Medicare enrollees in Colorado make up 59,072. The average age of these beneficiaries is 72, and 53.67% are female, and 46.33% are male. This article showcases the various Medicare plans available in Fort Collins, Colorado.

Supplemental Medicare Plans in Fort Collins, Colorado

There are many benefits for beneficiaries in Fort Collins, Colorado, to having a supplemental Medicare plan. Medicare Advantage and Medigap are great options available to Colorado Original Medicare beneficiaries. The rates below are based on a female Medicare beneficiary at 65.

Cheapest Medicare Advantage Plans in Fort Collins, Colorado

Colorado Medicare Advantage plans are popular for Fort Collins, Colorado residents. Beneficiaries have access to 39 Medicare Advantage plans. That’s double the programs that were available in 2017.

The cheapest Medicare Advantage plan in Fort Collins, Colorado, 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). They have 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.

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

Cheapest Medicare Supplement Plans in Fort Collins, Colorado

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.

One of the best plans with Medigap is Plan G, as they offer 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.

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

Cheapest Medicare Part D in Fort Collins, Colorado

Colorado prescription drug plans cover your prescription medications at your local pharmacy. Colorado has excellent options for Medicare Part D, which offers low monthly premiums.

One of the cheapest plans is offered by Aetna. It 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.

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

Medicare 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.

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

FAQs

What is the income limit for Medicare in Colorado?

For single applicants, the income limit is $1,615 a month, and $2,175 for married couples. The asset limit for individuals is $14,610 and $29,160 for spouses.

Can I have Health First Colorado and Medicare?

Medicaid collaborates with other payers and will arrange for private insurance plans to pay health care providers for services covered by Medicaid.

Is Medicare free in Colorado?

No, Medicare is not free in Colorado or any other state. The only part of Medicare that’s premium-free is Part A, as long as you pay ten years of Medicare taxes.

How to Sign Up for Supplemental Medicare in Fort Collins, Colorado

Even with Medicare, beneficiaries should have some type of supplemental Medicare coverage. So whether you would like to enroll in a Medigap plan, Medicare Advantage plan, or Part D plan, we 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.

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.