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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.

Who’s Eligible for Medicare in Colorado?

To join the 911,645 Coloradans who enrolled in Medicare in 2018 , you must be a U.S. citizen and have one of the following describe you:

  • 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.

Along with Original Medicare, Colorado residents may qualify for Medicare Part D coverage, which is outpatient prescription drug coverage. This is not provided by Medicare, but is provided by private insurance companies who are Medicare approved.

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 get a Social Security check, you will be automatically enrolled into what is known as Original Medicare. The two main parts of Original Medicare are Part A, which covers hospital care, and Part B, which covers doctor visits, lab work, and some medical devices.

If you stay with Original Medicare, you can add to it with Part D drug coverage and/or a Medicare Supplement plan, which covers out-of-pocket expenses like deductibles and coinsurance. 

Another option is Medicare Part C (Medicare Advantage) coverage, the choice of over 324,951 Coloradans. It’s offered by private health insurance companies and groups Medicare Part A and B benefits in a single bundle. Many plans also include drug, vision, and dental coverage.

Sound complicated? It can be, but a HealthMarkets licensed agent can help determine if you have Medicare eligibility in Colorado and help you find the best choice for your needs — all at no charge to you.

Let HealthMarkets help make sense of it all. Call us today at (800) 439-6916 to get started!


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References:
https://www.kff.org/medicare/state-indicator/distribution-of-medicare-beneficiaries-by-eligibility-category-2/

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