Medicare Advantage in Colorado

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Colorado state

Information about Medicare Advantage Plans in Colorado

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There are 49 different Colorado Medicare Advantage Prescription Drug (MAPD) plans in 2021.1 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 with prescription drug coverage in Colorado in 2021 is $23 per month.

  • Average monthly premium cost in 2021 (weighted): $23
  • Average in-network out-of-pocket spending limit: $4,996
  • Average drug deductible in 2021 (weighted): $981

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

The average costs and enrollment information for 2021 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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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).

If you have ESRD, you may be able to enroll in a Medicare Advantage plan or 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 to speak with a licensed insurance agent. We accept calls 24/7!

Top-rated Medicare Advantage Plans in Colorado 2021

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 Part C 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 19 top-rated 2021 Medicare Advantage Prescription Drug plans in Colorado that are rated four stars or higher, which is close to 37 percent of all 2021 Colorado MAPD 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 2021

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

Find a Colorado Medicare Advantage plan

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

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

Learn more about Medicare Advantage plans in some of Colorado's most populous counties.

The chart below provides some more information about 2021 Colorado Medicare Advantage plans by county.1

  • Teller County and Montezuma County are home to the lowest average monthly premiums of Medicare Advantage Prescription Drug plans in Colorado in 2021.

  • Douglas County and Boulder County have the highest number of MAPD plans available in 2021 in Colorado.
2021 CO Medicare Advantage by County
County Total Enrollees in County Average Premium % of Plans Rated 4 Stars or Higher Avg. Annual Drug Deductible # Plans Available
Adams 36568 $26.27 41% $74.14 33
Alamosa 839 $26.92 36% $252.00 9
Arapahoe 48019 $26.02 42% $76.79 32
Archuleta 769 $26.92 36% $252.00 9
Baca 41 $62.00 N/A N/A 2
Bent 48 $31.05 N/A $217.50 6
Boulder 23852 $25.31 44% $71.67 34
Broomfield 5906 $25.75 44% $75.38 30
Chaffee 1294 $33.13 31% $260.00 10
Cheyenne 26 $62.00 N/A N/A 2
Clear Creek 824 $29.09 64% $88.75 15
Conejos 610 $26.92 36% $252.00 9
Costilla 332 $33.13 31% $260.00 10
Crowley 178 $33.13 31% $260.00 10
Custer 429 $33.13 31% $260.00 10
Delta 2875 $21.14 36% $245.71 9
Denver 50697 $26.27 41% $74.14 33
Dolores 57 $15.58 N/A $217.50 4
Douglas 22432 $30.60 48% $88.71 36
El Paso 44483 $14.56 61% $107.08 28
Elbert 1833 $31.88 46% $81.09 29
Fremont 5633 $18.33 59% $131.54 19
Gilpin 379 $37.28 41% $180.00 12
Grand 525 $26.43 21% $195.91 13
Gunnison 291 $15.58 N/A $217.50 4
Hinsdale 11 $15.58 N/A $217.50 4
Huerfano 622 $33.13 31% $260.00 10
Jackson 15 $15.58 N/A $217.50 4
Jefferson 63479 $26.27 41% $74.14 33
Kiowa 21 $62.00 N/A N/A 2
Kit Carson 124 $62.00 N/A N/A 2
La Plata 2095 $22.53 36% $236.67 10
Lake 118 $15.58 N/A $217.50 4
Larimer 26623 $16.69 57% $99.52 25
Las Animas 1243 $26.92 36% $252.00 9
Lincoln 85 $31.05 N/A $217.50 6
Logan 938 $26.92 36% $252.00 9
Mesa 12925 $13.59 36% $156.36 14
Mineral 33 $31.05 N/A $217.50 6
Montezuma 1354 $12.66 44% $236.67 8
Montrose 3261 $21.61 36% $275.00 7
Morgan 918 $33.13 31% $260.00 10
Otero 1240 $33.13 31% $260.00 10
Ouray 207 $15.58 N/A $217.50 4
Park 1016 $18.91 36% $260.00 8
Phillips 71 $62.00 N/A N/A 2
Prowers 173 $62.00 N/A N/A 2
Pueblo 19368 $15.96 63% $141.07 17
Rio Blanco 168 $15.58 N/A $217.50 4
Rio Grande 623 $62.00 N/A N/A 2
Saguache 170 $31.05 N/A $217.50 6
San Juan #N/A $15.58 N/A $217.50 4
San Miguel 102 $15.58 N/A $217.50 4
Sedgwick 43 $62.00 N/A N/A 2
Summit 568 $27.26 N/A $119.00 5
Teller 2689 $11.32 48% $100.25 24
Washington 61 $62.00 N/A N/A 2
Weld 20346 $16.69 57% $99.52 25
Yuma 112 $62.00 N/A N/A 2
Teller 2457 34% 14 8 81.7%
Washington 81 7% 5 0 0.0%
Weld 18041 38% 17 7 73.3%
Yuma 136 7% 7 0 0.0%

CO Medicare Advantage plans by plan type

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 2021 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.

 

1 MedicareAdvantage.com's The Best States for Medicare in 2021 report. (Oct. 27, 2020).

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