Find Your Ideal Policy
Plans for Every Stage
You make important decisions every day of your life. At LF Insurance Group, we believe in the customer’s FREEDOM OF CHOICE – the freedom to choose the best, most affordable products that fit your needs. With a number of products and a broad range of customizable options available, you can be sure to find the right policy.
We work hard to ensure you get the HEALTH INSURANCE coverage you need as well as life and dental insurance.
Lori Fennessey has been assisting clients with comparing insurance program premiums, coverage, and fees, as well as the application process and limiting insurance costs, for over 20 years. She has YOUR interests at heart. Lori Fennessey has lived in the Vail Valley for over 40 years.
Anthem
Anthem Blue Cross and Blue Shield understands that our health connects us to each other. What we all do impacts those around us. So Anthem is dedicated to delivering better care to our members, providing greater value to our customers and helping improve the health of our communities.
All of the resources, tools and programs Anthem has to offer in one place help you and your family members: 1) Manage and maintain your health, 2) Make more informed health care decisions, 3) Get the most value from the hard-earned dollars you spend on health care, and 4) Feel your best day after day.
To find out more about Anthem Blue Cross and Blue Shield’s health insurance options, contact Lori Fennessey today.
Delta Dental
Since 1954, Delta Dental has been working to improve oral health and hygiene by emphasizing preventative care, because we believe that everyone deserves to enjoy a healthy smile.
Delta Dental Plans Association is a not-for-profit organization with some for-profit affiliates as member companies. Through our 39 independent member companies, we offer national dental coverage – administering programs and reporting systems that provide employees and individuals with quality, cost-effective dental benefits and superior customer service.
As America’s largest and most trusted dental benefits carrier, we cover more Americans than any other dental benefits provider – and strive daily to make dental coverage more accessible and affordable to a wide variety of employers, groups and individuals.
To find rates and/or enroll, click here.
Golden Rule Short Term
Health ProtectorGuard short term health insurance, underwritten by Golden Rule Insurance Company, will help you bridge the gaps in health insurance coverage with Short Term health insurance, underwritten by Golden Rule Insurance Company. Short Term health insurance is a flexible health insurance coverage solution when you need coverage for a period of transition in your life.
Is short term insurance for me?
Short Term insurance may be for you if you’re:
- Unable to apply for Affordable Care Act (ACA), also called Obamacare, coverage because you missed Open Enrollment and you don’t qualify for Special Enrollment
- Waiting for your ACA coverage to start
- Looking for coverage to bridge you to Medicare
- Turning 26 and coming off your parent’s insurance
- Between jobs or waiting for benefits to begin at your new job
- Healthy and under 65
In these situations and many others, Short Term health insurance, also called Temporary health insurance or Term health insurance, might be right for you. It can fill that gap in coverage until you can choose a longer term solution.
Contact Lori Fennessey today for more information.
IHC Health Group
Medicare
About Medicare
Medicare is a federally administered health insurance program for people over the age of 65, those under 65 with certain disabilities, and people of all ages with End-Stage Renal Disease. Medicare is paid for through payroll taxes on working Americans, as well as premiums from its members that are based on the type of coverage they have.
Anticipating what you need and knowing your options are critical to getting the affordable care you need to stay healthy. Consider the following before investigating your options:
What is your current medical situation?
If you’re managing a chronic condition and/or taking brand-name drugs, your needs will vary greatly from someone who just wants to carry hospital coverage in case of an emergency.
- Think about the types of doctors you see, how often you see them, and where they are located. If they’re not in your plan’s network, you’ll pay more (possibly 100%) to see them.
- Consider the types of prescriptions you take and where you fill them. If you take brand-name drugs, you’ll likely benefit from having Part D coverage. Find out if your plan has a preferred pharmacy and/or mail order program— using these options can offer savings.
- Try to anticipate potential future needs like medical supplies, surgeries, or nursing home care.
- Some plans only cover you while you’re in certain areas of the country or home state. If you spend significant time away from home, you will want a policy that covers you both at home and while you travel.
- Plans change every year. If there are aspects of your plan that you depend on, be sure they’ll still be available. And if your plan doesn’t change, it’s still worth looking at other options to make sure you’re getting the most for your money.
Know Your Options
Do you need hospital coverage (Part A), healthcare services (Part B), prescription drugs (Part D), or all of the above (Part C, otherwise known as Medicare Advantage). You can go with Original Medicare (Part A, Part B, or both), Original Medicare plus Part D, or Medicare Advantage (Part C). You can also get a Medicare Advantage Special Needs Plan (SNP) or Supplement Insurance Plans to help with the costs Original Medicare doesn’t cover. Ultimately, the choice is yours.
Medicare Supplements
Medicare provides comprehensive health care insurance coverage, including prescription drugs. Many private insurers offer Medicare supplement plans to cover the costs that are not covered under the Medicare program, and these plans are heavily regulated in the state of Colorado.
Medicare Providers
Contact Lori Fennessey today or call (970) 390-3706 with assistance in finding the medicare program that’s right for you.
Vision and Dental
With a dream of providing high-quality, cost-effective eye care benefits, a group of optometrists founded VSP in September 1955. More than 60 years later, we offer world-class products and services to eye care professionals, employers, and more than 80 million members.
1-800 CONTACTS sells more contacts every day than any other optical goods retailer. The company’s growth is a testament to the benefits it offers to contact lens wearers seeking a hassle-free, quick and affordable way to order their contact lenses.
With access to 1-800 CONTACTS as an exclusive in-network provider, Blue View Vision members can use their benefits to order contact lenses anytime and anywhere, with a call, click or tap to get contact lenses delivered to their door.
To find out more about Anthem Blue Cross and Blue Shield’s health insurance options, contact Lori Fennessey today.
Since 1954, Delta Dental has been working to improve oral health and hygiene by emphasizing preventative care, because we believe that everyone deserves to enjoy a healthy smile.
Delta Dental Plans Association is a not-for-profit organization with some for-profit affiliates as member companies. Through our 39 independent member companies, we offer national dental coverage – administering programs and reporting systems that provide employees and individuals with quality, cost-effective dental benefits and superior customer service.
As America’s largest and most trusted dental benefits carrier, we cover more Americans than any other dental benefits provider – and strive daily to make dental coverage more accessible and affordable to a wide variety of employers, groups and individuals.
To find rates and/or enroll, click here.
A healthy smile, good hearing, and sharp vision are important parst of your overall health and wellness plan. If you’re searching for a hearing, vision and/or dental plan, Medico Insurance Company offers flexible options to fit your needs. From simple dental only plans to comprehensive dental protection with added vision and hearing benefits, Medico Dental Insurance provides the protection you need to stay healthy — and that’s something to smile about! APPLY NOW