Medicare in Colorado: plans, enrollment, and costs

Common questions

When can I change my Medicare plan in Colorado?

The Annual Enrollment Period runs October 15 through December 7 each year, with changes effective January 1. Special Enrollment Periods apply after qualifying life events such as moving or losing employer coverage.

Is Medicare Advantage better than Medigap?

Neither is universally better. Medicare Advantage bundles coverage with lower premiums and network rules; Medigap pairs with Original Medicare for nationwide provider access and predictable out-of-pocket costs.

Does a Medicare broker cost anything?

No. Licensed brokers such as Kelmeg & Associates are paid by the carriers, so plan comparisons and enrollment help cost you nothing.