Our Medicare Partners
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Original Medicare
Original Medicare provides medical coverage for hospitalization/inpatient care under Part A and outpatient/doctors office under part under part B. Part A is typically premium free Part B has an affordable monthly premium based on your income. With no cap in out of pocket expenses, original Medicare can still leave seniors with some sizeable medical expenses and most should consider A and B as the only the first piece of the Medicare puzzle.
Medicare supplement/medigap
Medicare supplement, or medigap, pays out of pocket expenses under original Medicare and purchased in addition to parts A and B. They are designed by the government, given a letter name (such as plan N or G). These plans are handed over to the insurance companies for pricing. This means a plan N will be identical in coverage no matter which health insurance company is providing the plan. The only difference is the price. Medigap plans offer the best coverage out there and the better plans are usually only around $100 - $130 for seniors turning 65. Vision, dental, hearing and prescription plans can be purchased separately for very low premiums and when put together together are fantastic combination of health insurance plans.
Medicare advantage
Medicare advantage puts you more in the hands of a private insurer and less in the hands of Medicare itself. Part C/Medicare advantage plans typically include medical, vision, dental, hearing and prescription coverage all in one plan and often are free of charge outside of your Part B premiums. Unlike original Medicare, Part C will cap your out of pocket expenses on medical costs. With so many Part C plans available, our Colorado health insurance brokers will help you determine which plan works best with your unique situation.