997

  • Sunahara Jr, Jack K - State Farm Insurance Agent

    (303) 779-4848

    3525 S Tamarac Dr Suite 160
    Denver, Colorado 80237-1426

  • Tammy Booth Ins Agcy Inc - State Farm Insurance Agent

    (303) 399-2600

    1751 York Street
    Denver, Colorado 80206-1212

  • Terry Scholes Insur Agcy Inc - State Farm Insurance Agent

    (303) 778-1900

    409 Pennsylvania Street
    Denver, Colorado 80203-3613

  • Vartanyan, Terry L - State Farm Insurance Agent

    (303) 456-0444

    2600 W 29th Avenue G101
    Denver, Colorado 80211-3791

  • Walsh, James T - State Farm Insurance Agent

    (303) 988-9001

    3110 S Wadsworth Suite 305
    Denver, Colorado 80227-4810

Glossary of Terms

Coinsurance
amount you have to pay for medical care in a fee-for-service plan after you have reached the deductible. The coinsurance rate is usually written as a percentage. For example, if the insurance company pays 80 percent of the claim, you pay 20 percent.
Coordination of Benefits
A system to eliminate duplication of benefits when you are covered under more than one group plan. Benefits under the two plans usually are limited to no more than 100 percent of the claim.
Copayment
Another way of sharing medical costs. You pay a flat fee every time you receive a medical service (for example, $5 for every visit to the doctor). The insurance company pays the rest.
Covered Expenses
Most insurance plans, whether they are fee-for-service, HMOs, or PPOs, do not pay for all services. Some may not pay for prescription drugs. Others may not pay for mental health care. Covered services are those medical procedures the insurer agrees to pay for. They are listed in the policy.
Customary fee
Most insurance plans will pay only what they call a reasonable and customary fee for a particular service. If your doctor charges $1,000 for a hernia repair while most doctors in your area charge only $600, you will be billed for the $400 difference.
Deductible
The amount of money you must pay each year to cover your medical care expenses before your insurance policy starts paying.
Exclusions
Specific conditions or circumstances for which the policy will not provide benefits.
Fee-for-Service
The insurer only pays for part of your doctor and hospital bills. This is the traditional kind of health care policy. Insurance companies pay fees for the services provided to the insured people covered by the policy. This type of health insurance offers the most choices of doctors and hospitals.
HDHP
High-Deductible Health Plan. With this type of plan, you pay a smaller premium, but have to pay a larger amount out of your own pocket when you use medical services.
HMO
(Health Maintenance Organization): Prepaid health plans. You pay a monthly premium and the HMO covers your doctors’ visits, hospital stays, emergency care, surgery, checkups, lab tests, x-rays, and therapy. You must use the doctors and hospitals designated by the HMO.
Institutionalized
People under formally authorized, supervised care or custody in institutions (for example, correctional facilities, nursing homes, and mental hospitals). Generally, restricted to the institution, under the care or supervision of trained staff, and classified as "patients" or "inmates."
Kaiser
Figure refers to employer-based health insurance. Individual plans may be more expensive. ("Employer Health Benefits 2007 Annual Survey" (#7672), The Henry J. Kaiser Family Foundation & HRET, September 2007)
Managed Care
Ways to manage costs, use, and quality of the health care system. All HMOs and PPOs, and many fee-for-service plans, have managed care.
Maximum Out-of-Pocket
The most money you will be required pay a year for deductibles and coinsurance. It is a stated dollar amount set by the insurance company, in addition to regular premiums.
Noncancelable Policy
A policy that guarantees you can receive insurance, as long as you pay the premium. It is also called a guaranteed renewable policy.
PPO
(Preferred Provider Organization): A combination of traditional fee-for-service and an HMO. When you use the doctors and hospitals that are part of the PPO, you can have a larger part of your medical bills covered. You can use other doctors, but at a higher cost.
Preexisting Condition
A health problem that existed before the date your insurance became effective.
Premium
The amount you or your employer pays in exchange for insurance coverage.
Primary Care Doctor
Usually your first contact for health care. This is often a family physician or internist, but some women use their gynecologist. A primary care doctor monitors your health and diagnoses and treats minor health problems, and refers you to specialists if another level of care is needed.
Property crime
Property crime includes burglary, larceny-theft, motor vehicle theft, and arson. The objective of the theft crimes is the unlawful taking of money or property, and does not include use or threat of force against the victims.
Provider
Any person (doctor, nurse, dentist) or institution (hospital or clinic) that provides medical care.
Race
Race is a self-identification data item in which respondents choose the race or races with which they most closely identify. [US Census]
Single Coverage
Health insurance that covers medical expenses for one person.
Third-Party Payer
Any payer for health care services other than you. This can be an insurance company, an HMO, a PPO, or the Federal Government.
Violent crime
Violent crime includes four offenses: murder and nonnegligent manslaughter, forcible rape, robbery, and aggravated assault. Violent crimes involve force or threat of force.

Denver Facts

Data source: US Census year 2000

Population

Population in Denver is 566,974.

97% of Denver residents are White, 68% are African-American, 15% are a mix of two or more races, 10% are Native American, 3% are Pacific Islander, and 1% are Asian.

Economy

The median income in Denver is $30,291 for men, and $25,718 for women.

Compared to the typical person in the state of Colorado, a resident of Denver makes 4.7% less. The trend for Colorado is that the median income is increasing. (2006)

58,747 people (10% of the population) were living on an income below the poverty level as of 2006. The poverty in Denver was increasing compared to the year before.

The typical home is worth $236,100. 23% of Denver homeowners own their home outright, paying typically $396 per month in owner costs. Among those with a mortgage (77% of homeowners), the median monthly owner cost is $1,502. (2006)

Housing

There are a total of 271,096 homes in Denver. Of these, 4,776 were for sale, and 10,030 homes were available to rent in 2006. 136,802 (56%) were owner-occupied, and 109,245 (44%) were occupied by renters. (2006)

Age

The median age for men in Denver is 34, and in Colorado the average man lives to be 76. The median age for women in Denver is 35, and women in Colorado live to be 80, on average. (2006)

Education

The education level in Denver is high compared to the national average.

Among men over 25, 41% has a college degree, and 18% has some college. Out of the men that didn't study in college, 57% graduated from High School, and 43% dropped out.

Among women over 25, 42% has a college degree, and 18% has some college. Out of the women that didn't study in college, 55% graduated from High School, and 45% dropped out. (2006)

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