Medicare Advantage in Colorado

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Colorado state

Information about Medicare Advantage Plans in Colorado

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38 percent of Medicare beneficiaries in Colorado were enrolled in a Medicare Advantage (Medicare Part C) plan in 2019.1

There are 48 different Colorado Medicare Advantage plans in 2019.1 Not every plan is available in each county, however.

A licensed insurance agent can help you compare the availability, benefits and costs of Medicare Advantage plans that are offered where you live in Colorado.

You can also learn more about other types of Medicare plans:

Average costs of Medicare Advantage in Colorado

The average monthly premium for a Medicare Advantage plan in Colorado in 2019 is $20 per month.

18 different CO Medicare Advantage plans feature $0 monthly premiums in 2019.

  • Average monthly premium cost in 2019 (weighted): $20
  • Average in-network out-of-pocket spending limit: $4,773
  • Average deductible in 2019 (weighted): $118.371

The costs associated with Medicare Advantage plans in your area can vary.

The average costs and enrollment information for 2019 Colorado Medicare Advantage plans are listed by county below in this guide.

A licensed insurance agent can help you compare Medicare Advantage plan costs in your area.

Compare Colorado Medicare Advantage plan costs

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Or call TTY Users: 711 24/7 to speak with a licensed insurance agent.

Medicare Eligibility & Enrollment

In order to enroll in a Medicare Advantage plan in Colorado, you must first be enrolled in Medicare Part A and Part B (also called Original Medicare).

In order to sign up for Original Medicare at age 65:

  • You must be a U.S. citizen or permanent legal resident who has lived in the U.S. for five continuous years.

  • You or your spouse must be eligible for Social Security or Railroad Retirement benefits.

  • You or your spouse must be government employees or retirees who have paid Medicare payroll taxes.

You may be able to enroll in Medicare before age 65 if:

  • You receive Social Security disability benefits or certain Railroad Retirement Board disability benefits for at least 24 months.

  • You have ALS (amyotrophic lateral sclerosis, or Lou Gehrig's disease).

  • You have End-Stage Renal Disease (ESRD).

It’s important to note that if you have ESRD, you may not qualify for most Medicare Advantage plans.

If you have ESRD, you may be able to enroll in a Colorado Medicare Special Needs Plan (SNP) that is specifically designed to help meet your health care needs.

How to sign up for a Medicare Advantage Plan in Colorado

Your first opportunity to enroll in a Colorado Medicare Advantage plan is typically during your Medicare Initial Enrollment Period (IEP).

Medicare Initial Enrollment Period graphic

Your Medicare IEP begins three months before you turn 65, includes the month of your birthday and continues for three more months after your birthday.

Once your IEP ends, you may be able to sign up for a Medicare Advantage plan during one of the following enrollment periods:

Medicare Advantage Open Enrollment Period graphic

Medicare Advantage Open Enrollment Period: January 1 – March 31

You may switch Medicare Advantage plans or drop your Medicare Advantage plan and return to Original Medicare during this period, which lasts from Jan. 1 to March 31 each year.

You can join a Medicare standalone prescription drug plan (Medicare Part D) if you return to Original Medicare during this period.

Medicare AEP graphic

Medicare Annual Enrollment Period (AEP): October 15 – December 7

You may enroll in a Medicare Advantage plan or switch from one Medicare Advantage plan to another during Medicare AEP, which lasts from Oct. 15 to Dec. 7 each year.

During AEP, you may also join, switch or drop a Medicare Part D plan. 

You may also drop your existing Medicare Advantage plan and return to Original Medicare.

Medicare Special Enrollment Periods (SEP)

You may potentially be granted a Medicare Special Enrollment Period (SEP) for qualifying circumstances. A Medicare SEP could potentially happen at any time during the year.

A licensed insurance agent can help you find out if you qualify for a Medicare Special Enrollment Period.

Find a Colorado Medicare Advantage plan

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Or call TTY Users: 711 24/7 to speak with a licensed insurance agent.

Top-rated Medicare Advantage Plans in Colorado 2019

Each year, the Centers for Medicare & Medicaid Services (CMS) issues star ratings for all Medicare Advantage plans using a system of one to five stars.2

In order for a Medicare Advantage plan to be considered a top-rated plan, it must have four or more stars out of five stars.

Plans are graded using a star system and are re-evaluated every year, so a plan’s ratings can change annually.

There are 20 top-rated 2019 Medicare Advantage plans in Colorado that are rated four stars or higher, which is close to 42 percent of all 2019 Colorado Part C plans.

Medicare Star Ratings
Star Ratings

★★★★★

Excellent

★★★★

Above Average

★★★

Average

★★

Below Average

Poor

Medicare Advantage plans are rated on five primary categories:

  • Preventive care and health maintenance (screenings, tests, vaccines, etc.)
  • Management of chronic conditions
  • Member experiences and ratings of the plan
  • Member complaints, problems receiving services and member retention
  • Customer service

The information for the star ratings is gathered from member surveys, information that is submitted to Medicare and Medicare’s regular monitoring activities.

List of Medicare Advantage Plans Available in Colorado in 2019

To view a list of plans offered in your area within Colorado, use our plan comparison tool.

Find a Colorado Medicare Advantage plan

Compare Plans

Or call TTY Users: 711 24/7 to speak with a licensed insurance agent.

Private insurance companies offer Medicare Advantage plans in Colorado

Different insurance carriers may offer Medicare Advantage plans in Colorado, but plan availability can vary from one region of the state to another.

Private insurance companies offer Medicare Advantage plans that may be unique to the plan area they serve.

A licensed insurance agent can help you find Medicare Advantage plans that are sold by insurance companies in your area.

You can also use some of the following information to get help finding a Medicare Advantage plan that fits your needs:

  • The Medicare Star Ratings can give you an idea of a plan’s overall quality.

  • Agencies like A.M. Best, Moody’s and Standard & Poor’s can provide information about an insurance company’s credit rating and financial standing.

  • Websites such as the Better Business Bureau and Consumer Reports can teach you about a company’s reputation among its customers.

  • You can read through Medicare Advantage plan reviews and testimonials from customers.

Colorado Medicare Advantage plans by county

The chart below provides some more information about 2019 Colorado Medicare Advantage plans by county.1

  • Jefferson County and Denver County each had the most 2019 MA plan beneficiaries.

  • El Paso County featured 7 $0 premium plans in 2019, which was the most out of any county in Colorado.
2019 CO Medicare Advantage by County
County Total of County MA Enrollees % of Medicare Beneficiaries Enrolled in MA Average Monthly Premium Number of Plans Available Number of $0 Premium Plans Available % Enrolled in a $0 Premium Plan
Adams 33949 49% $22 15 6 61%
Alamosa 767 24% $51 3 0 1%
Arapahoe 44395 43% $20 0 0 63%
Archuleta 680 16% $61 0 0 1%
Bent 58 5% $68 0 0 0%
Boulder 22068 39% $20 0 0 65%
Broomfield 5399 44% $24 0 0 59%
Chaffee 1254 21% $66 0 0 1%
Cheyenne 40 10% $76 0 0 0%
Clear Creek 616 29% $20 0 0 71%
Conejos 555 27% $48 1 0 1%
Costilla 305 23% $48 0 0 1%
Crowley 161 16% $61 0 0 9%
Custer 412 21% $66 2 0 3%
Delta 2574 26% $77 0 0 0%
Denver 48042 47% $20 1 0 64%
Dolores 61 10% $65 0 0 0%
Douglas 19823 40% $20 3 0 65%
Eagle 471 7% $80 0 0 0%
El Paso 39524 34% $9 9 7 80%
Elbert 1569 31% $21 0 0 66%
Fremont 5150 38% $6 0 0 86%
Garfield 1065 11% $72 0 0 0%
Gilpin 351 30% $33 2 0 43%
Grand 436 15% $63 0 0 4%
Gunnison 296 11% $68 0 0 0%
Hinsdale 24 9% $76 0 0 0%
Huerfano 554 20% $49 0 0 2%
Jackson 35 10% $76 0 0 0%
Jefferson 60168 52% $21 5 3 62%
Kiowa 20 6% $76 0 0 0%
Kit Carson 128 8% $90 0 0 0%
La Plata 1793 15% $75 0 0 0%
Lake 132 11% $69 0 0 0%
Larimer 23707 36% $9 3 2 76%
Las Animas 1041 23% $66 0 0 2%
Lincoln 107 9% $89 0 0 0%
Logan 836 19% $87 0 0 3%
Mesa 11710 33% $70 0 0 0%
Mineral 44 14% $57 1 0 0%
Moffat 225 9% $69 0 0 0%
Montezuma 1131 16% $74 0 0 0%
Montrose 2887 24% $70 0 0 0%
Morgan 796 15% $70 0 0 2%
Otero 1040 21% $80 0 0 4%
Ouray 212 14% $68 0 0 0%
Park 1024 24% $45 0 0 36%
Phillips 63 6% $76 0 0 0%
Pitkin 178 5% $69 0 0 0%
Prowers 199 8% $49 0 0 0%
Pueblo 17671 44% $7 0 0 85%
Rio Blanco 198 16% $81 0 0 0%
Rio Grande 650 18% $48 1 0 0%
Routt 479 11% $69 0 0 0%
Saguache 201 14% $50 0 0 0%
San Juan 13 7% $76 0 0 0%
San Miguel 120 10% $67 0 0 0%
Sedgwick 52 7% $49 0 0 0%
Summit 512 12% $66 0 0 1%
Teller 2457 34% $8 0 0 82%
Washington 81 7% $76 0 0 0%
Weld 18041 38% $10 2 0 73%
Yuma 136 7% $84 0 0 0%

CO Medicare Advantage enrollees by plan type

The chart below illustrates the percentage of 2019 Colorado Medicare Advantage enrollees that are enrolled in each primary type of Medicare Advantage plan.1

Plan type Percentage of Colorado enrollees (2019)
HMO 94.9%
Cost Plans 5%
Local PPO <1%
PPFS <1%

The major types of Medicare Advantage plans include:

  • HMO
    Health Maintenance Organization (HMO) will typically require you to only visit health care providers, hospitals and pharmacies that are in your plan network (except in the case of emergencies).

    An HMO plan will also typically require you to get a referral from a primary care doctor in order to see a specialist.

  • PPO
    If you have a Preferred Provider Organization (PPO), you may be able to see providers outside of your plan’s network, often at a higher cost.

    Beneficiaries of a PPO plan typically pay less out of pocket if they choose to receive medical services from providers within their plan’s network.

    PPO plans typically do not require patients to acquire a referral before going to see a specialist.

  • PFFS
    A Private Fee-For-Service (PFFS) plan determines how much it will pay to health care providers and how much the patient will pay at the point when care is received.

    With a PFFS plan, you can typically receive care from any doctor, hospital or health care provider, as long as they accept Medicare as well as your plan terms.

  • SNP
    A Special Needs Plan (SNP) is a type of Medicare Advantage plan limited to people with certain chronic conditions and other specific characteristics, such as being dual eligible for Medicaid and Medicare.

Not all of these types of plans may be available in your area. A licensed insurance agent can help you compare the types of 2019 Colorado Medicare Advantage plans that are available where you live.

Local health insurance resources in Colorado

  • Colorado’s Senior Health Insurance Assistance Program provides free help regarding Medicare benefits, Medicare Supplement Insurance, long-term care insurance and more.

    This community program puts on public presentations, provides individual counseling, distributes educational materials and answers questions from beneficiaries, their families and caregivers.

    The Colorado SHIP may be contacted at 888-696-7213.

  • You can also explore more information about the insurance industry in Colorado by visiting the state’s Department of Insurance website.

  • Colorado Prescription Drug Assistance Programs
    The state of Colorado has a number of programs designed to help with the cost of prescription drugs. There are programs for both Medicare beneficiaries and non-Medicare beneficiaries alike that can cover the cost of premiums and cost-sharing or even lower the cost of the drugs themselves.

Copyright © 2019 TZ Insurance Solutions LLC. All rights reserved.

1 MedicareAdvantage.com's internal analysis of CMS Medicare Advantage landscape source files, accessed May 2019. Data retrieved from www.cms.gov/Medicare/Prescription-Drug-Coverage/PrescriptionDrugCovGenIn.

Includes 2019 approved contracts/plans. PACE, Special Needs Plans, Part B Only Plans, and Employer sponsored plans (800 series) are excluded. Plans under sanction are not shown.

2 Every year, Medicare evaluates plans based on a 5-star rating system.

MedicareAdvantage.com is a website owned and operated by TZ Insurance Solutions LLC. TZ Insurance Solutions LLC is a licensed and certified representative of A Medicare Advantage [HMO, PPO and PFFS] organization and a stand-alone prescription drug plan with a Medicare contract. Enrollment in any plan depends on contract renewal.

TZ Insurance Solutions LLC and the licensed sales agents that may call you are not connected with or endorsed by the U.S. Government or the federal Medicare program. This website does not contain a complete listing of plans available in your service area. For a complete listing please contact 1-800-MEDICARE (TTY users should call (877) 486-2048), 24 hours a day / 7 days a week or consult www.medicare.gov.

This information is not a complete description of benefits. Contact the plan for more information. Limitations, copayments, and restrictions may apply. Benefits, premiums, and/or copayments/coinsurance may change on January 1 of each year.

Medicare has neither reviewed nor endorsed this information.

Last Updated: 6/26/2019