Medicare help
Colorado Medicare Plans Made Simple
- Local Colorado brokers (Broomfield office, statewide service)
- Side-by-side plan comparisons (costs, networks, pharmacies, formularies)
- Clear guidance on enrollment timing and next steps
- Support beyond enrollment (questions, changes, renewals)
Start here
Choose the situation that matches you best
New to Medicare (turning 65)
Reviewing a current plan
Prescription drug costs (Part D)
Provider access is your priority
Your Medicare roadmap (A, B, then choose your path)
Medicare has Parts. Most people start with Part A (hospital) and Part B (medical). Then you choose how to get additional coverage for drugs and out-of-pocket costs.
Part A (Hospital Insurance)
Part B (Medical Insurance)
Path A: Medicare Advantage (Part C)
Path B: Original Medicare + Medigap + Part D
Medicare Advantage (Part C): an all-in-one alternative
Who it can fit best
- People who prefer a bundled plan and may value extra benefits
- People comfortable using plan networks and plan rules
What to compare
- HMO vs PPO network structure
- Your doctors and hospitals in-network
- Prescription coverage (if included)
- Annual out-of-pocket maximum
- Copays and coinsurance for the services you actually use
- Extra benefits if offered: dental, vision, hearing, fitness (varies)
Medigap (Medicare Supplement): help with out-of-pocket costs
Who it can fit best
- People who prioritize broad provider access
- People who want predictable cost protection alongside Original Medicare
What to compare
- Plan letter options (availability depends on eligibility and timing)
- Monthly premium vs expected out-of-pocket exposure
- Underwriting rules, which may apply depending on when you enroll
With a Medigap policy, prescription coverage is typically handled through a separate Part D plan.
Part D: prescription drug plans
Part D plans can differ widely in what they cover and what you pay at your pharmacy.
What we check
- Your medication list (name, dosage, frequency)
- Formulary coverage and medication tiers
- Preferred pharmacies and mail-order options
- Total estimated annual cost (not just premium)
Doctors + network checklist (before you choose)
- List the doctors you want to keep
- Confirm the hospitals and specialists you may need
- Verify network status (in-network vs out-of-network)
- Confirm referral rules (HMO vs PPO)
- Confirm travel coverage expectations, especially if you travel frequently
Medicare enrollment periods (and when you can change plans)
Initial Enrollment Period (IEP)
Annual Enrollment Period (AEP)
Medicare Advantage Open Enrollment (MA OEP)
General Enrollment Period (GEP)
Special Enrollment Periods (SEPs)
What to have ready for your Medicare consult
- Your zip code and county
- Your Medicare card (if you have it)
- Doctors you want to keep
- Prescription list + dosages
- Preferred pharmacies
- Your priorities (low premium vs low out-of-pocket vs provider flexibility)
Why work with Kelmeg & Associates?
Local Colorado team
Plain-English comparisons
Help beyond enrollment
Related reading: our Medicare and health insurance guides, plus supplemental coverage options that pair with Medicare.
Frequently Asked Questions
Is Medicare Advantage better than Medigap?
It depends on your priorities (provider access, predictable costs, travel, and what benefits you value). We'll help you compare tradeoffs using your doctors and prescriptions.
Do I need Part D if I choose Medicare Advantage?
Many Medicare Advantage plans include drug coverage, but not all. If you choose Original Medicare, you typically add a separate Part D plan for prescriptions.
Can I change my plan later?
Yes, but timing matters. There are annual enrollment periods and special circumstances that allow changes.
What's the fastest way to compare plans?
Have your doctors list, prescriptions (with dosages), and preferred pharmacies ready so we can compare total annual cost and access.
Do you help after I enroll?
Yes. Many clients want support with questions, changes, and renewals.
Book your Medicare consult
Get clear answers and a confident next step.
Important information
We are not connected with or endorsed by the U.S. Government or the federal Medicare program.
We do not offer every plan available in your area. Currently we represent Kelmeg & Associates, Inc. organizations which offer Medical products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options. For free, unbiased counseling, you can contact Colorado SHIP at 1-888-696-7213.
Information on this page is for general guidance and isn't medical or legal advice. Plan availability, benefits, and costs vary by county, carrier, and plan. Questions? Call (303) 466-9575.