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Medicare Advantage Plans in Colorado

What are Medicare Advantage plans in Colorado?

A Medicare Advantage plan in Colorado offers an alternative for beneficiaries who currently have Part A and Part B. A Medicare Advantage plan provides all the same medical and hospital coverage as Original Medicare , but often includes additional coverage for services like vision and dental care. Prescription drug coverage might also be included in some plan options. The plans are sold by private insurance companies in the state with Medicare's approval.

There are a number of Medicare Advantage plans available in Colorado to choose from, including Preferred Provider Organizations (PPOs), Health Maintenance Organizations (HMOs), and Private Fee-for-Service (PFFS) plans. Beneficiaries may also choose a Medicare Medical Savings Account (MSA), which is a high-deductible health plan that allows them to choose their providers and health care services

In 2012, there were 667,227 Medicare beneficiaries living in Colorado. Of that number, 226,449, or 35% of the total Medicare population, were enrolled in a Medicare Advantage plan in Colorado.

Prescription drug coverage with a Medicare Advantage plan in Colorado

Some Medicare Advantage plans in Colorado feature prescription drug coverage as a part of the plan. Beneficiaries who choose a Medicare Advantage plan without prescription drug coverage may have the option of enrolling in a stand-alone Prescription Drug Plan (PDP). However, some Medicare Advantage plans do not allow enrollment in a separate PDP, so be sure that your plan allows it before enrolling.

Medicare Part D , a plan offering prescription drug coverage, is available to beneficiaries with Original Medicare or a Medicare Advantage plan in Colorado that does not include this coverage. However, if prescription drug coverage is included with Medicare Advantage, a beneficiary may not "double up" on coverage by enrolling in a Medicare Part D plan at the same time.

Choosing a Medicare Advantage plan in Colorado

There were 55 Medicare Advantage plans in Colorado in 2012, offering plenty of options to beneficiaries in the state. Before enrolling in one of these plans, it is important to weigh your choices carefully to ensure that you find the plan that fits best with your personal health needs and budget. Some of these plans will include additional coverage for vision, dental, or hearing care, so choose the plan that will cover all of your health care requirements.

In addition to coverage inclusions, Medicare Advantage plans in Colorado will vary in terms of monthly premiums and annual deductibles. Costs tend to fluctuate in accordance with specific locations and plan types. Be sure you understand the full cost of the plan before enrolling. Some Medicare Advantage plans in Colorado may have monthly premiums as low as $0, but you are still responsible for paying the Medicare Part B premium.

Trends in Medicare Advantage plans in Colorado

Some of the popular trends in Medicare Advantage plans in Colorado during 2012 include:

  • Medicare beneficiaries made up 13% of the total population in Colorado.
  • The most popular type of Medicare Advantage plans in Colorado is an HMO, with 173,341 enrollees.
  • Another 20,219 beneficiaries were enrolled in a PPO.
  • There were 168,415 beneficiaries enrolled in a Medicare Advantage plan in Colorado with prescription drug coverage.
  • The state offered 23 HMO plans, 7 PPO plans, and 6 PFFS plans.

Data provided by the Henry J. Kaiser Family Foundation.

Medicare has neither reviewed nor endorsed this information.

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