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Medicare Supplement Quote

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Colorado Medigap Plans

What Are Medigap Policies ?

Medicare Supplement insurance, also known as Medigap, is a type of insurance that covers some of the gaps in Original Medicare. These plans allow you to cover out-of-pocket costs that you would otherwise have to pay, such as deductibles, coinsurance, and co-payments.

There are 12 different types of Medigap plans that are available in most states, including Colorado. Each plan is identified by a letter, and each plan provides a different level of coverage. The plans with higher letters cover more out-of-pocket costs than those with lower letters. Please note that plan F is not available to anyone joined medicare after 2020.


While the benefits offered by each plan are standardized, the premiums can vary significantly from one insurer to the next. If you’re looking for a Medicare Supplement insurance plan in Colorado, you’ll need to contact insurers directly to get quotes and compare your options.

How Many People Are Eligible For
Medicare In Colorado 

             As of 2020, there were 876,000 people above the age of 65 in Colorado, meaning that around 15.1% of the state’s population is eligible Medicare. 

When To Enroll In A Plan

You can enroll in a Medigap plan at any time. However, there are certain times when it may make sense to sign up for a plan. For example, if you’re turning 65 and enrolling in Medicare for the first time, you may want to consider signing up during your initial enrollment period. This is the six-month period that  starts the month you turn 65 and are enrolled in Medicare Part B. During this time, you can enroll in a Medigap plan without undergoing medical underwriting. If you’re already enrolled and want to switch to a new plan, you can do so during the annual open enrollment period. This period runs from October 15th to December 7th each year.    

  What You Need to Know About  Premiums


The premium is the amount you pay monthly for your Medigap plan coverage. In Colorado, Medigap premiums can vary significantly from one insurer to the next. Keep in mind that premium is just one factor to considerwhen comparing Medigap plans. You’ll also want to look at the benefits offered by each plan and make sure the coverage meets your needs.When you’re comparing Medigap plans, be sure to ask about the premium and any discounts that may be available. Some insurers offer discounts for things like being a non-smoker or having automatic premium payments set up.

    What You Need to Know  About Benefits

While all plans must offer core benefits, others also offer additional benefits. For example, Plan F includes a high deductible option, while Plan G covers foreign travel emergency care. Beneficiaries can choose to enroll in a Medicare Advantage plan or a Medicare Supplement insurance plan or have a combination of both. It’s important to compare the different types of plans before deciding.

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Medicare Supplemental Insurance

Plans Coasts

  • Original Medicare pays for many, but not all, health care services and supplies. Medicare Supplement Insurance policies, sold by private companies, can help pay some of the health care costs that Original Medicare doesn’t cover, like copayments, coinsurance, and deductibles. Medicare Supplement Insurance policies are also called Medigap policies.
  • Some Medigap policies also offer coverage for services that Original Medicare doesn’t cover, like medical care when you travel outside the U.S. If you have Original Medicare and you buy a Medigap policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs. Then, your Medigap policy pays its share. You have to pay the premiums for a Medigap policy.

How do I compare


The chart below shows basic information about the different benefits that Medicare supplement Plans cover. If a percentage appears, the Medigap plan covers that percentage of the benefit, and you’re responsible for the rest

Different insurance companies may charge different premiums for the same exact policy. As you shop for a policy, be sure you’re comparing the same policy (for example, compare Plan A from one company with Plan A from another company).

In some states, you may be able to buy a type of Medigap policy called Medicare SELECT (a policy that requires you to use specific hospitals and, in some cases, specific doctors or other health care providers to get full coverage). If you buy a Medicare SELECT policy, you have the right to change your mind within 12 months and switch to a standard Medigap policy


Every Medigap policy must follow federal and state laws designed to protect you, and it must be clearly identified as “Medicare Supplement Insurance.” Insurance companies can sell you only a “standardized” policy identified in most states by letters A through D, F through G, and K through N. All policies offer the same basic benefits, but some offer additional benefits so you can choose which one meets your needs. In Massachusetts, Minnesota, and Wisconsin, Medigap policies are standardized in a different way.

Medicare Part A

Medicare Part B

   What else should I know about MEDICARE SUPPLEMENT INSURANCE (MEDIGAP)? 

  • You must have Part A and Part B.
  • You pay the private insurance company a monthly premium for your Medigap policy in addition to your monthly Part B premium that you pay to Medicare. Contact the company to find out how to pay your premium.
  • A Medigap policy only covers one person. Spouses must buy separate policies.
  • You can’t have prescription drug coverage in both your Medigap policy and a Medicare drug plan.
  • It’s important to compare Medigap policies since the costs can vary and may go up as you get older. Some states limit Medigap premium costs.

                            When to buy                                    MEDIGAP POLICY ?

  • The best time to buy a Medigap policy is during your Medigap Open Enrollment Period. This 6-month period begins on the first day of the month in which you’re 65 or older and enrolled in Part B. (Some states have additional Open Enrollment Periods.) After this enrollment period, your option to buy a Medigap policy may be limited and it may cost more.
  • If you delay enrolling in Part B because you have group health coverage based on your (or your spouse’s) current employment, your Medigap Open Enrollment Period won’t start until you sign up for Part B.
  • Federal law doesn’t require insurance companies to sell Medigap policies to people under 65. If you’re under 65, you might not be able to buy the Medigap policy you want, or any Medigap policy, until you turn 65. However, some states require Medigap insurance companies to sell Medigap policies to people under 65