Medicare Supplement (Medigap) Plans in Colorado
Medicare Supplement (Medigap) plans are private policies that pay some or all of the costs Original Medicare leaves behind, like deductibles and the 20% Part B coinsurance. Benefits are standardized by letter, so a Plan G is the same with every carrier. Only the price and service differ.
With Original Medicare, you pay 20% of most outpatient costs with no annual cap. A Medicare Supplement plan fills those gaps and lets you see any doctor or hospital in the country that accepts Medicare, with no networks or referrals.
Because every Plan G (or Plan N) has identical benefits, the smart move is comparing price and rate-increase history across carriers. As local Westminster brokers, that's what we do, at no cost to you.
How Medicare Supplement Works in Colorado
Same standardized benefits, different prices. We shop multiple carriers so you don't overpay for Medigap.
Who We Help
People who want predictable costs, the freedom to see any Medicare provider nationwide, or who have ongoing health needs. Also new enrollees in their Medigap Open Enrollment Period.
What It Costs
You pay your Part B premium plus a monthly Medigap premium, which varies by age, ZIP code, tobacco use and carrier. Most people also add a stand-alone Part D drug plan.
How We Help
We compare Medigap prices and rate-increase history across the carriers we represent, pair you with a Part D plan, handle enrollment and stay your contact year-round, at no cost to you.
Talk to a Local Medicare Broker
Medicare brokers are paid by the insurance companies, and plan premiums are the same whether you enroll with a broker or directly. Call 970-685-2066 or request a free quote, and we'll walk you through every Medicare Supplement and Part D option available in your county.
Medicare Supplement FAQs
Medicare Supplement works with Original Medicare to cover out-of-pocket costs and lets you see any Medicare provider, for a monthly premium. Medicare Advantage replaces Original Medicare with a private plan that typically has networks, copays and lower premiums.
During your 6-month Medigap Open Enrollment Period, which starts the month you're 65 or older and enrolled in Part B. During this window, insurers can't deny you or charge more because of your health.
Plan G is the most popular choice for new enrollees because it covers everything except the Part B deductible. Plan N is a lower-premium option with some copays.
No. You'll need a separate Medicare Part D prescription drug plan. We can compare Part D plans for your medications at the same time.