Explore your options
Compare options, including Medicare Advantage, Medicare Supplement, and prescription plans.
Find a Licensed Medicare agent in Colorado
Connect with Medicare agents in Colorado
Toni Aldridge
Kevin Hatfield
Shannon Davis
Tyler Eby
Kayla Torry
Brandon Kauffman
Calvin Fritz
Sara Morrissey
Matt Willenborg
Ariel De Jesus
Why work with a Medicare agent
Enroll in Medicare
Get the help you need to enroll in Medicare, from Original Medicare to supplemental coverage.
Use your coverage
Receive extended support to help you use your plan effectively, find doctors, and get savings.
A Snapshot of Medicare in Colorado
48% of Colorado Medicare beneficiaries are on Original Medicare, while 52% are enrolled in Medicare Advantage or other Medicare health plans.
Colorado residents who want to enroll in a Medicare Advantage plan must first enroll in Medicare Parts A and B.
Original Medicare doesn’t cover prescriptions, but Colorado residents can get Medicare Part D to cover their prescriptions. Part D coverage can be obtained either through a Medicare Advantage plan that includes Part D or through a separate Part D plan.
Beneficiaries in Colorado who stay on Original Medicare may also sign up for Medicare Supplement insurance, also known as Medigap. Medigap policies help cover out-of-pocket costs associated with Original Medicare.
Medicare offers a number of preventative services, including vaccines, screenings, and an annual wellness visit. Most preventive services are available at no cost.
How to apply for Medicare in Colorado?
Medicare eligibility in Colorado follows the same nationwide rules as everywhere else in the country. You qualify for Medicare as a US citizen if you meet one of these criteria:
- You're 65 or older
- You have a qualifying disability, such as End-Stage Renal Disease or ALS
- You've received SSDI for 24 months or more
Enrolling in Colorado takes three key steps:
- Sign up for Original Medicare (Part A and Part B)
- Decide on your supplemental coverage:
- Medicare Supplement (Medigap)
- Medicare Advantage (Part C)
- Part D (prescription drug coverage)
- Confirm your doctors are in network, update your pharmacy with your new plan, and activate any additional benefits included with your coverage
FAQs
What should Colorado residents compare when deciding between Medicare coverage options?
Colorado residents should compare monthly premiums, deductibles, copays, and coinsurance when evaluating their options for Medicare coverage. You should also make sure that the plan they choose covers their doctors and prescriptions. While people on Original Medicare can see any doctor who accepts Medicare, people on Medicare Advantage plans can be limited to provider networks. In most cases, you will only receive your full coverage if you see an in-network doctor. Finally, you should look at the other extra benefits offered by Medicare Advantage plans. Things like dental coverage, vision services, hearing aids, and OTC benefits can vary between Medicare Advantage plans.
How can I get help comparing my Medicare coverage options?
Colorado Medicare agents can help you look at your different coverage options across Original Medicare, Medicare Supplement plans, Medicare Advantage plans, and Part D plans. Make sure to choose an independent agent who will look at every option available to you and compare your options based on your specific doctors, prescriptions, and preferences.
Chapter's Colorado Medicare agents offer free, personalized support to help Colorado residents compare their coverage options. Schedule a free consultation or call Chapter at (855) 900-2427 for personalized support.
Can Colorado residents switch between Original Medicare and Medicare Advantage?
Yes. Colorado residents can switch from Original Medicare to Medicare Advantage or from Medicare Advantage to Original Medicare during the Open Enrollment Period, which goes from October 15 through December 7 each year. Medicare Advantage beneficiaries can also change plans or return to Original Medicare between January 1 and March 31. If you switch from Medicare Advantage back to Original Medicare, you may also add a prescription drug coverage and a Medicare Supplement plan. That said, outside of certain guaranteed issue periods, insurance companies may deny your Medicare Supplement application or charge you more based on your health history. The best time for most people to enroll in a Medigap plan is during the Medigap Open Enrollment Period.
What can Colorado residents do if Medicare denies coverage or payment?
Medicare beneficiaries have the right to appeal if Original Medicare, a Medicare Advantage plan, or a Medicare drug plan denies coverage for a treatment, service, or prescription. The denial notice includes instructions and deadlines for filing an appeal. Healthcare providers can also provide documentation to support the appeal.
