Original Medicare in Colorado Springs covers significant health expenses but doesn’t cover everything. Medicare beneficiaries enroll in a supplemental Medicare plan to protect themselves from the additional costs. 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, including location, age, gender, tobacco use, payment frequency, eligible household discounts, and more. Considering these factors, 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 Medicare Advantage plans. Of those enrolled, 52.39% are female, and 47.61% are male.

All 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 HMO-POS 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

Remember that the monthly premiums for the above plans are $0, but that does not mean the programs 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 nationwide, so benefits don’t 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 don’t 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 excellent coverage. Read about the Top 10 Part D prescription drug plans for 2023 to 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, with 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?

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 factors, including location, age, and carrier. Income is not a determining factor for Medigap plans, but beneficiaries with a low qualifying income may be eligible for federal programs that help keep costs down.

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 essential 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 programs in Colorado Springs.

Give us a call or fill out our online form for a free quote comparison.

Written By:
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Lindsay Malzone, Lindsay Malzone is the Medicare editor for Medigap.com. She's been contributing to many well-known publications 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.
Reviewed By:
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Rodolfo Marrero, Rodolfo Marrero is one of the co-founders at Medigap.com. He has been helping consumers find the right coverage since the site was founded in 2013. Rodolfo is a licensed insurance agent that works hand-in-hand with the team to ensure the accuracy of the content.