Summary: You may be eligible to receive Medicare in Colorado with Original Medicare. You may also choose to enroll in a Medicare Advantage plan. If you stay with Original Medicare, you might enroll in a stand-alone Medicare prescription drug plan. Medicare Supplement insurance may be another option.
Original Medicare in Colorado
Original Medicare in Colorado includes Part A and Part B.
- Medicare Part A is hospital insurance.
- Medicare Part B is medical insurance.
You’ll receive the following benefits under Medicare Part A:
- Limited nursing home care
- Limited home health services
- Hospital care (inpatient)
- Skilled nursing facility care
- Hospice care
In Colorado, as in other states, you can generally enroll in premium-free Medicare Part A. What if you’re not eligible for premium-free Medicare Part A? This might happen if you haven’t worked and paid taxes for ten years or longer in the United States. In this case, you may have to pay a monthly premium.
Medicare Part B covers medical insurance. You must pay the Medicare Part B monthly premium.
Medicare Part B covers services and items such as:
- A second opinion prior to surgery
- Durable medical equipment
- Clinical research studies
- Ambulance services
- Mental health services
Medicare in Colorado Enrollment Requirements
To qualify for Medicare in Colorado, you generally need to be at least 65 years old. You must be a U.S. citizen or legal resident. You also must be eligible for Social Security Administration (SSA) or Railroad Retirement Board (RRB) benefits.
If you’re collecting SSA or RRB benefits, you are automatically enrolled in Medicare when you turn 65 or have received disability benefits for 24 months in a row.
What if you don’t qualify for automatic enrollment? For example, you may have delayed getting SSA benefits. In this case, you can enroll in Original Medicare three months before you turn 65 and no later than four months after that date. This is the Medicare Initial Enrollment Period (IEP). It lasts for seven months.
If you don’t enroll in Original Medicare in Colorado during your seven-month IEP, you can still sign up during the General Enrollment Period. This runs from January 1 to March 31. If you miss your IEP and join Medicare in Colorado at a later date, you might have to pay a late enrollment penalty. This would mean higher monthly premiums.
What if you still have when you turn 65? You might not have to sign up for Part B. That way, you can avoid paying the Part B premium. You can generally avoid paying a Part B late enrollment penalty if you sign up for Part B promptly when your other coverage ends.
Medicare Advantage plan options in Colorado
You may decide to enroll in a Medicare Advantage plan. This is also known as Medicare Part C. Your options may include:
- You can enroll in a Medicare Advantage plan through a Medicare-approved private insurance company. Colorado Medicare Advantage plans offer another way to receive your Part A and Part B benefits.
- Medicare Advantage plans may often offer extra benefits. These may include routine dental, vision, and hearing coverage. Any benefits will vary by plan and availability.
- Many Medicare Advantage plans offer prescription drug benefits. Called Medicare Advantage prescription drug plans, they combine health and prescription drug coverage into one Medicare plan option.
- In 2020, some Colorado Medicare Advantage plans have a $0 monthly premium. Just remember, when you enroll in a Medicare Advantage plan, you’ll need to continue paying the Medicare Part B premium, along with any premium the plan requires.
Medicare Supplement (Medigap) insurance plans in Colorado
Medicare Supplement (Medigap) insurance plans are sold by private insurance companies. These plans can help you pay for out-of-pocket costs for services covered under Original Medicare.
Plan benefits are standardized across ten plan types, labeled letters A through N. Each plan includes different benefits and coverage levels. In 47 states, Medigap insurance plans offer the same standardized benefits for plans of the same letter type.
For example, a Medigap insurance plan you buy in Colorado would have the same basic benefits as a Plan G sold in Florida. Plan prices may vary among insurance companies.
Medicare prescription drug plans in Colorado
If you stay with Original Medicare in Colorado, you might enroll in a stand-alone Medicare Part D prescription drug plan. Part D plans help cover out-of-pocket costs for prescription drugs.
Costs for each Medicare prescription drug plan may vary. They usually require payment of:
- A monthly premium,
- Annual deductible, and
- Copayment or coinsurance
Medicare plan options may differ based on your county. If you live in Denver County, you may have different plan choices than if you lived in Steamboat Springs in Routt County.
You might have different plan options for Medicare in Colorado. You can compare plans easily. Just enter your zip code in the box on this page.
Resources for Medicare in Colorado
Here are some health care resources that may be helpful to you.
- American Board of Medical Specialties, 1-866-275-2267, 353 N. Clark St., Suite 1400, Chicago, IL 60654
- Center for Health Dispute Resolution, 1-585-425-5210, 3750 Monroe Ave., Suite 702, Pittsford, NY 14534
- National Institute on Aging Information Center, 1-800-222-2225, Building 31, Room 5C27, 31 Center Dr., MSC 2292, Bethesda, MD, 20892
- Nursing Home State Survey Agency, 1-303-692-2800
Learn more about how Medicare in Colorado works:
- Medicare Advantage plans in Colorado
- Medicare Supplement (Medigap) plans in Colorado
- Medicare Part D plans in Colorado
Medicare Supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program.
The product and service descriptions, if any, provided on these PlanPrescriber web pages are not intended to constitute offers to sell or solicitations in connection with any product or service. All products are not available in all areas and are subject to applicable laws, rules, and regulations.