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Guide to Colorado Medicare Supplements in 2021

Many top insurance carriers offer Medicare Supplement plans in Colorado. These plans help fill the gaps in Medicare. Below we’ll discuss the many options Coloradans have with Medicare.

Medicare Plans in Colorado

Over 900,000 people in the state have Medicare. About 38% of those people have an Advantage plan. There are over 25 Part D options, and all beneficiaries have access to a plan.

There are many options because the best plan for your friend isn’t going to provide you with the same value.

Medicare Supplement Plan Enrollment in Colorado

The time to apply is during the Medicare Supplement Open Enrollment Period. When you turn 65 and have Part B, you’re eligible for Medigap.

You have six months to enroll without worrying about underwriting or pre-existing conditions. After that, you can still enroll at any time, you’ll just have to answer some health questions. Unless, of course, you qualify for a Special Enrollment Period.

Medicare Advantage Plans in Colorado

Medicare Advantage in Colorado

If you’re unable to afford the premiums for Medigap, a good alternative is Medicare Advantage.

There are a plethora of Medicare Advantage plans. They have PPO‘s and HMO‘s. Costs range from $0 to over $120 a month.

A high premium DOESN’T equate to better coverage, a low premium doesn’t mean “affordable.”

In Colorado, 13% of Advantage members have Humana. Some Humana plans have 4.5 stars.

Medigap doesn’t have star ratings, but Plan G reviews express the value of coverage!

Medicare Prescription Drug Plans in Colorado

Part D Plans in Colorado

Part D covers drugs a doctor prescribes. If you don’t sign up when you’re eligible, there could be penalty fees.

There are low-cost Part D options; these are suitable for those with a few generics or no meds.

Depending on the prescriptions you take, you may need a more extensive plan.

A higher premium with lower copayments is a possible solution. Talking with an agent is the easiest way to identify a suitable Part D option for you.


Who qualifies for Medicare in Colorado?
Those 65 and older are eligible for Medicare. Also, people with a disability like Amyotrophic Lateral Sclerosis or ESRD qualify. Further, those on Social Security disability for at least 24 months are eligible. For those aging into Medicare, you’ll need about ten years of work credits. But, those under 65 may not need to worry about work credits.
Which Colorado Medicare Supplement plans have Silver Sneakers?
Some Advantage plans offer SilverSneakers with the policy or as an extra benefit. SilverSneakers WON’T be available with every option; but, there are other routes to travel. Programs can give you access to on-demand workouts and thousands of gyms.
How do I apply for Medicare in Colorado?
Applying for Medicare is the same across the country. You sign up for Medicare through Social Security online, on the phone, or in-person at an office.

How to Apply for Medicare in Colorado

Sure, you could find insurance on your own, but is it the best option? When you consult an agent, you're choosing to have an expert help identify a suitable policy.

If you want total confidence in your policy choice, give one of our agents a call at the number above. An agent can answer questions and walk you through the enrollment process.

Call an agent now to get started! If calling now isn't an option, fill out our online rate comparison form to get one step closer to your policy match.

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Lindsay Malzone

Lindsay Malzone is the Medicare expert for MedicareFAQ. She has been working in the Medicare industry since 2017. She is featured in many publications as well as writes regularly for other expert columns regarding Medicare. You can also find her over on our Medicare Channel on YouTube as well as contributing to our Medicare Community on Facebook.


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