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Enrollment Periods for 2026Medicare 65+ 10/15-12/7 - Connect for Health

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Advisor and client reviewing supplemental coverage paperwork at a cafe table

Extra protection

Supplemental Insurance in Colorado

Health plans don't cover everything, and unexpected costs add up fast. Supplemental coverage can help you manage out-of-pocket expenses and income gaps when life happens.
  • Local Colorado brokers (Broomfield-based; statewide support)
  • Options for individuals and employer/employee benefits
  • Clear comparisons: what's covered, how benefits are paid, and when they apply
  • Support beyond enrollment (questions and claims navigation)

Start here

Choose the situation that matches you best

Best for

I want help with unexpected medical bills

Accident, hospital indemnity, or critical illness coverage.

Best for

I want income protection

Short-term and long-term disability coverage.

Best for

I want dental (and possibly vision)

Routine care and major dental planning.

Best for

I want travel protection

Trip cancellation and interruption, travel medical, evacuation, and baggage coverage.

Best for

I'm an employer building a benefits package

Voluntary benefits employees can opt into (often payroll-deducted).

What is supplemental insurance?

Supplemental insurance is optional coverage that can help fill gaps your primary health plan may not cover, like deductibles, copays, coinsurance, lost income, or certain everyday expenses.

What it is not: supplemental insurance is not a replacement for major medical coverage. It's designed to add extra protection.

How benefits are commonly paid (varies by plan)

  • Some plans pay cash benefits directly to you for covered events
  • Some plans reimburse certain covered expenses

Coverage, waiting periods, benefit amounts, and eligibility vary by carrier and policy. We'll confirm details for your situation during a consult.

Core supplemental options

Accident Insurance

Helps with unexpected out-of-pocket costs after a covered injury, such as ER visits, treatment, transportation, and follow-up care. If a covered accident occurs, the policy may pay a benefit based on the event or injury (terms vary).
See if accident coverage fits you

Critical Illness Insurance

Helps with expenses that can follow a serious diagnosis, medical and non-medical. If a covered diagnosis occurs, the policy may pay a lump-sum or scheduled benefit (varies by plan).
Compare critical illness options

Hospital Indemnity Insurance

Helps with costs associated with covered hospital stays that may not be fully covered by major medical. May pay a set benefit for admission and/or daily confinement amounts (terms vary).
Ask about hospital indemnity options

Disability insurance: protect your income

Disability insurance is designed to help protect income if you can't work due to illness or injury.

Short-term disability (STD)

Typically designed for shorter absences, often weeks to a few months. Rules vary.

Long-term disability (LTD)

Designed for longer periods when you can't return to work for an extended time. Rules vary.

What we help you evaluate

  • How much income you want to protect
  • Waiting periods and benefit periods
  • How employer coverage and supplemental coverage can work together

Dental insurance

Dental care is a common out-of-pocket expense. Dental coverage can help make routine and major care more predictable.

  • Preventive and basic coverage (cleanings, exams, fillings)
  • Major services coverage (crowns, root canals, sometimes orthodontics)

Important note: waiting periods and coverage levels vary by plan and carrier.

Travel insurance

Travel insurance can help manage risk for covered events before or during a trip.

  • Trip cancellation and interruption (covered reasons)
  • Travel medical (especially important in high-cost destinations)
  • Emergency evacuation
  • Baggage and personal item loss or theft (limits apply)

For employers: voluntary supplemental benefits

Benefits employees can opt into, often alongside group medical coverage.

Why employers add supplemental benefits

  • Helps employees manage out-of-pocket costs
  • Can increase perceived value of the benefits package
  • Often offered as voluntary options alongside group medical

Popular employer add-ons

  • Accident
  • Critical illness
  • Hospital indemnity
  • Disability
  • Dental and vision (depending on package)

What we help with

  • Choosing benefit options that match your workforce
  • Clear employee communication and enrollment support
  • Ongoing support for changes and renewals

For individuals: choosing the right mix

A simple way to decide.

  • If you worry about unexpected injuries, start with Accident
  • If you want extra support for hospital stays, consider Hospital Indemnity
  • If you want diagnosis-based protection, consider Critical Illness
  • If you want income protection, consider Disability
  • If dental costs are your biggest out-of-pocket category, consider Dental

How it works

  1. 1

    Clarify your goals

    We learn what you want to protect: cash flow, income, or specific risks.
  2. 2

    Compare plan options

    We compare carriers and policies based on what triggers benefits and typical use cases.
  3. 3

    Enroll

    We help you complete enrollment and confirm effective dates.
  4. 4

    Use coverage when needed

    If a covered event happens, you follow the carrier's claims process. We can help you understand what documentation is typically needed.

Related services

Individual & Family Health Insurance

Need primary medical coverage first?
Explore Individual & Family

Employer Group Benefits

Building a full benefits package?
Explore Employer Benefits

Life Insurance

Planning long-term financial protection?
Explore Life Insurance
Stethoscope and notepad on a desk next to a laptop

GoogleReviews

What our clients say

Real experiences shared by our clients on Google.

5.0★★★★★

145+ Google reviews

Based on the reviews shared with us

Kami W

6 days ago

G
★★★★★
Kelsey was knowledgeable and was able to help me with a somewhat unique situation. Thanks for the customer care!

Angela Brandenstein

1 week ago

G
★★★★★
Kelsey was very helpful and informative regarding options for our upcoming open enrollment and healthcare insurance needs.

Scott Johnson

8 weeks ago

G
★★★★★
Every year it is a pleasure working with you. THANKS again for tackling all our insurance needs. I highly recommend your services.

Sandra

8 weeks ago

G
★★★★★
Kelsey was so helpful in this Medicare transition, easiest health insurance transition I've experienced.

Tracy Kirby

8 weeks ago

G
★★★★★
Chip and his team always go above and beyond to help you get the right plan for you and your family!

Christopher Becker

19 weeks ago

G
★★★★★
Great conversation with Heidi. Will be using her for all of our small business health care insurance needs as well as personal going forward.
Read 100 of our 145+ Google reviews

Julie Barrett

19 weeks ago

G
★★★★★
Kelsey Murphy-Mackley makes the process of getting health insurance via Connect For Health Colorado online a breeze. (excerpt)

David Mays

22 weeks ago

G
★★★★★
Kelsey is fantastic. Highly knowledgeable, very informative and to say she’s helpful is a dramatic understatement. I’ve used her for years, and will continue to do so. Thank you Kelsey!

Juliette Cross

24 weeks ago

G
★★★★★
Kelsey is always available, and on top of things. She alerts us to yearly changes in our policies and gives good, sound advice.

Aaron Pasterz

29 weeks ago

G
★★★★★
Five-star rating

Linda Deslauriers

29 weeks ago

G
★★★★★
Heidi Silwamba is an absolute rockstar! I called almost in tears and her clear, simple direction and customer service... (excerpt)

Stephanie Harrison

34 weeks ago

G
★★★★★
I called Heidi Silwamba after losing my healthcare coverage. She was a lifesaver and was able to set us up with... (excerpt)

Chris Petrizzo

40 weeks ago

G
★★★★★
I reached out to Kelmeg, through Connect for Health Colorado. Chip was incredibly knowledgeable and helpful, and made me feel like I made the best decision for my situation.

MJ Hoffman

40 weeks ago

G
★★★★★
I have been working with Kelsey and Chip for the past 8 years and they are very helpful.

Patti Payne

40 weeks ago

G
★★★★★
Heidi really went the extra mile to make sure we were taken care of. I am so grateful to her for her knowledge and... (excerpt)

Jeri Salazar

41 weeks ago

G
★★★★★
Call Heidi, she was incredible to work with, knows the business inside and out. I couldn’t have asked for a better... (excerpt)

Alicia Moreno

41 weeks ago

G
★★★★★
Five-star rating

Mike Willey

41 weeks ago

G
★★★★★
Heidi at Kelmeg and Associates was extremely helpful in helping us to assess and purchase our individual health... (excerpt)

Mark Iwashko

41 weeks ago

G
★★★★★
Kelsey was great! Clear explanations and answers; fast and efficient. The process was easy!

A N

42 weeks ago

G
★★★★★
Helpful and accommodating

Accounting Inbox

42 weeks ago

G
★★★★★
We've been working with Chip and Kelsey for over two decades, and have referred numerous family and friends to them. They are unfailingly responsive, friendly, and reliable! Highly recommend.

Santosh Krishnan

42 weeks ago

G
★★★★★
Kelsey helped me with my daughter's health insurance application efficiently and promptly.

Lisa Buckner

42 weeks ago

G
★★★★★
Five-star rating

Arturo J. Bencosme

42 weeks ago

G
★★★★★
Every meeting with Kelsey brings clear and useful guidance for navigating insurance & Medicare. Thanks!

Roxane Chacon

42 weeks ago

G
★★★★★
Heidi was amazing talking me through the different plans there were and helping to navigate the marketplace in order to obtain my health insurance. This is my second year working with Heidi.

Sarah Call

42 weeks ago

G
★★★★★
Heidi is such a great insurance person! She knows so much and is happy to help anybody!

Wayne Winsett

42 weeks ago

G
★★★★★
Kelmeg and Associates gets my highest recommendation. Excellent people to work with.

Yvonne Larson

42 weeks ago

G
★★★★★
Kelmeg & Assoc. are fantastic! After terrible experiences with the Colorado Health Exchange, I found Kelmeg. They are... (excerpt)

Dennis Howard

44 weeks ago

G
★★★★★
Five-star rating

Carolyn Larson

44 weeks ago

G
★★★★★
Kelsey takes care of all of the research and makes it extremely easy to make the best decision about the Medicare plan to choose.

Kelly “247abk” Mohrlang

45 weeks ago

G
★★★★★
Very knowledgeable and understanding! She bent over backwards to reschedule when I was having technical difficulties and still made it happen quickly! Very impressed. I will remember her for next year.

Carol Utemark

45 weeks ago

G
★★★★★
Five-star rating

Jennifer Dulles

45 weeks ago

G
★★★★★
Very helpful, especially as so much is changing with healthcare!

G S

45 weeks ago

G
★★★★★
Kelsey was great. Walked me through the process, answered my questions and made the process fast and painless.

Kelly Horace

45 weeks ago

G
★★★★★
Five-star rating

Julie Decoria

46 weeks ago

G
★★★★★
Kelsey was friendly, listened to my concerns and found the best program for my needs. We went over several options... (excerpt)

Keystone Reservations

46 weeks ago

G
★★★★★
We have been working with Kelsey for years and she has always provided excellent and timely service.

Keith Ray

46 weeks ago

G
★★★★★
Working with Heidi Silwamba is a pleasure to work with, very knowledgeable about the medical insurance system. She also cares about her clients and will get the best package available.

Lisa Barrocas

46 weeks ago

G
★★★★★
Heidi is the best! She is very knowledgeable, thorough and compassionate:)

Dave Buckland

46 weeks ago

G
★★★★★
Kelsey was invaluable and helped me find coverage that works and will save me hundreds each month. Thank you!

Darci Hughes

46 weeks ago

G
★★★★★
Heidi at Kelmeg and Associates was a great help in navigating the nuances of health insurance and finding an affordable solution. Would definitely recommend her!

Gia Lemley

47 weeks ago

G
★★★★★
Kelsey is wonderful, she is always very helpful when it comes to getting medical insurance. Creates an stress-free experience.

Diane Keyser

48 weeks ago

G
★★★★★
Chip and Kelsey are always prompt and answer all questions thoroughly.

Melissa Colegrove

Sep 24, 2025

G
★★★★★
Was referred to Heidi from a friend and immediately felt like we'd known each other far longer than the 10 minutes we... (excerpt)

Jennifer Cohen

Sep 19, 2025

G
★★★★★
Chip is amazing! Always patient and well informed. 5 Stars!

Nidhi Shah Gujarathi

Aug 11, 2025

G
★★★★★
Five-star rating

David Poniatowski

Jul 26, 2025

G
★★★★★
Heidi was amazing! After being frustrated talking with so many or being told to do this or that, I finally got all the... (excerpt)

Kelly Johnson

Jul 18, 2025

G
★★★★★
I love Kelsey! Always professional and helpful! Thank you Kelsey!

Shannon Iannello

May 20, 2025

G
★★★★★
Heidi was an angel sent from heaven! I asked several friends/family for assistance in trying to navigate from being on... (excerpt)

Kim Webb

May 14, 2025

G
★★★★★
Kelsey Mackley is incredibly knowledgable and extremely helpful. She provided even more than I expected and answered all of my questions. I highly recommend Kelsey for all of your health insurance needs!

Richard

Mar 19, 2025

G
★★★★★
Great Service. very knowledgeable

Johann Boniek

Mar 6, 2025

G
★★★★★
I cannot speak highly enough of Heidi and the team at Kelmeg. Heidi single-handedly saved us from a very unpleasant... (excerpt)

Lauren Perlow

Mar 1, 2025

G
★★★★★
Kelsey, Heidi and Chip run a great agency here. They were incredibly helpful, took the time and care to explain all my... (excerpt)

Timothy Hardy

Feb 12, 2025

G
★★★★★
My family coverage was setup through the Kelmeg team with Heidi and Kelsey earlier last year. We just had our second... (excerpt)

Lea Rowley

Feb 12, 2025

G
★★★★★
I highly recommend Kelmeg and Associates. They are professional, knowledgeable and their customer service is exceptional. 5 out of 5 stars

Lainie Chambers

Feb 12, 2025

G
★★★★★
Was so helpful and educated us every step of the way. Highly recommend her expertise in navigating through and making decisions.

Madalene Cowger

Feb 11, 2025

G
★★★★★
If you need Medicare or health insurance Kelsey and her team are great and easy to work with.

Lainie Becker

Feb 7, 2025

G
★★★★★
Kelsey at Kelmeg & Associates is wonderful! They are here to help you figure the right health insurance for you and to... (excerpt)

Angela Acosta

Jan 31, 2025

G
★★★★★
Heidi was incredibly helpful in helping understand our and our young child's health insurance options. Highly recommend her services!

Jenna Nicholson Borg

Jan 28, 2025

G
★★★★★
Kelsey is super helpful and knowledgeable when it comes to finding the right insurance for you! She will guide you through the whole process.

Lori Gilbert

Jan 28, 2025

G
★★★★★
Five-star rating

Kelli Bauer

Jan 27, 2025

G
★★★★★
Working with Kelsey was quick and easy! I was ready for a headache of switching companies and providers, but she was done before I knew it. Thanks Kelsey, you're amazing!

Victoria Potter

Jan 25, 2025

G
★★★★★
Kelsey and the team at Kelmeg & Associates are absolutely amazing! Kelsey is incredibly knowledgeable, trustworthy,... (excerpt)

Kathy Klatt

Jan 22, 2025

G
★★★★★
Kelsey Mackley helped me navigate the no-fault insurance claims and figure out how to use Medpay to start physical... (excerpt)

Audrey Birdsall

Jan 20, 2025

G
★★★★★
Kelsey with Kelmeg and Associates is incredible. Facing the insurance world can be super intimidating but with her help... (excerpt)

Heather Huelsman

Jan 20, 2025

G
★★★★★
Kelsey is THE best! Super knowledgeable and provides lots of great info in selecting the health care plan that's right... (excerpt)

Stacey Strouse

Jan 17, 2025

G
★★★★★
Kelsey is very knowledgeable and trustworthy. She has been a great resource for choosing healthcare insurance for me and my clients. Highly recommend!!

Sarah Schierkolk

Jan 16, 2025

G
★★★★★
Kelsey is a joy to work with. She is so wise which helps families make the best decision for their lifestyle and circumstance. I highly recommend contacting Kelsey to see how she can help!!!

B. J. H.

Jan 16, 2025

G
★★★★★
Very professional and helpful. They answer any question you have about health insurance.

David Shaw

Jan 16, 2025

G
★★★★★
Great company to work with.

Melanie Phares

Jan 14, 2025

G
★★★★★
20 minute consult call super efficient.

Amy Fleshman

Jan 2, 2025

G
★★★★★
Heidi Silwamba at Kelmeg and Associates was so kind, helpful, knowledgeable, and efficient in helping me navigate the... (excerpt)

Phillip Buxton

Dec 16, 2024

G
★★★★★
Chip at Kelmeg & Associates was able to provide expert advice and assistance for my insurance needs. He quickly got... (excerpt)

Tyler Slade

Dec 10, 2024

G
★★★★★
Really great to work with!!

Kimberly Diaz

Dec 10, 2024

G
★★★★★
Kelsey was extremely helpful in helping me pick out a plan for my daughter who lives out of state and is in her early... (excerpt)

Gyanendra Kaphle

Dec 5, 2024

G
★★★★★
very helpful co-operative polite

Janelle Koenders

Dec 4, 2024

G
★★★★★
Five-star rating

Mark Lamontagne

Nov 27, 2024

G
★★★★★
Five-star rating

Matthew Burgard

Nov 21, 2024

G
★★★★★
Five-star rating

Liz Schmidt

Nov 19, 2024

G
★★★★★
Heidi was very helpful and patient. She explained different plans and options without any pressure. Definitely... (excerpt)

Michael Usrey

Nov 13, 2024

G
★★★★★
Chip and Kelsey have been trusted advisers for 20+ years. Originally, advice for employee health insurance for a small business. Later, help with the the individual and Medicare marketplaces. Very knowledgeable.

V M

Nov 12, 2024

G
★★★★★
Kelsey addressed all my concerns. Provided the info necessary to make an informed decision. Listened to my concerns an responded in regular people terms.

William Broersma

Nov 7, 2024

G
★★★★★
These people are awesome. They really know what they’re doing and make everything super fast and easy. I give them my highest recommendation.

Shanna Cullen

Nov 7, 2024

G
★★★★★
I have been working with Kelsey for several years now and she's always super helpful, kind, informative, and thorough. I highly recommend her and Kelmeg and Associates.

Ugljesa Janjic

Nov 7, 2024

G
★★★★★
Kelsey and the team are the very best in their trade. They make all Medicare and healthcare application processes a... (excerpt)

Steve Williams

Nov 4, 2024

G
★★★★★
Five-star rating

Michelle Kerska

Nov 3, 2024

G
★★★★★
Kelsey was so easy to work with. She was quick to respond and very knowledgeable about all my insurance needs!

Stan Smith

Oct 24, 2024

G
★★★★★
Kelsey is excellent to work with. Her knowledgeable expertise is invaluable.

Brian Dolan

Oct 21, 2024

G
★★★★★
Five-star rating

Jill Tallent

Oct 16, 2024

G
★★★★★
Kelmeg and Associates takes the worry and hassle out of the whole process in the least amount of time -- knowledgeable and helpful whether applying for the first time or taking on a new plan -- EXCELLENT!!!

Gina Wadsworth

Oct 15, 2024

G
★★★★★
Kelmeg is always there when you call or they respond quickly.

Jeff Smith

Sep 21, 2024

G
★★★★★
Chip and Heidi were great to work with. I highly recommend their services.

Quin-Lee Ng

May 28, 2024

G
★★★★★
Chip, Heidi & Kelsey are the best. We use them for all our company medical benefit needs and they're excellent to deal with. Very responsive, very knowledgeable.

John Gargaro

Apr 24, 2024

G
★★★★★
Highly recommend if you are looking for assistance navigating the vast health insurance landscape! Was able to schedule a call and speak with Chip, who is knowledgeable and a straight shooter!

Fran Wahl

Apr 10, 2024

G
★★★★★
Five-star rating

Lauren Finamore

Mar 7, 2024

G
★★★★★
Being a 26 year old with no idea of where to start for health insurance, Kelsey at Kelmeg and Associates helped me out... (excerpt)

Me G (Family mailbox)

Mar 4, 2024

G
★★★★★
Five-star rating

Kat Reisenbigler

Feb 23, 2024

G
★★★★★
Kelsey has been my saving grace when it comes figuring out insurance. The marketplace is so confusing and she... (excerpt)

Meghan Murphy

Feb 22, 2024

G
★★★★★
Absolutely amazing people who really care for their clients! Would never trust anyone other than Chip and Kelsey!

Heather Vipond

Feb 21, 2024

G
★★★★★
Kelsey is amazing! She goes above and beyond to find you the best coverage at an affordable rate. She understands the... (excerpt)

Partners and certifications

We work with reputable carriers and programs to help you compare options and enroll with confidence.

Connect for Health Colorado logoAflac logo

Frequently Asked Questions

Is supplemental insurance worth it?

It depends on your budget, risk tolerance, and what gaps you want to cover. We'll help you compare options and decide what's practical.

Does supplemental insurance replace major medical coverage?

No. Supplemental plans are designed to complement major medical coverage, not replace it.

Do these plans pay me or the doctor/hospital?

Some supplemental policies pay benefits directly to you. Others may reimburse covered expenses. It depends on the plan.

Can employers offer supplemental benefits as voluntary options?

Yes. Many employers offer voluntary benefits employees can choose to add, often alongside group medical coverage.

What do I need to get an accurate quote?

Typically your zip code, ages, and which types of coverage you want (accident, critical illness, disability, dental, and so on).

How do I get started?

Book a consult or call (303) 466-9575.

Talk to a Colorado supplemental insurance advisor

Tell us what you're trying to protect: unexpected medical bills, income, dental costs, or travel, and we'll recommend the cleanest next step.

Important information

Information on this page is for general guidance and isn't medical, legal, or tax advice.

Coverage, waiting periods, exclusions, and benefit amounts vary by policy and carrier. We'll confirm what's available and appropriate for your situation during your consultation.