Colorado Medicare Advantage Plans

What are Colorado medicare Advantage Plans?  Do you want extra benefits in addition to the coverage offered by Original Medicare (Part A and Part B)—all in one plan?  The way to get that is through Medicare Part C or Medicare Advantage.  In 2003 Congress passed the Modernization of Medicare Act which added Medicare Part C and Medicare Part D to the Medicare program to give consumers more coverage choices.

Medicare Advantage (Part C) plans are offered by private insurance companies approved by Medicare.  Plans include all the coverage provided by Parts A and B plus additional benefits not offered with Original Medicare.

Who can get a Colorado Medicare Advantage Plan?

Anyone who is eligible for Medicare may choose to join a Medicare Advantage plan, if one is offered where they live. Available plans may differ from one state or region to the next.

You must be enrolled in both Medicare Part A and Part B before you can join any Colorado Medicare Advantage Plans. You will still be in the federal Medicare program, but your benefits will be provided through the plan instead of through the government.

What do Colorado Medicare Advantage Plans cover?

All Medicare Advantage plans are required to cover:

  • All Medicare Part A benefits, like hospital stays, skilled nursing services and some home health care (Hospice care is still covered by Original Medicare, even if you have a Medicare Advantage plan.)
  • All Medicare Part B benefits, like doctor visits, preventive screenings and outpatient care

Most Colorado Medicare Advantage Plans also include prescription drug coverage (Part D).  Original Medicare does not cover prescription drugs, but you can buy a separate Part D plan to get that coverage.

Some Colorado Medicare Advantage Plans also include additional benefits, such as:

  • Routine dental and vision care
  • Wellness programs and gym memberships
  • Nurse helpline services

Learn More about Colorado Medicare Advantage Plans in this short Video:

What does a Colorado Medicare Advantage Plans cost?

Each Medicare Advantage plan sets its own costs.  Some plans charge a monthly premium and others don’t.  Most plans share costs with you through deductibles, co-pays and co-insurance.  Specific costs may vary from one plan to the next.

Medicare Advantage plans are required to set an annual out-of-pocket maximum amount.  This amount is the most you could be charged for your Medicare-covered health care in a year.

The most a plan can have for an out-of-pocket maximum in 2016 is $6700.  A plan may set a lower maximum amount, but not a higher one.

Deductibles, co-pays and co-insurance count toward the out-of-pocket maximum.  Monthly premium payments do not.

There is no out-of-pocket maximum with Original Medicare.

How do I join a Colorado Medicare Advantage Plan?

You may choose to enroll in a private Medicare Advantage plan after you complete your initial enrollment in both Part A and Part B.  You may also join a Medicare Advantage plan during Medicare Open Enrollment, which happens every year from October 15 through December 7.

You can find out about plans offered where you live using Medicare’s plan finder tool. Just enter your zip code and the plan finder will show you a list of available plans.

You may enroll in a plan at or with the plan directly, once you are comfortable with your plan choice.

2018 Colorado Medicare Advantage Plans we work offer.

Bright Health MedicareUnitedHealthcare Medicare SolutionsAetna MedicareHumana MedicareAnthem Blue Cross Blue Shield Medicare





Do you have questions about your plan or want to learn about a different plan?  Click HERE to Contact us Today.


A Colorado Medicare Advantage Plans are an option for people who want more coverage than Original Medicare provides plus the convenience of one plan for all of their health care needs.

It’s important to look for Medicare coverage that may fit with your health care and budget needs.  The Licensed and Local Agents of Healthy Colorado Insurance can help.  Call us today (844) 252-6400.




1 thought on “Colorado Medicare Advantage Plans”

Leave a Reply