What is Colorado Original Medicare?

Original MedicareMedicare is a government health insurance program administered by the Centers for Medicare & Medicaid Services (CMS). Medicare is the largest health insurance service in the country, with around 58.4 million Americans participating. To be eligible you must be a citizen of the United States and meet certain requirements. If you are not a citizen of the United States, you can contact the Social Security Administration office to learn if you would be eligible.

Can you answer yes to at least one of the following statements?

  • I am 65 years of age or older.
  • I am under 65, but I have certain disabilities.
  • I have End-Stage Renal Disease (kidney failure that requires a transplant or dialysis).

If so, then you are likely to be eligible for Colorado Orginal Medicare benefits.

In general, Medicare covers services (such as doctor visits, lab tests, and surgeries) as well as supplies (like wheelchairs or walkers) that are considered medically necessary to treat a disease or condition.

There are multiple types of Colorado Original Medicare options, and depending on your individual circumstances, some may be more beneficial to you than others.  If you live in the state of Colorado, contact us to speak to a local, licensed insurance agent and find out which Colorado Original Medicare plan benefits option is right for you.


 

Colorado Medicare Part A

In general, Medicare Part A covers:

    • Hospital care
    • Skilled nursing facility care
    • Nursing home care, as long as custodial care (assistance bathing and dressing) isn’t the only care needed
    • Hospice
    • Home health services

Colorado Medicare Part B

Medicare Part B covers 2 main types of services:

  • Medically necessary services: Services or supplies that are needed to diagnose or treat your medical condition.
  • Preventive services: Health care to prevent illness or detect it at an early stage.

Part B coverage includes things such as ambulance services, clinical research and lab testing, immunizations (such as the flu shot), and durable medical equipment.

Colorado Medicare Supplement Plans (Medigap)

A Medigap plan is a supplemental insurance plan provided by a private insurance company, designed to help fill the “gaps” that Medicare does not cover, such as co-insurance and copay costs. There are multiple federally standardized Medigap plans, and each one offers a different level of coverage.

Colorado Medicare Advantage (Part C)

A Medicare Advantage Plan is an “all-in-one” insurance plan offered by a private insurance company. It includes all of the same benefits covered by Original Medicare Parts A and B, plus many plans also offer additional benefits, such as higher levels of coverage, and coverage for prescription drugs.

Colorado Medicare Part D

A Medicare Part D Plan is an optional plan offered by a private insurance company to help cover the costs of prescription drugs. Each plan is different and may cover different prescription drugs, so it is important to ensure that the plan you choose (if you decide to get Part D coverage) includes coverage for your medications.

Request a Personalized Plan Recommendation

Request a Local Licensed Insurance Professioal to contact you to craft a Personalized Insurance Comparison.  Call us at 844-252-6400 or Click the Button on the right.