Medicare enrollees in Colorado make up 59,072. The average age of these beneficiaries is 72, 53.67% are female, and 46.33% are male. This article showcases the various Medicare options available in Fort Collins, Colorado.
Medicare plans in Fort Collins, Colorado
There are many benefits for beneficiaries in Fort Collins, Colorado, to having supplemental Medicare health insurance. Medicare Advantage and Medicare Supplement insurance are great options available to Colorado Original Medicare beneficiaries. The rates below are based on a female Medicare beneficiary at 65.
Medicare Advantage plans
Colorado Medicare Advantage plans are popular for Fort Collins, Colorado residents. Beneficiaries have access to 39 Part C Medicare Advantage plans. That’s double the plans that were available in 2017.
Fort Collins, Colorado’s cheapest Medicare Advantage plan is Clear Spring at $3400. They have a $0 premium but no rating.
Another cheap Medicare Advantage plan in Fort Collins is UnitedHealthcare (LOCAL PPO). This health plan has a 4-star rating with a $0 premium and a maximum out-of-pocket limit of $5,900.
Humana offers a LOCAL PPO plan. It has a 4-star rating with a maximum out-of-pocket limit of $6,700.
For those looking for a plan where they can choose their doctor, you want the PPO plan. Humana, UnitedHealthcare, and many other carriers in the area will offer a PPO plan that provides flexibility.
The average cost of Medicare Advantage plans in Fort Collins, Colorado
| PLAN | PREMIUM | MOOP | Plan Type | Star Rating |
| Clear Spring | $0 | $3,400 | HMO | N/A |
| Aetna | $0 | $5,000 | HMO-POS | 3 |
| UnitedHealthcare | $0 | $5,900 | LOCAL PPO | 3 |
| Kaiser Permanente | $0 | $4,500 | HMO | 5 |
| Humana | $0 | $6,700 | LOCAL PPO | 4 |
Medicare Supplement plans
Medigap is an excellent option for residents of Fort Collins looking for Colorado Supplemental Medicare coverage. They don’t have unpredictable cost-sharing or doctor networks like Medicare Advantage. This supplement coverage has standardized benefits, meaning the only difference between insurance companies is the monthly premium.
One of the best plans with Medigap is Plan G, as this Medicare Supplement insurance plan offers the most benefits to the newly enrolled. However, it does not cover the Part B deductible. The lowest premium for Plan G is $103.96, while the highest is $331.13. Most residents will pay more than $200 a month for Plan G.
Plan F is available for beneficiaries who were eligible for Medicare before 2020. It’s considered to be a first-dollar coverage plan. Fort Collins’s lowest premium is $122.69, and the highest is $339.25.
If you love the benefits of Plan G but don’t want a monthly premium, there is an option for a higher deductible plan. The premium for Plan G is between $103.96 and $331.13.
There is much more to consider than the monthly premium. A plan with a low premium does not mean it will give you everything you need. It’s important to consider all the plans to see which suits you best.
Medicare Supplement Medicare health plans provide excellent coverage and peace of mind.
The average cost of Medicare Supplement plans in Fort Collins, Colorado
| LETTER PLAN | LOWEST PREMIUM | HIGHEST PREMIUM |
| PLAN A | $76.40 | $251.89 |
| PLAN B | $103.28 | $244.75 |
| PLAN C | $129.61 | $338.50 |
| PLAN D | $111.00 | $222.93 |
| PLAN F | $122.69 | $339.25 |
| PLAN HDF | $32.00 | $67.28 |
| PLAN G | $103.96 | $331.13 |
| PLAN HDG | $32.00 | $65.63 |
| PLAN K | $34.80 | $92.00 |
| PLAN L | $67.76 | $161.50 |
| PLAN M | $105.09 | $141.82 |
| PLAN N | $79.83 | $301.68 |
Medicare Part D prescription drug plans
Colorado prescription drug plans cover your prescription medications at your local pharmacy. Colorado has excellent Medicare Part D prescription drug coverage options, which offer low monthly premiums.
One of the cheapest plans is offered by Aetna. This prescription drug plan has a low premium of $7.60 with an annual deductible of $480. However, keep in mind it only has a 3-star rating.
Humana has a 4-star rating but comes with a higher monthly premium of $22.70. The deductible is $480 annually.
It’s essential to investigate all factors of a plan to make sure it covers what you need despite the premium. For example, the lowest premium plans sometimes don’t cover your prescription medications.
The average cost of Medicare Part D plans in Fort Collins, Colorado
| PLAN | PREMIUM | DEDUCTIBLE | STAR RATING |
| Wellcare | $5.50 | $480 | 3 |
| Aetna | $7.60 | $480 | 3 |
| Humana | $22.70 | $480 | 4 |
| UnitedHealthcare | $29.30 | $310 | 4 |
| Mutual of Omaha | $33.80 | $480 | 3 |
Special Needs plans
Special Needs Plans (SNPs) are specialized plans for people with disabilities. Beneficiaries can benefit from coverage for chronic disabilities, institutional-level, and special needs. There are many carriers available for Medicare Special Needs Plans. All SNP plans have zero-dollar monthly premiums.
Banner offers an HMO SNP plan with a $2,900 maximum out-of-pocket limit.
Globalhealth also offers an HMO SNP with a $2,900 maximum out-of-pocket limit.
Magellan’s HMO SNP plan comes with a higher maximum out-of-pocket limit of $7,550.
The average cost of Medicare Special Needs plans in Fort Collins, Colorado
| PLAN | PREMIUM | MOOP | Plan Type | Eligibility |
| UnitedHealthcare | $0 | $7,550 | HMO | Dual |
| Aetna | $0 | $7,550 | HMO | Dual |
| Anthem BCBS | $0 | $6,700 | HMO | Chronic or Disabling |
| Humana | $0 | $3,450 | LOCAL PPO | Dual |
| Cigna | $16.00 | $6,700 | HMO | Dual |
How to sign up for Medicare plans in Fort Collins, Colorado
Even with Medicare, beneficiaries should have some supplemental Medicare coverage. So whether you would like to enroll in a Medigap plan, Medicare Advantage plan, or Part D plan, our licensed insurance agents can help.
Our services are completely free. We collaborate with all top carriers in Colorado to ensure you get the best rate and plan for you and your family. Call us at the number above or complete our online rate form to receive your rate.
