Supplemental Medicare plans in Aurora, Colorado, are rapidly growing in popularity since they help cover what is covered by your Original Medicare. Rates of participation are at almost 30% for people with an average age of 72.

Supplemental Medicare Plans in Aurora, Colorado

Colorado Medicare Supplemental plans, also known as Medigap, are there to fill in the gaps, but they don’t provide stand-alone coverage. You must remain enrolled in Part A and Part B for hospital and medical coverage. The below quotes for Aurora, Colorado, is based on a 70-year-old female.

Affordable Medicare Advantage Plans in Aurora, Colorado

Almost 70,000 residents in Aurora have beneficiaries with Part A and Part B plans, with over 20,000 using Medicare Advantage plans. Colorado Medicare Advantage plans, sometimes called “Part C” or “MA Plans,” are offered by private companies approved by Medicare. Medicare pays these companies to cover your Medicare benefits.

Over the last year, these plans have become more significant, and there are more than 35 major Medicare Advantage plans in Aurora.

The chart below has multiple zero-premium Medicare Advantage plans.

The Humana plan has the highest Maximum Out Of Pocket (MOOP) expense for 70-year-old females at $7,550.

Bright Health is an HMO plan with the least out-of-pocket expense but a lower start rating of three rather than the others at four. Cigna also has a three-star rating and a higher MOOP at almost $6,000.

PLAN PREMIUM MOOP Plan Type Star Rating
Humana $0 $7,550 LOCAL PPO 4
Unitedhealthcare $0 $5,500 LOCAL PPO 4
Anthem BCBS $0 $6,700 LOCAL PPO 4
Bright Health $0 $3,500 HMO 3
Cigna $0 $5,900 LOCAL PPO 3

Medigap plans can be very beneficial for those who only have Original Medicare.

Cheapest Medicare Supplement Plans in Aurora, Colorado

Medigap policies help to supplement your Original Medicare and protect beneficiaries from paying out-of-pocket medical costs. All Colorado Medigap plans are standardized nationwide, so benefits do not change from state to state. The only difference is the amount you pay for your monthly premium.

You can compare multiple Letter Plans and their premiums based on the chart below.

Plans HDF and HDG have the lowest premiums at $42. Plan G, F, and Plan N are widely popular as well.

The most expensive lowest premium is found with Plan C at almost $165 and the highest premium at $383, but the highest for Plan F and G also reach $384 and $375, respectively.

Plan K is the next cheapest to HDF and HDG at just over $49, with the highest premium of $121.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $107.61 $291.10
PLAN B $144.94 $288.07
PLAN C $164.81 $383.12
PLAN D $128.62 $281.47
PLAN F $140.60 $384.25
PLAN HDF $42.00 $78.91
PLAN G $120.59 $375.19
PLAN HDG $42.00 $76.96
PLAN K $49.35 $121.00
PLAN L $81.92 $183.25
PLAN M $121.88 $202.31
PLAN N $95.83 $341.20

You can check out the Medigap FAQ pages here for more assistance with understanding Medigap premium plans.

Affordable Medicare Part D in Aurora, Colorado

Colorado Medicare Part D plans are stand-alone benefits specific to coverage of prescriptions and medications since Medigap plans do not cover these. Some Medicare Advantage plans out there can cover prescriptions within Aurora. Still, you should check with the agents or providers directly to determine whether medications are included.

Below, you will find premiums, deductibles, and star ratings for Aurora’s Medicare Part D plans.

As you can see, the Wellcare Part D plan has the cheapest premium and a higher deductible.

Aetna has the next most affordable premium at just over $7 and a high deductible. Both Wellcare and Aetna also show 3-star ratings.

The lowest deductible you will pay outright is with the Unitedhealthcare Part D plan, and it has an excellent four 4-star rating but a higher premium at almost $30.

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

To understand more about the Part D plan and why it is necessary, visit our Part D FAQ pages here.

Medicare Special Needs Plans

Medicare Special Needs Plans (SNPs) in Aurora are a subset of Medicare Advantage plans available for people who fit specific criteria. However, these plans aren’t available in all areas. SNP plans help people with chronic disabilities or special needs.

The chart below shows Special Needs Plans that you can get in Aurora, Colorado. Almost all are zero-dollar premium plans, except the Cigna plan, which has a premium of $16.00.

The Anthem BCBS HMO plan has the lowest MOOP at $2,500, but the eligibility is only available to those with special needs or disabled who are institutionalized.

The subsequent more affordable SNP with a lower out-of-pocket cost is found with Bright Health at $3,200. Aetna and UnitedHealthcare pans have the highest out-of-pocket cost at $7,550.

PLAN PREMIUM MOOP Plan Type Eligibility
Aetna $0 $7,550 HMO Dual
Anthem BCBS $0 $2,500 HMO Institutional
Bright Health $0 $3,200 HMO Chronic or Disabling
UnitedHealthcare $0 $7,550 HMO Dual
Cigna $16.00 $6,700 HMO Dual

FAQs

What is the difference between Medicare Supplement and Medicare Advantage plans in Aurora, Colorado?

You cannot have both Medicare Supplement and Medicare Advantage plans simultaneously. Medicare Advantage bundles Part A and B often with Part D plans and other types of coverage. Medicare Supplement is additional coverage you can buy if you already have Part A and B since it works with Original Medicare.

What is included with the out-of-pocket maximum with Medicare Advantage in Aurora, Colorado?

Medicare Advantage plans include copayments or coinsurance amounts for doctor visits, emergency room visits, hospital stays, and covered outpatient services. It may or may not also include copayments or coinsurance for durable medical equipment and prosthetics.

Can I switch from a Medicare Advantage Plan to Medigap in Aurora, Colorado?

You can switch from Medicare Advantage to Medigap as long as you meet specific requirements or if you do it within the open enrollment period.

What is a disadvantage to Medigap Plans in Aurora, Colorado?

Since private companies offer Medigap plans, they can charge higher premiums, and most do not help cover prescription drugs, so the need for a Part D Plan is a necessary expense.

Do I need a Medicare Part D Plan in Aurora if I don’t take drugs?

Even if you don’t take drugs now, you should consider joining a Medicare drug plan or a Medicare Advantage Plan with drug coverage to avoid a penalty. You may be able to find a plan that meets your needs with little to no monthly premiums.

How to Sign Up for Supplemental Medicare in Aurora, Colorado

If you have questions on how to sign up for a Medigap plan in Aurora, Colorado, we have licensed agents who are here to help you! Our agents work with all the top carriers in the state. They can compare each letter plan or advantage plan with each carrier to ensure you get the lowest premium and best coverage that suits your needs. Give us a call at the number above, or complete our online rate form to get started now.

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by Lindsay Malzone, Lindsay Malzone is the Medicare expert for Medigap.com. She's been contributing to many well-known publications as an industry expert since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.