Our Insurance Team Will Find You the Best Colorado Medicare
Smart Insurance Agents:
Your Trusted Guide for State of Colorado Medicare.
We Simplify Colorado Medicare
Choosing Medicare Plans in Colorado
Whether you’re new to Medicare or looking to change your current coverage, choosing a plan can feel overwhelming. With so many options to consider and important deadlines to meet, it’s easy to get lost in the details.
Smart Insurance Agents is a leader in helping Colorado residents and clients across the US navigate the intricacies of Medicare. As a full-service agency, we represent top-rated carriers for Health, Life, Medicare, and International insurance policies. Our team of experienced agents has helped thousands of customers choose Medicare plans during their Enrollments and annual Open Enrollment periods.
Beyond Medicare in Colorado
Our focus is providing exceptional guidance and superior service to help Colorado residents make well-informed healthcare decisions. We take the time to understand every client’s unique situation and priorities so we can recommend custom plans tailored just for them. Our clients enjoy the confidence of knowing they have an experienced ally by their side every step of the way.
Basics of Medicare
Part A
covers inpatient hospital stays and skilled nursing care.
Part B
pays for doctors’ visits, outpatient procedures, and preventative services.
Part C
is an alternative to Original Medicare Parts A and B. These plans are offered by private insurers approved by Medicare like Humana, UnitedHealthcare and Cigna.
Part D
addresses prescription drug needs through private insurance plans.
Eligibility for Open Enrollment
Enrollment in Colorado begins when you turn 65 or qualify due to disability. As an Initial Enrollment Period, you get seven months centered around your birthday month to sign up. When this window closes, you could face late penalty premiums if you decide to enrol outside Open Enrollment periods. Also, the benefits take time to kick in, so make sure to plan accordingly for coverage needs.
Choosing the Right Plan
With so many factors to weigh, selecting the right Medicare plan requires an expert guide. Our licensed advisers will carefully review all your options based on medical history, budget, current and future care needs, physician access, and more. We represent several major carriers offering Medicare Advantage, Medigap Supplemental, and Part D drug coverage across Colorado.
Some of the top carriers we work with include Humana, UnitedHealthcare, Anthem, Blue Cross and Blue Shield, Cigna, Aetna and others. Combined with our multi-state licenses, this full spectrum of choices means you’re guaranteed to find affordable, high-quality coverage.
Our detailed side-by-side comparisons tailored for your unique situation will take the legwork out of the Medicare research process for you.
Original Medicare
Original Medicare is the fundamental government program composed of Parts A and B. However, it does not cover all medical expenses and lacks prescription coverage. That's where Medigap supplemental plans, Medicare Advantage, and the Medicare Savings Program in Colorado come in.
Medigap plans, with names like Plans F and G, are sold by private insurers to fill gaps in Original Medicare costs like deductibles and coinsurance.
Medicare Advantage plans in Colorado, provided through various carriers, serve as an all-in-one alternative that typically includes Part D prescription coverage along with extras like vision and dental. Some plans even provide wellness programs and fitness benefits at no added premium - though provider networks may be narrower.
Enrollment Support
When your desired coverage effective date arrives, our helpful agents are ready to efficiently complete and submit the enrollment applications on your behalf. We securely handle all the required documentation through proper regulatory channels. Once approved by carriers and confirmed by Medicare records, we ensure timely plan IDs and information delivery.
Even after enrollment, our clients never have to go it alone. As your dedicated advisers, we remain available for help with billing, claims, provider issues or any changes throughout the year.
Every fall, we will review your coverage needs to validate your current choices or explore better opportunities during the Open Enrollment periods. Our goal is a long-term partnership that provides you with the Medicare guidance you need over time.
Additional Benefits
Core dental and vision coverage to expand access to essential care services
Life insurance protection for your loved ones in the event of untimely passing
International medical plans for trips abroad and global evacuation services
Disability and accident policies offer income replacement in challenging times
Long term care solutions help manage costs if assisted living or nursing care becomes necessary
Get Started With Colorado Medicare Today
To explore your personalized Medicare solutions, just get in touch. The Smart Insurance Agents team is ready to schedule a no-obligation consultation at a time that’s convenient for you.
Contact us today to learn more about your Colorado Medicare plan options.