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You may know that Medicare is a program that helps those over 65 or those with disabilities get the healthcare they need, but you may also have questions about Medicare eligibility in Colorado. HealthMarkets can provide answers for you.

However, if you’re ready to begin comparing Medicare plans, you can get started now.

Who’s Eligible for Medicare in Colorado?

To be eligible to get Medicare in Colorado, you must be a U.S. citizen or a permanent legal resident who has lived in the U.S. for more than five years and have one or more of the following describe you:1

  • You’re 65 or older. 
  • You’re under 65, permanently disabled, and receive disability benefits from Social Security or the Railroad Retirement Board.
  • You have end-stage renal disease (ESRD).
  • You have ALS (Amyotrophic Lateral Sclerosis), also known as Lou Gehrig’s disease.

As of 2020, 931,229 Coloradans are enrolled in Medicare.2

Medicare Plan Options for Coloradans

Once you determine that you’re eligible for Medicare in Colorado, it’s time to understand your options.

If you are 65 and receive benefits from Social Security or the Railroad Retirement Board, you will be automatically enrolled into what is known as Original Medicare. The two main parts of Original Medicare are Part A, which covers hospitalization care, and Part B, which covers doctor visits, lab work, and some medical devices.2

If you stay with Original Medicare, you can add to it with Part D prescription drug coverage. Original Medicare does not cover prescription drugs. You can also add a Medicare Supplement plan, which can help cover out-of-pocket expenses like deductibles and coinsurance. 

Another option is Medicare Part C (Medicare Advantage), the choice of over 402,413 Coloradans in 2020.2 Medicare Advantage plans are offered by private health insurance companies, and combines the benefits of Medicare Part A and B into a single bundle. Many plans also include drug, vision, and dental coverage.3

How Do I Apply for Medicare in Colorado?

If you aren’t automatically enrolled, you can apply for Original Medicare by contacting the Social Security Administration. Once you are eligible for Medicare in Colorado, your Initial Medicare Enrollment Period takes place from three months before you turn 65, includes the month you turn 65, and lasts until three months afterward. If you miss this six-month window, you can enroll during the General Enrollment Period from January 1–March 31.

You can apply for Medicare Advantage or Medicare Part D plans when you first get Medicare. You can also apply during the Medicare Annual Enrollment Period, which occurs every year from October 15–December 7.

If you’re ready to shop for a Medicare Advantage, Medicare Supplement, or Medicare Part D plan, start by getting your free FitScore® with HealthMarkets. Answer a few brief questions about your needs, and we’ll rank available plans according to how well they fit you.

Get started today!


1. Original Medicare (Part A and B) Eligibility and Enrollment, CMS. 2020. Retrieved from | 2. Total Number of Medicare Beneficiaries, KFF. 2018. Retrieved from | 3. Understanding Medicare Advantage Plans, Medicare. 2020. Retrieved from 

HealthMarkets’ FitScore intends to identify plans that fit your needs. You should carefully review official plan materials.

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