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Medicare Advantage Plans in Colorado

What are Medicare Advantage plans?

A Medicare Advantage plan in Colorado (as in other states) offers an alternative way for beneficiaries who are currently enrolled in Original Medicare, Part A and Part B, to get that coverage. A Medicare Advantage plan provides all the same medical and hospital coverage as Original Medicare, but often includes additional coverage for services like routine vision and dental care. Medicare Advantage plans don't include hospice care, which Medicare Part A still covers when you have a Medicare Advantage plan. The plans are offered by private insurance companies in the state with Medicare's approval, and some include prescription drug coverage.

There may be a number of Medicare Advantage plans available in Colorado to choose from, depending on what county you live in. Types of Medicare Advantage plan options available may include 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.

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, just as many such plans do in other states. Beneficiaries who choose a Medicare Advantage plan without prescription drug coverage may have the option of enrolling in a stand-alone Medicare Part D Prescription Drug Plan. However, some Medicare Advantage plans do not allow enrollment in a separate Part D Prescription Drug Plan, so be sure that your plan allows it before enrolling.

Choosing a Medicare Advantage plan in Colorado

Before enrolling in a Medicare Advantage plan, it's important to weigh your choices carefully to ensure that you find a plan that fits your personal health needs and budget. Some Medicare Advantage plans will include additional coverage, like routine vision, dental, or hearing care, so look for a plan that will cover your health-care requirements and preferences.

In addition to benefit variations (beyond the required Medicare Part A and Part B benefits), Medicare Advantage plans in Colorado may vary in terms of costs such as monthly premiums and annual deductibles. Costs tend to fluctuate in accordance with specific locations and plan types. Be sure you understand all the costs you may incur with a 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 no matter which Medicare Advantage plan you may enroll in.

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