Medicare Advantage
Part C plans that deliver your hospital and medical coverage, and usually your drugs, through one private plan with a yearly out-of-pocket limit.
Services
Insurance Services in Brighton, CO
Take the Stress Out of Medicare. Headwaters Health and Wealth is an independent agency in Brighton, Colorado. Lisa Asmussen helps Coloradans with Medicare, health insurance under 65, dental, vision and supplemental coverage, final expense and retirement planning. "I ask questions, listen to your answers, and only then recommend the type of policies that will fit your unique needs."
Medicare
Medicare
Advantage, Supplement and Part D, compared for your doctors and prescriptions.
Medicare Supplement (Medigap)
Medigap plans that sit beside Original Medicare and pay some or most of the deductibles, copays and coinsurance Medicare leaves you.
Part D Prescription Drug Plans
Stand-alone prescription drug plans for people on Original Medicare, checked against your actual medicines and pharmacy every year.
We do not offer every plan available in your area. Currently we represent 10 organizations which offer 106 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
Health
Health Insurance Under 65
Connect for Health Colorado plans and tax credits, pre-65 coverage, short-term medical and HSAs.
Individual & Family Health (ACA)
Affordable Care Act plans through Connect for Health Colorado for people under 65 who buy their own coverage, with tax credits, networks and drugs checked.
Pre-65 Health Insurance
Health coverage for early retirees and anyone between a job plan and Medicare, planned around income, tax credits and your 65th birthday.
Short-Term Medical
What short-term medical insurance is, why it is hard to find in Colorado, and the better ways to cover a gap between jobs or until Open Enrollment.
Health Savings Accounts
Pair an HSA-qualified health plan with a Health Savings Account and pay medical costs with tax-advantaged dollars, now or in retirement.
Supplemental
Supplemental Coverage
Dental, vision, critical illness, hospital indemnity, cancer, short-term care and travel cover for the gaps.
Dental Insurance
Stand-alone dental plans for people on Medicare and families under 65, compared on waiting periods, annual maximums and your dentist.
Vision & Hearing Insurance
Coverage for eye exams, glasses, contacts and hearing aids, the routine care Original Medicare leaves out, compared with what your plan already includes.
Critical Illness Insurance
A lump sum paid to you if you are diagnosed with a covered illness such as a heart attack, stroke or cancer, to use however you need.
Hospital Indemnity Insurance
Cash paid to you for each day in the hospital, to help with copays, deductibles and the bills that keep coming while you recover.
Cancer Insurance
A policy that pays cash benefits after a cancer diagnosis and during treatment, to help with the costs your health plan leaves behind.
Short-Term Care Insurance
Coverage for care at home or in a facility for up to about a year, after an injury, surgery or illness, with simpler approval than long-term care insurance.
Travel Insurance
Travel medical and trip protection for trips abroad, especially for people on Medicare, whose coverage mostly stops at the border.
Final Expense
Final Expense
Burial and final expense cover so your family is not left with the bill.
Final Expense & Burial Insurance
Small whole life policies that pay a funeral, burial or cremation and final bills, so your family is not left with the cost.
Retirement
Retirement Planning
A no-cost retirement planning review and annuities for income you cannot outlive.
Retirement Planning Review
A no-cost retirement planning review that puts health coverage, Medicare, Social Security timing and income protection on one page.
Annuities & Retirement Income
Fixed and fixed indexed annuities for guaranteed growth or lifetime income, explained in plain English with every surrender charge on the table.
FAQ
Common questions
What does it cost to work with Headwaters Health and Wealth?
There is no fee to talk with Lisa. Insurance companies pay agents a commission that is built into the price of a plan, so a plan costs the same whether you enroll on your own or with her help.
Which areas does Headwaters Health and Wealth serve?
The office is at 992 South Fourth Avenue in Brighton, Colorado, in Adams County. Lisa works with people across Brighton, Commerce City, Thornton, Henderson, Fort Lupton and the rest of the northeast Denver metro, the wider Front Range and Colorado statewide, in person, by phone or virtually.
Can Lisa help me with more than one kind of insurance?
Yes. Many people start with Medicare or health insurance and later add dental, vision, hospital indemnity, final expense or a retirement planning review. Looking at everything together helps avoid gaps and paying twice for the same protection.
Does Headwaters Health and Wealth offer every Medicare plan in my area?
We do not offer every plan available in your area. Currently we represent 10 organizations which offer 106 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
We speak insurance, so you don't have to.
Tell Lisa what you are trying to protect. She will explain your options in plain English and review them with you every year.
992 South Fourth Avenue, Brighton, CO 80601 · (303) 887-8584
Content reviewed by Lisa Asmussen, Medicare Broker and Licensed Insurance Agent at Headwaters Health and Wealth in Brighton, Colorado, certified to sell Medicare plans since 2018 (8 years). Last updated .