Medicare in Colorado

Mike Olmos by Mike Olmos | Licensed since 2010
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This article was updated on: 09/16/2018

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You may want to consider all of your Medicare plan options in Colorado before choosing a plan. This page helps you review what’s available while offering Medicare.com’s plan comparison tool to examine plan pricing options and plan details.

About Medicare in Colorado

Colorado residents may opt to receive their Medicare benefits through the federal program (Original Medicare, Part A and Part B), or they may wish to enroll in a Medicare Advantage (Medicare Part C) plan, which offers the same benefits as Original Medicare, Part A and Part B, but may include additional coverage like prescription drugs, routine vision, or dental benefits.

Types of Medicare coverage in Colorado

Original Medicare, Part A and Part B, includes inpatient hospital care (Part A) and doctor/physician services (Part B).

Medicare Advantage, Part C, is Medicare insurance offered through private Medicare-approved insurance companies as opposed to the federal government. Not every Medicare Advantage plan may be available in your area, and costs and coverage details may vary by provider.

Medicare Part D offers prescription drug coverage. Like Medicare Advantage plans, not every stand-alone Medicare Prescription Drug Plan may be available in every Colorado county. You may also choose to get your Medicare Part D coverage through your Medicare Advantage plan (also called a Medicare Advantage Prescription Drug plan), instead of through a stand-alone plan.

Colorado residents who are enrolled in Medicare Part A and Part B also have the option to purchase Medicare Supplement insurance or Medigap to cover certain health care costs that Original Medicare does not cover, including deductibles, copayments, coinsurance, and other out-of-pocket costs.

Local resources for Medicare in Colorado

  • Medicare Savings Programs in Colorado: Residents with Medicare may apply for one of the savings programs in Colorado through the state’s Department of Health Care Policy and Aging. These programs offer help to residents who need assistance paying their Part A or Part B premiums. In most cases, your income must fall below a certain limit to qualify for one of these programs.
  • Colorado State Health Insurance and Assistance Programs (SHIP): The Senior Health Insurance Assistance Program (SHIP) helps Medicare beneficiaries in Colorado by answering questions about Medicare. These services are available at no charge.

How to apply for Medicare in Colorado

Applying for Medicare in Colorado is the same process as any other state. To qualify for Medicare, you must be either a United States citizen or a legal permanent resident of at least five continuous years. Residents are enrolled automatically in Medicare Part A and Part B at age 65 if they already receive Social Security Administration or Railroad Retirement Board benefits. Disabled residents are enrolled before age 65 if they receive Social Security disability benefits, or certain disability benefits through the Railroad Retirement Board, for 24 months; those who qualify for Medicare by disability are automatically enrolled in the 25th month of disability benefits.

If you have to enroll manually, it can be done through the Social Security office (either in person, online, or over the phone).

  • Visit the Social Security website.
  • Call Social Security at 1-800-772-1213 (TTY users should call 1-800-325-0778), Monday through Friday, 7AM to 7PM.
  • If you worked for a railroad, call the Railroad Retirement Board at 1-877-772-5772 (TTY users call 312-751-4701), Monday through Friday, 9AM to 3:30PM.

Failure to enroll in Medicare when you are first eligible may result in a financial penalty for late enrollment if you decide to enroll later on.

Deciding to stay with Original Medicare or choosing a Medicare Advantage plan, Medicare Prescription Drug Plan, or Medigap plan can be confusing, but I can help you sort them out. To learn more about me, click the “View profile” link below my photo. You can also schedule a phone call or request a personalized email from me by clicking the links below. If you’d like to compare plans yourself, click the Compare Plans button on the right side of this page.

 

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