Original Medicare (Parts A and B) in Colorado Springs cover significant health expenses, but Medicare Advantage is sometimes needed to fill the “gaps” in coverage. To cover the additional costs that beneficiaries must pay, 37.63% of the 152,043 Original Medicare enrollees in Colorado Springs use Medicare Advantage plans.

Supplemental Medicare Plans in Colorado Springs, Colorado

Colorado Medicare Supplement plans vary in cost depending on several factors. This includes your location, age, gender, your tobacco use, payment frequency, any eligible household discounts, and more. Taking these factors into consideration, the quotes below reference a 70-year-old female beneficiary.

Affordable Medicare Advantage Plans in Colorado Springs, Colorado

In Colorado Springs, 57,212 Medicare beneficiaries are enrolled in one of the 29 available Medicare Advantage plans. Of those enrolled, 52.39% are female, and 47.61% are male.

All of the Colorado Medicare Advantage plans below have a $0 monthly premium. Humana Local PPO has the lowest maximum out-of-pocket (MOOP) cost of $4,440.

Of all the plans below, Kaiser Permanente has the best rating. Its HMO plan has a perfect five-star rating with a $4,500 MOOP. UnitedHealthcare also has a high four-star rating for its HMO plan with the same MOOP of $4,500.

PLAN PREMIUM MOOP Plan Type Star Rating
Aetna $0 $5,000 HMOPOS 3
Anthem BCBS $0 $6,700 HMO 3
Humana $0 $4,440 LOCAL PPO 4
UnitedHealthcare $0 $4,500 HMO 4
Kaiser Permanente $0 $4,500 HMO 5

Keep in mind that the monthly premiums for the above plans are $0, but that does not mean the plans are free. Read more about out-of-pocket costs for Medicare Advantage plans.

Cheapest Medicare Supplement Plans in Colorado Springs, Colorado

Medicare Supplement plans, also known as Medigap plans, work with Colorado Original Medicare by covering the costs that Original Medicare doesn’t cover, like copays. All Medigap plans are standardized across the nation, so benefits do not change from state to state. The only difference will be the monthly premium.

Plan F is one of the most popular Medicare Supplement plans in Colorado Springs. These premiums range from $113.52 to $356.87 per month.

Plan G is another common Medigap plan in Colorado Springs, with monthly premiums between $113.52 to $356.87. Beneficiaries who prefer a lower monthly premium may consider Plan HDG (high deductible Plan G), with premiums as low as $40.78 and as high as $73.11.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $99.22 $264.64
PLAN B $135.22 $263.87
PLAN C $150.96 $364.75
PLAN D $117.81 $255.89
PLAN F $129.90 $365.50
PLAN HDF $41.86 $74.97
PLAN G $113.52 $356.87
PLAN HDG $40.78 $73.11
PLAN K $46.98 $121.00
PLAN L $75.00 $174.25
PLAN M $111.63 $176.05
PLAN N $87.00 $324.56

Remember that your Medigap rate cost will depend on various factors. Read more about how these rates are calculated.

Cheapest Medicare Part D in Colorado Springs, Colorado

Medigap plans do not cover prescription costs, only some Medicare Advantage plans do. Beneficiaries can enroll in standalone Part D plans or Medicare Advantage Prescription Drug (MAPD) plans to cover prescription medications.

All of the Colorado prescription drug plans below have a $480 deductible except for Unitedhealthcare with a $310 deductible. Humana and UnitedHealthcare have the highest star rating of four out of five, but Humana’s drug plan has a lower premium of $22.70 per month.

Wellcare has the lowest premium at only $5.50 per month. Aetna’s three-star plan is comparable, with a monthly premium of $7.60.

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

Finding your best Medicare Part D prescription drug plan (PDP) can be challenging, especially when you want something with high ratings, a low premium, and great coverage. Read about the Top 10 Part D Prescription Drug Plans for 2022, so you can make an informed decision.

Medicare Special Needs Plans

Beneficiaries with chronic or disabling conditions can enroll in a Special Needs Plan, or SNP, for additional coverage. These types of plans are available in select areas only.

Humana offers a LOCAL PPO SNP for dual-eligible beneficiaries with a $3,450 MOOP. Bright Health, Aetna, and Unitedhealthcare have HMO SNP plans for dual-eligible beneficiaries. These plans have a $7,550 MOOP.

For beneficiaries with chronic or disabling conditions, consider Anthem BCBS’s HMO SNP. This Special Needs plan has a MOOP of $6,700.

PLAN PREMIUM MOOP Plan Type Eligibility
Bright Health $0 $7,550 HMO Dual
Humana $0 $3,450 LOCAL PPO Dual
Aetna $0 $7,550 HMO Dual
UnitedHealthcare $0 $7,550 HMO Dual
Anthem BCBS $0 $6,700 HMO Chronic or Disabling

FAQs

How many people in Colorado Springs have Medicare?

Currently, 152,043 people have Original Medicare in Colorado Springs, CO. Out of those beneficiaries, 57,212 have a Medicare Advantage plan to help them pay remaining health-related costs.

Where do I sign up for Medicare in Colorado Springs?

Applying for Medicare in Colorado Springs may be easier than you think. Apply online or visit your local Social Security office to apply in person.

Does Social Security count as income for Medicare in Colorado Springs?

Yes, your social security checks count as monthly income for Medicare in Colorado Springs, Colorado.

Are Medigap premiums based on income in Colorado Springs, CO?

Medigap premiums depend on several different factors, including your location, age, and carrier. Income is not a determining factor for Medigap plans, but beneficiaries who have a low qualifying income may be eligible for federal programs that help keep costs low.

How to Sign Up for Supplemental Medicare in Colorado Springs

There’s no one-size-fits-all Supplemental Medicare plan. That’s why it’s important to take your time to find the right plan for you. We work with every carrier and can help you narrow it down by comparing the best plans in Colorado Springs. Give us a call or fill out our online form for a free quote comparison.

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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.