Ideal Flex Series Hospital Indemnity in Colorado

Brought to You by American Home Life & Brokers Fidelity

Brokers Fidelity proudly distributes the Ideal Flex Series Hospital Indemnity Plan in Colorado, underwritten by American Home Life Insurance Company. Whether you’re working with Medicare clients in Denver, Colorado Springs, Fort Collins, or the rural Western Slope, this product delivers real value, fast approvals, and strong commissions.

Why Colorado Agents Should Offer Hospital Indemnity

Colorado has over 1 million Medicare beneficiaries and a growing senior population, yet many of those clients face financial gaps from hospital stays, ER visits, and observation care under Original Medicare or Medicare Advantage. The Ideal Flex Series is a simple, effective solution — offering:

• Cash benefits for hospital stays and observation care
• Daily coverage for ER/Urgent Care, Mental Health, Travel Lodging, Pet Boarding, and more
• 10 optional riders for skilled nursing, outpatient surgery, ambulance transport, and more

Many Colorado agents are positioning Ideal Flex alongside high-deductible Med Supps and Medicare Advantage plans — especially in rural counties where access and affordability are ongoing concerns.

Colorado Medicare Landscape

Colorado is a competitive Medicare Advantage state, with over 46% of Medicare beneficiaries enrolled in an MA plan. However, Original Medicare plus Medigap is still the preferred choice in affluent urban areas and mountain regions. Hospital Indemnity bridges both — offering peace of mind for unexpected costs no matter the primary coverage.

Product Highlights for Colorado Agents

• 72.5% Street Contract – Top-tier commission for independent agents
• Guaranteed Issue (GI) from ages 64.5 to 67 – No health questions
• 12% Household Discount – Applies to roommates, not just spouses
• 5 Daily Benefits – Built into every base plan
• 10 Optional Riders – Customizable protection for every client
• eApp & Two Signature Options – Text or voice signature available

Full County List (Colorado)

Agents can confidently write Ideal Flex policies in every Colorado county:

Adams, Alamosa, Arapahoe, Archuleta, Baca, Bent, Boulder, Broomfield, Chaffee, Cheyenne, Clear Creek, Conejos, Costilla, Crowley, Custer, Delta, Denver, Dolores, Douglas, Eagle, Elbert, El Paso, Fremont, Garfield, Gilpin, Grand, Gunnison, Hinsdale, Huerfano, Jackson, Jefferson, Kiowa, Kit Carson, La Plata, Lake, Larimer, Las Animas, Lincoln, Logan, Mesa, Mineral, Moffat, Montezuma, Montrose, Morgan, Otero, Ouray, Park, Phillips, Pitkin, Prowers, Pueblo, Rio Blanco, Rio Grande, Routt, Saguache, San Juan, San Miguel, Sedgwick, Summit, Teller, Washington, Weld, Yuma

FAQ: Selling in Colorado

• Can I sell this plan with a Med Supp? Yes. It’s ideal as a supplement to High-Deductible G or any standard Plan G/N.
• Can I use this plan alongside Medicare Advantage? Yes. It’s often used to offset Advantage plan copays and deductibles.
• How quickly can I get contracted? 24–48 hours in most cases.

Become Appointed in Colorado

Ready to get started? We offer:

• Fast online contracting
• Step-by-step onboarding & training
• Marketing support and agent materials

Visit www.brokersfidelity.com or email hello@brokersfidelity.com
Call us at 913-374-1550 and let’s get you selling.

About Brokers Fidelity

Brokers Fidelity is a national distribution partner for the Ideal Flex Series, working directly with American Home Life to bring this product to market. We’re more than an upline — we’re your Medicare growth partner, with real-world tools and strategies to help you thrive.

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