Individual Custom Health Plans
Individual Health Insurance Plans: Tailored coverage for essential health benefits including preventive care, dental, vison, emergency services, and prescriptions to meet personal health needs and budgets.
Turning 65
Specialized health services, including additional coverage options for dental, vision, and hearing, with guided support for selecting optimal
Medicare plans.
Family Health Coverage Plans
Comprehensive coverage plans ensuring your entire family's health needs are met affordably, with options tailored for children to adults.
Employer Group Plans
Running a small business means every decision counts-including the benefits you offer your team. We work directly with you and your employees to review available options and select the plan that fits best. Our purpose is to simplify the process so choosing health coverage doesn't take away from the time you need to focus on your business
Our Service
Individual, Family, and Group Plans
Dental & Vision Plans
Cancer & Stroke Protection Plans
Life Insurance
Hospital Indemnity Insurance
Health Sharing
Patrick Ducharm
Licensed Independent Health
Insurance Broker
I am a dedicated, results-oriented independent broker specializing in Medicare and Health Insurance. With a strong commitment to client advocacy, I help individuals and families secure the right coverage for long-term peace of mind.
My approach is centered on building lasting relationships founded on trust, transparency, and clear communication. I'm passionate about educating my clients-breaking down complex insurance concepts into simple, easy-to-understand language so they can make informed, confident decisions.
With in-depth knowledge of Colorado's healthcare insurance landscape, I provide personalized guidance tailored to each client's unique needs and the state's specific network of healthcare providers. Whether navigating Medicare plans or selecting individual or family coverage, I offer dependable, expert support at every stage of the process.
Testimonials
Jasmine Richards
Chose an Individual Plan with Benefits Connects —super flexible and affordable. Also got our office on their Group Insurance, and it's been smooth sailing. Highly recommend!
Monica Chandler
Don't fight you way through all of the Medicare options that are out there by yourself. Let Patrick take you through them instead.
We attended one of Benefits Connects Medicare education seminars in Longmont and decided that night who I was going to work with.
Thomas Krazinski
Consulted Benefits Connects for health insurance advice. Quite straightforward guidance, helped clarify all doubts. A refreshing, no-hassle approach to understanding complex insurance details.
DISCLAIMER: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
FAQs
Your Questions Answered - Ensuring Clarity for Your Health Coverage Needs
How do I choose the right health insurance plan for me?
Assess your health needs, medical history, and budget. Contact our advisors for tailored guidance.
Are pre-existing conditions covered by Benefits Connects 1?
Yes, many of our plans cover pre-existing conditions; however, there may be a waiting period before coverage starts. We encourage discussing your specific conditions with our advisors to find a suitable plan.
Can I add family members to my individual health plan at any time
Family members can be added during the annual enrollment period or due to qualifying events like marriage or childbirth
What is the process for filing a claim?
To file a claim, complete a claim form and submit it with required documents such as medical bills.
How are group insurance premiums calculated for businesses?
Premiums are based on group size, coverage type, and the group's demographic risk factors.
What happens if I miss a premium payment?
If a payment is missed, there is a grace period to make the payment without losing coverage. If the payment is not made within this period, your policy might be canceled.
Contact Us
247 Mountain Ave
Berthoud, CO 80513