Colorado Senior Health Insurance

Explore Your Options

What a dream to retire in the beautiful state of Colorado. With its outstanding views, gorgeous mountains and endless number of outdoor activities it’s no wonder why many flock to Colorado for retirement. Aging into Medicare can be overwhelming and it’s important that you know your options. Residents in Colorado can purchase a Medicare Supplement Plan, Prescription Drug Plan or a Medicare Advantage Plan.

Medicare Supplements (Medigap) are policies owned by private insurance companies. These are state specific policies but are available nationwide. In general, a Medicare Supplement policy is designed to help cover the costs basic Medicare does not cover. They are often paired with a Prescription Drug Plan since they do not include prescription drug coverage. A great resource to review when helping you choose a Medicare Supplement Plan is

If you are electing to enroll into a Prescription Drug Plan but need Extra Help paying for your prescriptions, visit for more information. Prescription Drug Plans are state specific. If you move from Colorado to another state, it is important to notify so we can assist you with enrolling into a different Prescription Drug Plan available in your destination state. The Prescription Drug Plan premiums and what is covered can change on a yearly basis. Therefore, it is important to take advantage of’s free plan analysis every Open Enrollment Period.

If you decide to enroll into a county specific Medicare Advantage Plan such as an HMO or PPO, this will become your primary insurance instead of your basic Medicare. These, like Prescription Drug Plans, are area specific and can change every year. Therefore, if you move counties or want to take advantage of a yearly analysis during an Open Enrollment Period – please contact so the adequate changes can be made. There are 64 counties in Colorado, and many of these counties have multiple MAPD options. This gives you a plethora of options, and in some counties, there are even $0 premium MAPD options. For more information on what is available in your county, contact today.

Some Colorado retirees may also have benefits with Indian Health Services. The relationship between the federal government and Native American tribes constitutes various rules to follow. However, CMS has made Medicare and Medicaid healthcare services accessible to all Native Americans who eligible. For more information visit

Senior Resources:
Medicare –
Indian Health Services –
Colorado State Site –