Colorado Medigap policies are straightforward. With identical plans as found in 46 other states and only one main enrollment period, Medigap plans in the Centennial State are beyond simple. We have created a side-by-side CO Medigap comparison chart and answered just about every question you could think of below.
New to Medigap? Click here for a good overview of Medigap
Who can enroll in a CO Medigap policy?
The following may enroll in a Medigap plan:
- 65 and older: All plans available in your area
- Under 65 due to a disability: Must offer plans, however, not all plans may be offered and can be significantly more expensive. Learn more about Under 65 Medigap policies
When should you enroll in a Colorado Medigap plan?
We cannot stress enough that you should enroll in your Colorado Medigap plan as soon as you enroll in Medicare Part B. Most applicants have 3 months before they become Medicare-eligible and 6 months after to apply and are guaranteed to be approved at the best rate.
If you miss your Medigap Initial Open Enrollment period, you could be charged more, denied treatment based on preexisting conditions, or declined altogether.
Note: You can delay your Medigap enrollment if you keep working and have credible coverage from you job.
Colorado Medigap Plans side-by-side comparison
While most people will qualify for the plans below, if you were Medicare Part B eligible before 2020, Medigap Plan C and Plan F still are options.
Medigap plans for those who qualified for Medicare Part B after January 1, 2020:
|Medicare Part A Deductible ($1,600)||100%||100%||100%||50%||75%||50%||100%|
|Part B Deductible ($226)|
|Medicare Part A Hospital Coinsurance and 365 additional hospital days||100%||100%||100%||100%||100%||100%||100%||100%|
|Medicare Part B Coinsurance||100%||100%||100%||100%||50%||75%||100%||100%*|
|First 3 Pints of Blood for a Transfusion||100%||100%||100%||100%||50%||75%||100%||100%|
|Medicare Part A Hospice Coinsurance or Copay||100%||100%||100%||100%||50%||75%||100%||100%|
|Skilled Nursing Facility Coinsurance||100%||100%||50%||75%||100%||100%|
|Medicare Part B Excess Charges||100%|
|Foreign Emergency Healthcare||80%||80%||80%||80%|
*Medigap Plan G High deductible ($2,700) is also available.
What Medigap plan do most Coloradans choose?
This is simple! Most of our clients in Colorado enroll in Medigap Plan G. They find it offers the right covered benefits for Original Medicare A & B at the right price. Need help selecting a plan? Just give us a call.
Do Colorado Medigap plans have discounts?
Yes, they do! The Centennial State offers Medigap discounts. Here are the typical CO Medigap discounts (although an individual insurance provider could provide others). Click on the links below to learn more about each type of discount.
Can you keep your Colorado Medigap if you move out of state?
Good news! You most likely can keep your plan. Remember, we said they match 46 other states? Well, due to this, your plan is portable to all states that have the standardized A-N Medigap plans. Tip: you must tell your provider that you’ve moved and give your new zip code. This can increase or decrease your Medigap rate.
Here are the 3 states that require you to disenroll from Colorado and enroll in their plan**:
- Massachusetts Medigap plans
- Minnesota Medigap plans
- Wisconsin Medigap plans
**If you do need to disenroll from your Colorado Medigap plan due to a move, you have a qualifying event to trigger a Medigap guaranteed issuance period.
Get a Medigap quote and enroll.
See, we told you it was simple! With that said, we know that sometimes things don’t go as smoothly as planned. Feel free to ask a question below or give one of our Senior65 licensed insurance agents a call at 800-930-7956.
Our agents can NEVER charge you a fee for their services. No insurance provider can offer the same Medigap plan for less than Senior65.com can.