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Colorado residents are getting increasingly worried about the rising healthcare costs. Nearly 57% of adults in Colorado reported delaying a recommended healthcare treatment because of affordability burdens in a survey assessing healthcare reforms.

Besides costs, a host of other barriers led to this delay, such as difficulty in getting an appointment, lack of transportation, absence of childcare, and so on. Of the many types of countless medical expenses, the ones frequently associated with the affordability barrier were dental bills, doctor bills, and prescription drug bills.

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Medicare Options in Colorado

Original Medicare

This is the traditional Medicare that is regulated by federal law. Part A and B belong within the Original Medicare category. Part A deals with health care services in a hospital. This covers hospital inpatient treatment, hospice care, certain specialized nursing facilities, and some home healthcare.

Part B covers medical insurance. This plan covers everything from outpatient care to in-home care and durable medical equipment. It also includes certain preventive care, such as vaccines and screenings, to maintain your health and prevent illnesses from getting worse.

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How to Tell if You Need Medigap to Bridge the Gap in your Medicare Plan in Colorado?

You should consider getting supplemental insurance in the form of a Medigap plan if you rely on Original Medicare for your healthcare coverage. Since there’s no cap on what you might pay out-of-pocket for copays, deductibles, and coinsurances in Part A and B, it could lead to unpredictable and high costs. It’s also a good idea to get enrolled in Medigap if you’re looking for freedom of choice when it comes to healthcare providers, as it allows you to see any Medicare provider throughout the United States. However, if you want Medicare Advantage plans with low or zero monthly premiums, it’s not a good idea.

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Medigap Plan Options in Colorado

Although all standard Medigap plans are offered in Colorado, it’s the Plans G and F that are the most preferred as they offer the most adequate coverage and are available in high-deductible versions. Here are a few highlights from some of the Colorado Medigap plans.

Plan F—While it’s one of the most comprehensive plans as it covers the deductibles for Part B, it was only available for Colorado residents who qualified for Medicare till December 2019.

Plan G—This plan is for newer beneficiaries looking for comprehensive coverage. It allows Colorado residents to visit any Medicare provider, even the ones charging more than the amount approved by Medicare, as it pays for the excess charges for Part B.

Plan K—It comes with an out-of-pocket limit. So, if you’ve reached the limit, your plan will pay the entire amount for those who pay their Part B deductibles.

Plan L—This is similar to Plan K, but the monthly premiums are higher than Plan M, plus it comes with relatively lower out-of-pocket limits.

Plan M—It’s not suitable for those requiring inpatient care in hospitals as it only pays 50% of deductibles in Part A.

Plan N—This plan has recently garnered a lot of popularity for offering a lower premium. However, Colorado residents are charged a copay for emergency room visits and doctors.

Medicare Advantage Plans in Colorado

Though Colorado Medicare Supplement plans offer the most extensive coverage, beneficiaries can also go for Medicare Advantage plans in Colorado. They’re offered by private organizations that contract with Medicare. The best copays are only available if you agree to use the plan’s network of physicians and hospitals.

When it comes to premiums, Colorado Medicare Advantage plans may be less expensive than Medicare Supplements. However, you will incur copays along the way.

As with many other types of healthcare, you’ll have to foot the bill for certain services, including hospital stays, physical exams, lab work, supplies, etc. Before signing up for a health insurance plan, make sure that your provider is in the network.

There are four types of Medicare Advantage plans in Colorado.

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Medicare Enrollment in Colorado

Medicare will register Colorado residents automatically if they have received at least four Social Security or Railroad Retirement Board payments before their 65th birthday.

Otherwise, residents can reach out to your local Social Security Office or apply online. We recommend not mailing your application, as that is a much slower process. Enrollment in Medicare is open during the following time frames:

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Let Us Help You Find the Right Insurance Plan

Integrity Now Insurance Brokers boasts a team of qualified Medicare Insurance agents that will play an active role in helping you find the right health insurance company and plan. We’ve helped countless clients understand the complexities and jargon that were in the way of them getting themselves suitable Medicare insurance in Colorado.

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