Plan F is the most comprehensive. (It covers most Doctor and Hospital Charges.) Some Plans like Plan N with Mutual of Omaha are Guaranteed issue. You can also switch some Colorado Medicare Supplement Insurance to a similar or lesser Anthem plan with no underwriting. We also work with Medicare Advantage Plans so we can figure out what works best for you.
Generally speaking the Medicare supplement insurance policy that works best for most people, are those policies that are a little more on a monthly basis to have near 100% coverage for most Medical and Hospital bills. They also work best for people who may travel, want to be able to work with Doctors all over, and have the most preditable costs.
Medicare Advantge plans usually have a lower monthly cost (some are zero), but you will typically pay Copays and additional charges for services. Medicare Advantage plans typically work with a select set of Doctors and facilities. Both types of plan will need or have a Medicare Part D drug plan to be complete. Selecting the right Medicare Part D plan depends on the medication you are on. Many Medicare Advantage plans inlude their Part D drug coverage as part of the bundle.
Your Health Insurance Broker for Colorado. We work with all of the major Health Insurance Carriers including: Anthem Blue Cross Blue Shield, PacifiCare, United Healthcare, Cigna, Sloans Lake, Employers Health Humana, Rocky Mountain HMO, Community Health Plan of the Rockies (CHPR), Principal Financial Group®, Golden Rule, Fortis, American Medical Security, American Trust Administrators, Great-West Life and Many more.