Medicare Supplemental Insurance in Colorado: Your Complete Guide

Understanding Medicare Supplemental Insurance in Colorado

Medicare supplemental insurance Colorado plans help fill the gaps in Original Medicare coverage, providing financial protection and peace of mind for Colorado residents.

Medicare supplemental insurance, also called Medigap, works alongside your Original Medicare (Parts A and B) to cover out-of-pocket costs that Medicare doesn't pay. In Colorado, these plans are standardized, meaning the benefits for each plan letter are identical across all insurance companies – only the prices differ.

Without supplemental coverage, you could face unlimited out-of-pocket expenses, as Original Medicare typically only covers about 80% of approved services after deductibles. That remaining 20% can add up quickly, especially for serious illnesses or long hospital stays.

Why consider Medicare supplemental insurance in Colorado?

• No provider networks – see any doctor that accepts Medicare
• Standardized benefits – easy to compare plans across companies
• Guaranteed renewable – your coverage can't be canceled if you pay premiums
• Predictable costs – helps protect against unexpected medical expenses

In Colorado, approximately 49% of residents enrolled in Original Medicare also have a Medicare supplement plan in 2025, demonstrating their popularity and value.



My name is Kelsey Mackley, an insurance specialist at Kelmeg & Associates, Inc. with extensive experience helping Colorado residents steer the complexities of Medicare supplemental insurance Colorado options to find coverage that best meets their needs and budget. I'm dedicated to simplifying this process so you can make confident decisions about your healthcare coverage.

Popular Plans in Colorado: Plan F, Plan G, and Plan N

While you have plenty of options, three plans stand out as the most popular choices among Colorado residents:

Plan F is the comprehensive coverage champion. It covers virtually every gap in Medicare Parts A and B, including all deductibles and excess charges. The catch? It's only available if you were eligible for Medicare before January 1, 2020. Many of my clients who have Plan F tell me they love the peace of mind that comes with knowing they'll have minimal out-of-pocket costs. Though the premium is higher, they appreciate the predictability in their healthcare budgeting.

Plan G has become the new gold standard for comprehensive coverage. It's nearly identical to Plan F, covering everything except the Medicare Part B deductible ($264 in 2025). Available to all Medicare beneficiaries regardless of when they became eligible, Plan G often proves more cost-effective than Plan F in the long run. Many of my Colorado clients find that the annual savings on premiums more than make up for paying the Part B deductible themselves.

Plan N offers a sweet spot between coverage and cost. With lower premiums than Plans F and G, it covers most gaps except the Part B deductible and excess charges. You'll have small copayments for some office visits (up to $20) and emergency room visits (up to $50 if you're not admitted). I often recommend Plan N to clients who are relatively healthy and don't visit specialists frequently.

Nationally, Plans F and G account for about 75% of all Medicare supplement plans sold. But with Plan F no longer available to new Medicare beneficiaries, Plan G has been gaining significant ground here in Colorado.

I recently helped Ray from Parker, Colorado choose his plan. He told me: "After comparing all the available options, I chose Plan G because it offered the best value for my situation. The small annual Part B deductible was worth paying for the comprehensive coverage I receive for everything else."

When it comes to choosing the right plan, there's no one-size-fits-all answer. Your health needs, budget, and preferences all play important roles. The good news is that all these plans are available throughout Colorado, giving you plenty of options to find the perfect fit for your situation.

Costs and Pricing of Medicare Supplement Plans in Colorado

When it comes to Medicare supplemental insurance Colorado plans, one thing's for certain—prices can vary quite a bit. I've worked with hundreds of Colorado residents who are often surprised by the range of premiums for identical coverage.



Think of Medicare supplement pricing like airline tickets—same destination, but prices differ depending on when you book, which company you choose, and even who you are. Let's break down what affects your premium costs.

Your age plays a major role in determining costs. Most Colorado insurers use "attained age" pricing, which means your premium increases as you get older—kind of like car insurance for teenagers, but in reverse! Some companies offer "issue age" pricing (based on your age when you first buy) or "community rating" (same price for everyone regardless of age), which might save you money long-term.

Where you live in Colorado matters too. A Plan G in Denver might cost $30-40 more per month than the exact same plan in a rural area. Gender also factors in—women often pay different rates than men for identical coverage. And if you're a smoker, expect to pay 15-20% more than non-smokers.

The plan letter you choose naturally affects cost. More comprehensive plans like F and G generally cost more than plans with less coverage like A or N. In 2025, the average premium for a Medicare supplement plan in Colorado is approximately $220 per month, according to the most recent data from insurance carriers operating in the state.

One of my clients, Linn from Conifer, regularly reminds others: "Don't listen to any company that tries to tell you that your rate will always be the same as the day you enrolled. It's simply not true. Look at historical rate increases when choosing a plan."

That's excellent advice. The initial premium is just part of the story—how quickly rates increase over time can have a bigger impact on your wallet.

How to Find the Best Rates for Medicare Supplemental Insurance in Colorado

Finding the best rates for Medicare supplemental insurance Colorado doesn't have to be overwhelming. I've helped countless Colorado residents steer this process, and here's what works.

Start by comparing multiple insurers. Since benefits are standardized by plan letter, the main difference between companies offering the same plan is price and customer service. Getting quotes from several companies can reveal surprising price differences—sometimes $50-100 per month for identical coverage!

Medicare's official Medigap Plan Finder is a helpful starting point. This tool allows you to compare plans and estimated prices specific to your ZIP code.

Don't forget to ask about rate increase history. A plan with a slightly higher initial premium but smaller historical rate increases might save you thousands over time. As one of my clients from Conifer shared, "Before turning 65, I received all kinds of promotional literature regarding the 'best' Medicare provider. Working with an independent agent who could compare multiple options stood out from all the rest."

Your health status matters too—if you're outside your Medigap Open Enrollment Period and don't have guaranteed issue rights, some companies have more lenient health underwriting than others. This can make a big difference in approval odds and pricing.

Look for discounts that can reduce your costs. Many insurers offer household discounts when couples enroll (typically 5-12% off), and some provide discounts for paying annually or setting up automatic payments.

The Colorado Division of Insurance and the State Health Insurance Assistance Program (SHIP) maintain a document for comparing estimated premiums across companies, which can be incredibly helpful.

For many people, the process is simplest with a trusted guide. At Kelmeg & Associates, we help you compare rates from various companies to find the best value for your specific situation—at no extra cost to you. Our goal is to simplify what can otherwise be a complex process.

For personalized assistance finding the best rates custom to your needs, visit our Medicare Supplement Plans Colorado page. We're here to help you steer the options with clarity and confidence.



Enrollment Process for Medicare Supplemental Insurance in Colorado

Getting enrolled in Medicare supplemental insurance Colorado doesn't have to be complicated, though it might seem that way at first glance. Think of it as a journey with clear signposts along the way – knowing when and how to enroll makes all the difference in securing the coverage you need at the best possible price.

When I talk with Colorado residents about Medicare supplement enrollment, I always emphasize that timing is everything. Your enrollment journey typically follows these steps: First, you'll need to be enrolled in Original Medicare (Parts A and B) before you can purchase any supplemental coverage. Then you'll want to research your plan options, select an insurance company with competitive rates, complete an application, pay your premium, and finally receive your policy documents.

The simplest way to start is through the Social Security Administration website, where you can begin your Medicare application online.

As Ed from Fort Collins shared with me recently, "The process seemed overwhelming at first, but having someone guide me through each step made all the difference. They helped me understand when to apply and what documents I needed."

When Can You Enroll in Medicare Supplemental Insurance in Colorado?

The timing of your enrollment can significantly impact both your coverage options and what you'll pay for Medicare supplemental insurance Colorado. Here's what you need to know about the critical enrollment windows:

Your Medigap Open Enrollment Period is your golden ticket to getting the best coverage at the best price. This six-month window begins the first month you have Medicare Part B and are at least 65 years old. During this period, insurance companies must sell you any Medigap policy they offer – regardless of any health conditions you might have – and they cannot charge you higher premiums based on your health status.

Outside of this period, you may still have guaranteed issue rights in certain situations. For example, if you lose coverage from a Medicare Advantage plan through no fault of your own, move out of your plan's service area, or if your Medicare Advantage plan stops serving your area, you may qualify. Also, if you joined a Medicare Advantage plan when first eligible at 65 and decide within the first year to switch back to Original Medicare, you'll have guaranteed issue rights for a Medigap policy.

Colorado residents under 65 who qualify for Medicare due to disability or End-Stage Renal Disease have at least some options too. Colorado requires insurance companies to sell at least Plan A to these individuals, though companies may charge higher premiums.

A Colorado SHIP counselor I work with often reminds clients, "If you miss your initial enrollment period, getting coverage can be much more difficult and expensive. That's why we always emphasize the importance of enrolling during your Medigap Open Enrollment Period."

How to Enroll in a Medigap Plan in Colorado

The actual enrollment process for Medicare supplemental insurance Colorado is fairly straightforward once you understand the steps involved.

Start by researching available plans using Medicare's Plan Finder tool or by consulting with a licensed insurance agent who can help you compare options. Once you've identified the plan that best fits your needs and budget, you'll contact the insurance company directly (or work with your agent who can handle this for you).

You'll need to complete an application form that typically asks for your Medicare number, Part A and B start dates, and personal information like your name and address. If you're applying outside your Open Enrollment Period, you might also need to answer health questions as part of the medical underwriting process.

Be prepared to submit some documentation with your application. This usually includes a copy of your Medicare card and, if applicable, proof of eligibility for guaranteed issue rights. You'll also need to provide payment information to set up your premium payments, which can typically be arranged monthly, quarterly, or annually.

Once your application is approved, take time to carefully review your policy before signing it. Make sure you understand what's covered, what isn't, and how the claims process works.

Many Colorado residents find it helpful to work with a Medicare Licensed Insurance Agent in Colorado who can provide personalized guidance throughout this process. At Kelmeg & Associates, we've helped countless clients steer these steps with confidence.

As Sue from Frederick, Colorado, told us, "Arla made my choice for a Medicare Supplement very easy. I had a few questions and she answered everything. If she didn't know, she researched until she found the right answers."

Getting the enrollment timing right is just as important as choosing the right plan. The decisions you make during this process will impact your healthcare coverage and costs for years to come, so it's worth taking the time to understand your options and get expert guidance if needed.

Comparing Medicare Supplement Plans: Tips for Colorado Residents

When you're navigating Medicare supplemental insurance Colorado, it can feel a bit like wandering through the Rocky Mountains without a map. With so many options and details to consider, how do you find the path that's right for you? Let's break it down into some practical advice that can help you make this important decision with confidence.

First, take a moment to think about your own healthcare needs and habits. Do you visit doctors frequently for chronic conditions? Are you planning international travel and need coverage abroad? Or perhaps you're generally healthy and willing to handle some costs out-of-pocket to keep your monthly premiums lower. Your personal healthcare situation should be the compass that guides your decision.

One of the unique aspects of Medicare supplemental insurance Colorado plans is that they're standardized – meaning Plan G from one company offers exactly the same benefits as Plan G from another company. This standardization makes comparison shopping much simpler, as you can focus on which plan type (A through N) best meets your needs, then shop for the best price.

When evaluating costs, look beyond just the monthly premium. A plan with a lower premium might seem attractive until you factor in higher deductibles or copayments that could end up costing you more in the long run. Ask insurance companies about their history of rate increases too – a plan with slightly higher initial premiums but a track record of smaller annual increases might save you money over time.

"I initially chose the plan with the lowest premium," shares Martha from Denver, "but after a hospital stay, I realized I would have saved money with a more comprehensive plan. Now I look at the total potential costs, not just the monthly payment."

Colorado residents have excellent resources available to help with these comparisons. The State Health Insurance Assistance Program (SHIP) offers free, unbiased counseling from experts who understand the nuances of Medicare coverage. These counselors can help you evaluate your options without trying to sell you anything.

For those on limited incomes, don't assume Medicare supplements are out of reach. Special assistance programs may be available to help with costs. You can learn more about these through Help for Medicare Beneficiaries with Lower Incomes.

The quality of the insurance company matters too. Before making your final decision, check financial strength ratings from organizations like A.M. Best or Standard & Poor's. A company's financial stability can give you confidence that they'll be around to pay claims for years to come.

Customer satisfaction ratings and complaint ratios (available through the Colorado Division of Insurance) can also provide insights into how companies treat their policyholders.

"As coverage and costs change annually, I truly believe having someone looking out for what is best for me makes all the difference," shares Ed from Fort Collins. "I highly recommend working with someone who can help you compare all available options."

Medicare Supplement Plans vs. Medicare Advantage Plans in Colorado

One of the biggest decisions Colorado Medicare beneficiaries face is choosing between a Medicare supplemental insurance Colorado plan and a Medicare Advantage plan. While they both aim to reduce your healthcare costs, they work in fundamentally different ways.

Medicare Supplement plans work alongside your Original Medicare. They help fill the "gaps" in coverage by paying for things like copayments, coinsurance, and deductibles. With a Medigap plan, you can see any doctor or specialist who accepts Medicare – no networks to worry about. This freedom is especially valuable in Colorado, where you might split your time between the city and mountain communities, or travel frequently to visit family in other states.

Medicare Advantage plans, on the other hand, replace your Original Medicare entirely. These plans often have network restrictions (either HMO or PPO), meaning you'll need to see specific doctors and hospitals to get the full benefits. They typically include prescription drug coverage and may offer additional perks like dental, vision, or hearing benefits that Original Medicare doesn't cover.

The financial structures differ too. Medigap plans generally have higher monthly premiums but provide more predictable costs when you need care. Medicare Advantage plans often feature lower premiums (sometimes even $0), but you'll typically pay more in copayments and coinsurance when you actually use healthcare services.

"I chose a Medicare Supplement plan because I travel frequently between my home in Boulder and my daughter's place in Grand Junction," explains Linn from Colorado. "Being able to see any doctor who accepts Medicare without worrying about network restrictions gives me peace of mind."

Your choice ultimately depends on what you value most – the flexibility and predictable costs of a Medigap plan, or the potentially lower premiums and extra benefits of a Medicare Advantage plan.

Additional Benefits and Discounts in Colorado Medigap Plans

While the core benefits of Medicare supplemental insurance Colorado plans are standardized, many insurance companies sweeten the deal with extra perks and discounts that can provide significant value.

Many Medigap carriers include SilverSneakers fitness memberships with their plans – a wonderful benefit that gives you access to gyms and fitness classes throughout Colorado. Staying active is particularly important as we age, and having this membership included at no extra cost can save you hundreds of dollars annually while supporting your health.

"The SilverSneakers benefit that came with my Medigap plan has been wonderful," shares Ray from Parker. "I've made new friends at the gym and it keeps me active and healthy, which is an unexpected bonus from my insurance."

Household discounts are another way to save. If you and your spouse both enroll with the same company, you might qualify for discounts of 5-12% on your premiums. Over time, these savings can add up to thousands of dollars.

While Medigap plans don't cover prescription drugs (you'll need a separate Part D plan for that), some insurers offer prescription savings programs like ScriptSave or WellRx. These programs can help reduce costs on medications that might not be covered by your Part D plan or help with costs while you're in the coverage gap (donut hole).

Some carriers also provide access to discount programs for vision and dental services, which aren't covered by Original Medicare. These aren't insurance benefits, but they can help reduce your out-of-pocket costs for routine care like eye exams, glasses, and basic dental services.

Other valuable extras might include 24/7 nurse hotlines for health questions, coverage for an annual comprehensive physical exam beyond Medicare's standard preventive visits, and discounts for using automatic payment methods or paying annually instead of monthly.

For more information about these additional benefits and how they might improve your Medicare coverage, visit our Medicare Resource Center Colorado Springs.

While these extras can add value, they shouldn't be the primary factor in your decision. The core coverage and cost of the plan should remain your main focus, with these additional benefits serving as potential tiebreakers between otherwise similar options.

Resources for Assistance with Medicare Supplemental Insurance in Colorado

Finding your way through the maze of Medicare supplemental insurance Colorado options doesn't mean you have to go it alone. Colorado residents are fortunate to have access to several helpful resources that can make this journey much easier.

The State Health Insurance Assistance Program (SHIP) is perhaps the most valuable resource available to you. This program offers completely free, unbiased Medicare counseling from trained advisors who have no financial stake in which plan you choose. SHIP counselors can sit down with you one-on-one to compare plans, help with claims or billing issues, and even guide you through the appeals process if needed. With 17 local offices spread across Colorado, there's likely one near you. You can reach them at 1-888-696-7213 to schedule an appointment.

"The SHIP program was incredibly helpful when I was trying to understand my Medicare options," shares a client from Boulder. "They provided unbiased information that helped me make an informed decision without trying to sell me anything."

For more detailed information about SHIP services, take a look at this comprehensive guide that outlines everything they offer.

The Colorado Division of Insurance also plays an important role in protecting consumers. They regulate all insurance companies operating in the state, help resolve complaints, and regularly publish helpful guides and rate comparisons for Medicare supplemental insurance Colorado plans. If you ever have issues with an insurance company, they're there to help.

For official Medicare information, Medicare.gov remains the gold standard. The federal government's official Medicare website offers a wealth of resources, including the handy Medigap Policy Search tool that lets you compare plans in your area. The site is regularly updated with the latest Medicare information and policy changes.

You'll also find useful tools like Finding a Medicare Doctor, which helps you locate providers who accept Medicare in your area, and information on how to get a Medicare Replacement Card if yours is lost or damaged.

Another valuable resource is the Senior Medicare Patrol (SMP), which helps seniors identify and report Medicare fraud and errors. They provide education on protecting your sensitive Medicare information and can be reached at 1-800-503-5190.

Getting Personalized Help in Colorado

While online resources are helpful, many people prefer a more personal touch when navigating Medicare supplemental insurance Colorado options. Fortunately, there are several ways to get face-to-face assistance.

SHIP counselors, as mentioned earlier, are available for in-person appointments at senior centers and community locations throughout Colorado. These trained volunteers provide objective guidance at absolutely no cost to you.

Licensed insurance agents, like our team at Kelmeg & Associates, Inc., specialize in helping Colorado residents steer the complexities of Medicare. Our services come at no additional cost to you, as we're compensated by the insurance companies when you enroll. We can explain different plans in plain English, help compare costs across multiple insurance carriers, and assist with the enrollment process from start to finish. Perhaps most importantly, we provide ongoing support for any questions or issues that arise after you've enrolled.

"Having a knowledgeable guide through the Medicare maze made all the difference," shares Sue from Frederick. "My agent answered all my questions and even helped resolve a payment issue when it came up later."

Many communities across Colorado also offer educational seminars and workshops about Medicare. These events typically provide a good overview of Medicare basics and can be a great starting point. Check with your local senior centers, libraries, and community centers for upcoming sessions in your area.

Social Security Administration offices can also provide assistance with Medicare enrollment and premium payments. They're particularly helpful if you need guidance on the Extra Help program, which assists with prescription drug costs for those with limited income and resources.

For additional guidance on supplemental insurance options beyond Medicare, visit our Supplemental page.

You don't have to figure out Medicare supplemental insurance Colorado options by yourself. Reaching out for expert assistance can save you time, money, and a great deal of frustration as you search for the coverage that best fits your needs.

Frequently Asked Questions about Medicare Supplemental Insurance in Colorado

What is the best Medicare Supplemental Insurance plan in Colorado?

When clients ask me about the "best" Medicare supplemental insurance Colorado plan, I always smile and tell them that's a bit like asking about the best pair of shoes – it really depends on who's wearing them and where they're going!

There simply isn't a one-size-fits-all answer. Your ideal plan depends on your unique healthcare needs, budget constraints, and personal preferences.

For folks seeking comprehensive coverage, Plan G tends to be a popular choice. It covers almost everything except the Medicare Part B deductible (which is $264 in 2025). Many of my clients find that the premium savings compared to Plan F often outweigh having to pay this small deductible themselves.

If you became Medicare-eligible before 2020, you might consider Plan F, which provides the most complete coverage available, including that Part B deductible. It's like the luxury option – maximum coverage with minimum out-of-pocket costs, though it does come with higher premiums.

Plan N has been gaining popularity among my more budget-conscious clients. It offers a good middle ground – lower monthly premiums in exchange for paying small copayments for certain office visits (up to $20) and emergency room visits (up to $50 if you're not admitted). For many Colorado residents who don't visit doctors frequently, this trade-off makes good financial sense.

At Kelmeg & Associates, we take the time to understand your specific situation before recommending any plan. After all, the "best" plan is simply the one that works best for you.

Can I change my Medicare Supplemental Insurance plan at any time?

Yes, technically you can apply to change your Medicare supplemental insurance Colorado plan whenever you want – but there's an important catch that many people don't realize until it's too late.

Outside of your Medigap Open Enrollment Period (the six months starting when you're 65 and enrolled in Medicare Part B) or without guaranteed issue rights, insurance companies have the freedom to be much more selective. They can deny you coverage based on pre-existing health conditions, charge you significantly higher premiums based on your health status, or impose waiting periods before covering certain conditions.

I always advise my clients to proceed with caution when considering a switch. Whatever you do, don't cancel your current policy until you're absolutely certain you've been approved for the new one. I've seen too many people left without supplemental coverage because they jumped the gun.

Before making any changes, it's worth taking time to carefully compare both the benefits and costs. Ask yourself whether the potential savings or improved benefits truly outweigh the risks of medical underwriting.

One particular note of caution: if you've had your current Medigap policy for less than six months, the new insurance company may make you wait up to six months before covering any pre-existing conditions.

As one of our local Colorado SHIP counselors often reminds people, "Once you give up your guaranteed issue rights, there's no guarantee you'll be able to get a new Medigap policy if you change your mind later." Those are wise words to consider before making any changes.

Do Medigap plans cover prescription drugs?

I get this question all the time, and the answer is straightforward: No, Medicare supplemental insurance Colorado plans (Medigap) do not cover prescription medications. For that, you'll need to enroll in a separate Medicare Part D plan.

This often comes as a surprise to people new to Medicare. They assume their supplement plan would cover all their healthcare needs, including prescriptions. The system can seem unnecessarily complicated at first glance.

A bit of Medicare history explains why: Before 2006, some Medigap policies (specifically Plans H, I, and J) did include prescription coverage. But when Medicare Part D was introduced, new Medigap policies were no longer allowed to include drug coverage. If you happen to still have one of these older policies, you can keep it – but it's worth comparing its drug coverage with current Part D plans to see which gives you better value.

Here's something important to remember: If you don't enroll in a Part D plan when you're first eligible and don't have other "creditable" prescription coverage (like from an employer), you could face a late enrollment penalty if you join later. This penalty adds to your monthly premium and lasts as long as you have Part D coverage – potentially for the rest of your life.

For comprehensive coverage, most of my Medicare clients in Colorado end up with three complementary pieces:

1. Original Medicare (Parts A and B) for hospital and medical coverage
2. A Medigap policy to fill the gaps in Parts A and B
3. A separate Part D plan for prescription medications

I remember one client from Parker who told me, "When I first enrolled in Medicare, I had no idea I needed another plan just for my medications! Thank goodness you explained it to me before I missed my enrollment period." Those kinds of moments are exactly why having someone guide you through the Medicare maze can be so valuable.



Conclusion

Navigating Medicare supplemental insurance Colorado options can seem complex, but having the right information and guidance makes all the difference. As we've explored in this guide, Medigap policies play a crucial role in providing financial protection and peace of mind for Medicare beneficiaries across Colorado.

When I sit down with clients to discuss their Medicare options, I often see a mixture of confusion and concern on their faces. Healthcare decisions are personal and important - especially as we age. That's why understanding your Medicare supplemental insurance Colorado choices is so vital to your financial well-being and peace of mind.

Throughout our conversations with Colorado seniors, one thing becomes clear: those who take the time to understand their Medigap options end up with coverage that truly fits their needs. They sleep better knowing that a surprise hospital stay won't lead to surprise bills.

Medicare supplemental insurance fills crucial gaps in Original Medicare coverage. Without it, you're exposed to potentially unlimited out-of-pocket expenses that can quickly drain your retirement savings. With the right Medigap plan, you gain predictability and protection.

Colorado residents have access to all 10 standardized plans, with Plans F, G, and N emerging as favorites among our clients. Each offers a different balance of coverage and cost - there's truly something for everyone, whether you prefer comprehensive coverage or are comfortable with some cost-sharing to lower your premiums.

Timing your enrollment is absolutely critical. I've seen the relief on clients' faces when they enroll during their 6-month Medigap Open Enrollment Period and can select any plan without health questions or higher premiums due to pre-existing conditions. Conversely, I've also had the difficult conversation with those who waited too long and face limited options.

One aspect that surprises many of my clients is how costs vary significantly between insurance companies for identical coverage. Two companies offering exactly the same Plan G can differ by $50 or more per month - that's $600 annually for the exact same benefits! This is why comparison shopping is so essential.

Many Colorado seniors are delighted to find the additional benefits and discounts that come with their Medigap plans. From SilverSneakers fitness programs that keep you active to household discounts that save you money, these extras improve the value of your coverage.

Fortunately, you don't have to figure this out alone. Colorado offers excellent resources to help you steer your options, including SHIP counselors, online tools, and licensed insurance agents who specialize in Medicare. At Kelmeg & Associates, Inc., we take pride in providing this guidance at no additional cost to you.

As Sue from Frederick told me recently: "Deciding on a supplemental Medicare plan felt overwhelming until I got help. Having someone knowledgeable in my corner made all the difference. With coverage and costs changing every year, I'm grateful to have someone looking out for what's best for me."

Whether you're new to Medicare, considering changing your current coverage, or simply have questions about your options, we're here to help. Visit our Medicare page or contact us today to schedule a conversation with one of our Medicare specialists.



The right Medicare supplemental insurance Colorado plan gives you more than just coverage—it provides confidence and security in your healthcare decisions. And isn't that what we all want? The freedom to focus on enjoying life in our beautiful Colorado, knowing we're protected if healthcare needs arise.