Best Medicare Advantage Plans in Colorado
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Nearly 1 million people in Colorado are signed up for Medicare, putting it in the top half of U.S. states for Medicare beneficiaries.
Medicare is the government health care program for people age 65 and older. Medicare Advantage is a bundled alternative to Medicare sold by private insurance companies. It offers all the same benefits and usually some extras, such as cost help with dental and vision coverage.
Medicare Advantage plans offer more benefits than Original Medicare, and they're often cheaper than paying for Medicare and a Medicare Supplement plan. However, they offer less flexibility since you’ll need to get care from within the plan’s network of providers. Weigh your options to determine what plan best suits your needs.
What to know about Medicare in Colorado
With about 1 in 7 people in Colorado being 65 and older, the state offers a variety of Medicare and Medicare Advantage plans.
The average monthly premium in 2023 for a Medicare Advantage plan in Colorado is $13.71. (This is down from $14.52 in 2022.)
There are 100 Medicare Advantage plans available in Colorado in 2023. (This is up from 94 plans in 2022.)
Of Medicare-eligible people in Colorado, 99% have access to a $0-premium Medicare Advantage plan.
Medicare Advantage companies in Colorado
Clear Spring Health.
Elevate Medicare Advantage.
Rocky Mountain Health Plans.
Top-rated Medicare Advantage plans in Colorado
Each year, the Centers for Medicare & Medicaid Services, or CMS, awards every Medicare Advantage plan a star rating on a scale of 1 to 5, with 5 being a top-rated plan. Below are companies with plans that received top marks in Colorado for the 2023 plan year. (Check out more information about Medicare star ratings.)
The companies below offers plans in Colorado that are rated 5 stars out of 5 by CMS:
The company below offers plans in Colorado that are rated 4.5 stars out of 5 by CMS:
Medicare resources in Colorado
Senior Health Care & Medicare Assistance: Free guidance and counseling for Medicare enrollees.
Colorado Division of Insurance: For questions about your insurance.
Health First Colorado: For questions about Medicaid benefits or eligibility.
Find the right Medicare Advantage plan
It’s important to do your research before selecting a Medicare Advantage plan for yourself. Here are some questions to consider asking:
What are the plan’s costs? Do you understand what the plan’s premium, deductibles, copays and/or coinsurance will be? Can you afford them?
Is your doctor in-network? If you have a preferred medical provider or providers, make sure they participate in the plan’s network.
Are your prescriptions covered? If you’re on medication, it’s crucial to understand how the plan covers it. What tier are your prescription drugs on, and are there any coverage rules that apply to them?
Is there dental coverage? Does the plan offer routine coverage for vision, dental and hearing needs?
Are there extras? Does the plan offer any extra benefits, such as fitness memberships, transportation benefits or meal delivery?
Medicare Advantage providers
Get more information below about some of the major Medicare Advantage providers. These insurers offer plans in most states. The plans you can choose from will depend on your ZIP code and county.
Looking for more insurance in Colorado? Check out these resources: