Colorado Medigap Insurance

Are you wondering how and when you should enroll in Medicare as a Colorado resident? What exactly does Medicare cover? What is the difference between "Original Medicare" and "Medicare Advantage" and how can you choose the right Colorado Medigap insurance for your needs?

In Colorado, you have the option to replace your Medicare Part A and B coverage with a Medicare Advantage plan from a private health insurer. Colorado Medicare Advantage plans cover emergency and urgent care along with everything else that Medicare covers, except hospice care. Medicare covers hospice care even when you have an Advantage plan. In Colorado, Advantage plans may also offer dental benefits, health and wellness programs, hearing benefits, prescription drug coverage and vision benefits.

Unfortunately, Colorado Medicare Advantage plans are losing government subsidies with new health care reform laws, and it's likely that these plans will become more expensive. What's the alternative? Colorado Medigap insurance, often called Medicare supplement insurance, is also available from private insurers to fill the gaps in your Medicare coverage.

In Colorado, you don't have to settle for the limited coverage Medicare provides. You can supplement it with any one of 10 Colorado Medigap plans. You can also combine Original Medicare with coverage from employers, religious groups or the Colorado Division of Veterans Affairs (CDVA).

When is the best time to enroll in a Colorado Medigap plan? During open enrollment, your application for Colorado Medigap insurance is guaranteed to be accepted regardless of any health problems you may have! Insurers must cover you as long as you apply during your six-month open enrollment period. That begins on the first day of the month in which you are at least 65 AND enrolled in Medicare Part B - but it only lasts for six months.

Find out how Colorado Medigap insurance can protect you from hundreds, if not thousands, of dollars in health care bills. Visit www.MediGapAdvisors.com or call 866-681-7712 to get professional assistance at no charge. Get a free copy of their 32-page booklet, â€Å"How to Get the Most from Your Medicare - Stretching Your Dollars with Medigap" at www.MyMedigapReport.com.