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Medicare in Colorado: pick your Medigap window, then check the network.
Colorado follows the federal Medigap rules for people 65 and older, with no birthday rule, so your 6-month window after you turn 65 and start Part B is the time to buy any plan with no health questions. See your dates, then compare Medigap and Medicare Advantage.
When is your Medigap window?
Enter your birthday. Nothing is saved or sent until you choose to request quotes.
Appointed with Mutual of Omaha, Aetna, HealthSpring, UnitedHealthcare and many others. When we quote a Medicare Supplement, we show each company’s past rate increases, not just today’s price.
Medigap or Medicare Advantage in Colorado?
The right choice depends on your doctors, where you spend the year, and how you want to pay for care. Here is how the trade-off plays out in Colorado.
Your no-health-questions doors in Colorado
Colorado uses the federal rules for people 65 and older, with no birthday rule. These are the times a company must sell you Medigap.
Source: Colorado Division of Insurance, Medicare Supplement Insurance Policies in Colorado. Compare every state in our Medigap rules by state tracker.
- Your 6-month windowStarts the month you are 65 or older and enrolled in Part B. Any plan, any company, no health questions.
- Advantage plan leavingIf your Medicare Advantage plan leaves your county or stops serving Medicare, you can buy certain Medigap plans. If your plan is leaving.
- The trial rightIf you joined Medicare Advantage when you first got Medicare, or dropped Medigap to try one, you can return to Medigap within the first 12 months.
- Losing other coverageLosing certain employer or retiree coverage that pays after Medicare opens a short guaranteed window.
On Medicare before 65 in Colorado
Colorado requires every company selling Medigap to also sell to people on Medicare because of a disability.
Source: Colorado Division of Insurance Medigap guide; Colorado Insurance Regulation 4-3-1.
- Your first windowA 6-month open enrollment when you first enroll in Part B, with the company’s standard plans open to you and no health questions.
- PriceCompanies can charge more before 65, so we compare which ones price this group fairly.
- At 65A second 6-month window opens in the month you turn 65, with age-65 rates and full plan choice.
Price is today. Rate history is the next ten years.
Every Plan G pays the same benefits, so companies compete on price. But many Medigap policies are priced by your current age, so the premium rises as you get older, on top of any rate increases the company files with Colorado regulators. Two companies can quote nearly the same price today and be far apart in five years.
Spending winters in Arizona or out of state?
Plenty of Coloradans leave the snow for part of the year. How your coverage travels matters as much as its price.
Source: Medicare.gov rules on moving, special enrollment periods and Medigap coverage.
- Medicare AdvantageMost plans cover only emergencies and urgent care outside their service area, and a plan can end your enrollment after 6 months in a row away.
- MedigapOriginal Medicare with a Medigap plan works with any provider that accepts Medicare, in Colorado and wherever you spend the season.
- Part DChoose a drug plan with national network or mail-order pharmacies. How to choose a 2027 Part D plan.
Help paying Medicare costs in Colorado
If your income and savings are limited, Colorado’s Medicare Savings Programs can pay your Part B premium and, for some people, your deductibles and coinsurance. You apply through Colorado PEAK or your county human services office. Qualifying can also open special enrollment periods and lower drug costs, so tell us if you have applied.
The Colorado Medicare year
With no birthday rule, these dates are the ones that matter.
Your 6-month Medigap window starts once you are 65 and on Part B. The best time to buy any Medigap plan.
Annual Enrollment: change Medicare Advantage or Part D plans for January 1.
Medicare Advantage Open Enrollment: one change if you are already in an Advantage plan.
You can apply for Medigap, but outside your window a company can ask health questions.
Federal windows: Medicare.gov. Turning 65 soon? Use our enrollment checklist.
Go deeper
Guides that go deeper on the questions Colorado clients ask most.
- Plan G vs NComparing Medigap plans
- This fallWhat to do during the 2027 Annual Enrollment Period
- SwitchingSwitching from Medicare Advantage to Medigap
Questions Colorado clients ask
Does Colorado have a Medigap birthday rule?
No. Colorado follows the federal rules for people 65 and older. Your 6-month open enrollment and the federal guaranteed-issue situations are the times you can buy Medigap without health questions.
Can I get a Medigap plan in Colorado if I am under 65?
Yes. Colorado requires every company selling Medigap to sell to people on Medicare because of a disability during a 6-month window when Part B starts. Prices can be higher, and you get a second window at 65.
Is Medicare Advantage a good fit in rural Colorado?
It depends on the county. Plan choices and networks are thinner in many mountain and Western Slope counties, so check that your doctors and nearest hospital are in network before you enroll.
When is the best time to buy Medigap in Colorado?
During the 6 months that start the month you are 65 or older and enrolled in Part B, when every plan and company is open to you with no health questions.
Does it cost anything to work with you?
No. Insurance carriers pay agents a commission, and your premium is the same whether you enroll through us or directly with the company.
¿Pueden ayudarme en español?
Sí. Podemos ayudarle en español por teléfono o video. Envíe el formulario o mándenos un mensaje de texto al (773) 657-9140.
Know your window. Compare both paths. Then decide.
Send your details and a licensed advisor will compare Medigap and Medicare Advantage options for your Colorado ZIP code, including each company’s rate history, at no cost.