Medicare Supplement Plans Colorado 2025 – Plans & Rates

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Russell Noga
by Russell Noga | Updated April 6th, 2024

Are you choosing a Medicare Supplement Plan in Colorado for 2025? This insightful guide provides essential information on Medigap policies, including Plan G, Plan F, and Plan N, as well as their varying costs and coverage options. It will help you navigate the enrollment process, compare plan benefits, and make an informed decision based on the latest Medicare Supplement Plans Colorado 2025 plan details specific to Colorado residents.


Key Takeaways

  • Medicare Supplement Plans, known as Medigap, in Colorado, cover costs like copayments and deductibles not covered by Original Medicare.
  • Beneficiaries should be aware of the potential for new Medigap policy options in Colorado for 2025, as insurance providers may introduce plans with innovative benefits or modify existing ones to align with evolving healthcare needs and regulatory changes.
  • Private insurance companies offer diverse Medigap plans in Colorado, where premiums can vary, and additional benefits may include dental and vision coverage; beneficiaries must consider factors like drug formularies and provider networks when choosing a plan.


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Understanding Medicare Supplement Plans in Colorado for 2025

Understanding Medicare Supplement Plans in Colorado for 2025


Known as Medigap, Medicare Supplement Plans are designed to work in conjunction with Original Medicare, covering out-of-pocket expenses such as copayments, coinsurance, and deductibles that Original Medicare does not cover. This additional support, known as Medicare Supplement Coverage, is essential for many Medicare beneficiaries, ensuring they are not left with unmanageable costs after receiving healthcare services.

As of now, there have been no specific changes announced for Medicare Supplement Plans in Colorado for the plan year 2025.


Eligibility and Enrollment

Understanding the enrollment process is crucial for accessing Medigap plans in Colorado. These plans are required to be offered to individuals under age 65, with a six-month enrollment window that aligns with the Medicare eligibility period. During this period, policyholders in Colorado have the option to switch to a different Medigap policy if their current plan does not suit their needs. However, it’s worth noting that policyholders who decide to switch to a different Medigap policy within their first six months may experience a waiting period before the new policy covers any pre-existing conditions.


Comparing Medigap Plans

In Colorado, the most sought-after Medigap plans are Plans F and G, which cover a wide range of benefits and may also be available in high-deductible options. These plans offer benefits for services such as Part A hospice care coinsurance or copayment, skilled nursing facility care coinsurance, and coverage for foreign travel emergencies. Plan N is another popular choice, paying 100% of the Part B coinsurance, with certain copayments applied to office visits and ER visits not resulting in inpatient admission.

However, the choice of a Medigap plan isn’t one-size-fits-all. Beneficiaries may consider changing their Medigap policies for the following reasons:

  • To reduce costs
  • To acquire necessary additional benefits
  • To switch insurance companies
  • To eliminate coverage for benefits, they no longer require

Hence, understanding each plan and comparing them based on your specific needs is crucial for making an informed decision.


Medicare Plan G 2025 Benefits

Medicare Plan G 2025 Benefits


Some of the key benefits of Medicare Plan G include:

  • Full coverage of Part A hospital and coinsurance costs up to an additional 365 days after Medicare benefits are exhausted
  • Payment of the Part A hospice care coinsurance or copayment
  • Coverage of the Part A deductible
  • Coverage of Part B excess charges, which occur when a doctor charges more than what Medicare approves
  • Payment of the Part B coinsurance or copayment, providing peace of mind for routine visits
  • First three pints of blood for a medical procedure covered each year
  • Skilled nursing facility care coinsurance coverage
  • Foreign travel emergency health care coverage up to plan limits

Beneficiaries of Plan G can enjoy the reassurance that comes with knowing their plan is designed to cover the significant gaps left by Original Medicare. This plan’s predictability and comprehensive nature make it an excellent choice for beneficiaries looking to manage their healthcare costs effectively and avoid unexpected medical bills.

While Plan G does not cover the Medicare Part B deductible, its benefits extend to other areas, ensuring that enrollees have broad protection against a range of healthcare costs. This makes Medicare Plan G a preferred option for Colorado residents seeking extensive coverage and financial security in their healthcare planning.



Medicare Plan F 2025



Plan F is a Medicare Supplement Plan with comprehensive coverage. However, it’s important to note that Plan F is no longer available to new Medicare enrollees as of January 1, 2020. This change came as a result of legislation that prohibits Medigap plans from covering the Part B deductible for new Medicare beneficiaries in an effort to encourage more prudent use of medical services.

For those who were already enrolled in Medicare before 2020, Plan F remains available and continues to provide its broad benefits, including coverage of the Part B deductible. This makes Plan F a particularly attractive option for eligible beneficiaries who prefer to have the majority of their healthcare expenses covered.

Despite the shift in availability, Plan F remains a symbol of the most extensive coverage among Medigap plans for those who are grandfathered into the policy. Its reputation for providing peace of mind through its extensive coverage is still relevant for those beneficiaries who continue to have access to this plan.

As the healthcare landscape evolves, it’s essential for Medicare beneficiaries to stay informed about their coverage options. Although Plan F is not an option for new Medicare members, there are other Medigap plans that offer substantial coverage, and beneficiaries should review these options to find a plan that best suits their healthcare needs and budget.


Medicare Plan N 2025


Medicare Plan N 2025


Medicare Plan N is a valuable choice for beneficiaries who seek a balance between affordable premiums and comprehensive coverage. This plan is particularly attractive for those who are comfortable with a small copayment for doctor visits and emergency room trips that don’t result in an inpatient admission. In 2024, Medicare Part B monthly premiums increased, which may impact the costs for Medicare Plan N in 2025. Despite this, Plan N remains a cost-effective solution for many, providing a robust range of benefits that include:

  • Full payment of Part A hospital and coinsurance costs for an additional 365 days after Medicare benefits are depleted
  • Coverage of Part A hospice care coinsurance or copayment, ensuring compassionate end-of-life care without overwhelming expenses
  • Complete payment of the Part A deductible, offering financial relief from significant upfront hospital costs
  • Coverage of the Part B coinsurance, which includes the majority of outpatient services and ensures predictability in out-of-pocket expenses
  • The first three pints of blood needed for a medical procedure each year, which can otherwise be a costly expense
  • Skilled nursing facility care coinsurance coverage, which is vital for recovery after a hospital stay
  • Foreign travel emergency health care coverage up to plan limits, providing peace of mind for those who enjoy international travel

Plan N’s structure is designed for those who wish to enjoy lower premiums while still having coverage for a wide array of medical services. Beneficiaries are encouraged to consider Plan N as a viable option for reducing their healthcare expenses without sacrificing the quality and breadth of coverage. As healthcare costs continue to rise, Medicare Plan N could be the strategic choice for Colorado residents looking to maintain both their health and financial wellbeing in 2025.


Costs and Premiums

As with all Medigap plans, the premiums for Plan N are determined by individual insurance companies and can be influenced by factors such as the enrollee’s age. Most insurers in Colorado use attained-age rating, which means premiums increase as the enrollee ages. However, premiums for Medigap policies in Colorado can also vary based on location within the state and the insurance company offering the plan, even for plans with standardized benefits.

On a brighter note, insurance companies may offer incentives and discounts that can help reduce Medigap premiums. These can be based on:

  • Gender
  • Non-smoking status
  • Marital status
  • Yearly payment
  • Electronic funds transfer
  • Multiple policies held with the same insurer

Additionally, some Medigap policies provide a high-deductible option, which lowers the monthly premium. However, premiums typically increase each year, and additional costs, like the monthly Medicare Part B premium, are paid separately.



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Navigating Prescription Drug Coverage with Medigap

Prescription drug coverage is a critical aspect of healthcare, and Medigap plans play a significant role in this area. In Colorado, beneficiaries can add prescription drug coverage to their Medigap policies by purchasing a Stand-Alone Part D plan from private insurance companies approved by Medicare. Each Stand-Alone Part D plan may come with different:

  • premiums
  • deductibles
  • copays
  • pharmacy networks

There is a standard plan option being offered and potentially enhanced plans with additional coverage.

Understanding how to manage access and navigate this coverage is crucial for ensuring comprehensive healthcare.


Understanding Part D and Medigap

Medicare Part D and Medigap work hand in hand to provide a comprehensive coverage solution. Stand-Alone Part D plans and Medicare Health Plans that include drug coverage in Colorado are subject to annual changes in premiums, copays, and covered drug lists.

The enrollment period to enroll in or change Part D plans runs from October 15 through December 7 each year, with updates taking effect from January 1. While Medigap plans work alongside Original Medicare, Medicare Part D is crucial for prescription drug coverage, which is not typically included in Medigap plans.


Selecting the Right Prescription Drug Plan

When selecting a prescription drug plan, several factors come into play. The plan’s formularies, or list of covered drugs, play a critical role since drugs not covered will require full payment by the consumer. Beneficiaries should also consider the following factors:

  • Verify if their preferred pharmacy is in-network to avoid higher costs
  • Ensure their drug expenses contribute towards true out-of-pocket costs
  • Consider mail order options, which may offer savings depending on the plan

Taking these factors into account will help beneficiaries make an informed decision when selecting a prescription drug plan, considering the prescription drug benefits and the range of prescription drugs covered.

However, it’s not just about cost. Plans may have restrictions like prior authorization, step therapy, and quantity limits, which could impact the choice of plan based on individual medication needs and physician recommendations. Understanding the coverage gap, known as the ‘Donut Hole’, where beneficiaries pay 25% for covered brand-name and generic drugs until reaching a limit, is essential for evaluating overall costs. Finally, reviewing the annual notice of change, which details general premium modifications but may not always include changes in drug coverage, is critical for choosing the best plan each year.


The Role of Private Insurance Companies in Medigap

Private insurance companies that offer health insurance policies, such as Medigap, include:

These companies provide a variety of Medigap plan types, ensuring that beneficiaries have a wide range of options based on their healthcare needs.

Although all Medigap plans offer the same basic Medicare benefits, aspects such as pricing and customer service can vary, highlighting competition among providers.


Choosing an Insurer

Choosing the right insurer for your Medigap coverage involves several considerations. Here are some factors to keep in mind:

  • Verify that your preferred plan type is offered by a private insurer in your region, as availability may vary.
  • While federal law standardizes Medigap policies, premium costs for the same plan type can vary significantly between insurers.
  • Premium costs can also increase differently over time.

Furthermore, the way premiums change as beneficiaries age depends on the rating method — attained-age rating or issue-age rating — used by the insurer. Some private insurers may offer Medigap policies with features that stabilize premiums over time, such as price lock-in provisions. In Colorado, there are 37 private insurers offering Medigap policies, providing a broad selection to beneficiaries seeking supplemental coverage.


Coverage Differences Between Insurers

Coverage differences between insurers can significantly impact your Medigap experience. Here are some key points to consider:

  • Coverage options and benefits among different insurers offering Medigap plans in Colorado can vary significantly, with some insurers providing a wider array of plan choices than others.
  • Private insurers may also have different service areas that impact where beneficiaries can receive coverage. Some, like Blue Cross Blue Shield, offer their Medigap plans nationwide, while others might only cover specific regions within Colorado.
  • The differentiation between Medigap policies sold by different insurance companies tends to be the cost and any additional benefits that may be included with the plan.


Assessing the Need for Extra Coverage

When it comes to healthcare, one size does not fit all. Beneficiaries in Colorado should consider how different Medigap plans vary, especially in terms of out-of-pocket yearly limits and coverage for Part B excess charges. Colorado residents must evaluate their own healthcare needs to decide the necessity and type of extra coverage suited for them by comparing the benefits of various Medigap plans.

Plans K and L provide additional coverage after beneficiaries meet out-of-pocket yearly limits and the yearly Part B deductible, subsequently covering 100% of covered services for the rest of the calendar year. To ensure comprehensive care and cover costs, it’s worth considering extra coverage for vision, dental, or hearing by evaluating the cost-benefit of separate standalone plans and analyzing how frequently services like dental check-ups or eye exams are needed.


Customizing Your Coverage

Tailoring your Medigap coverage to your unique health needs is crucial for optimal healthcare. Consulting with insurance advisors is essential for customizing a Medigap plan to suit personal health needs. Insurance advisors possess the expertise to guide individuals through selecting supplemental benefits and coverage levels.

However, customization is not just about selecting benefits. A thorough health assessment, including existing conditions and potential future health needs, should inform the customization of your Medigap plan. Based on an individual’s health assessment, advisors can help tailor Medigap plans with specific coverage options that align with their medical requirements.


Legal and Regulatory Aspects of Medigap in Colorado

Understanding the legal and regulatory aspects of Medigap in Colorado is crucial. Although there is no federal requirement for Medigap enrollment for those under 65, states like Colorado have the authority to enact their own Medigap legislation. Colorado law mandates that Medigap insurers must offer all their plans to any newly eligible Medicare beneficiary under 65 during the same six-month enrollment window provided to those turning 65.

Additionally, in Colorado, Medigap premiums can vary based on age, typically increasing as enrollees age, as most insurers use the attained-age rating method.


Understanding State Regulations

State regulations play a crucial role in shaping the landscape of Medigap policies. In Colorado, these policies are standardized and regulated by state laws. Colorado residents with Medigap are protected by the No Surprises Act and state law from certain surprise medical bills that may occur with out-of-network providers. Out-of-network providers must obtain written consent for services that could result in balance billing. Colorado law also includes provisions for reimbursement to providers for out-of-network emergency and non-emergency care, affecting insurance payments and potentially impacting patients’ out-of-pocket costs.

Furthermore, Colorado has implemented regulations to support under-65 enrollees, restricting how much more insurers can charge them and requiring insurers to offer all available Medigap plans to newly eligible Medicare beneficiaries, including those under age 65. This demonstrates a commitment to ensuring that all beneficiaries, regardless of age, can access the healthcare coverage they need.


Recent Legislative Changes

Keeping abreast of legislative changes is key in the ever-evolving world of healthcare. As of the latest updates, specific legislative changes to Medigap regulations in Colorado for the year 2025 will not be known until at least the fall season.

This likely stability is good news for beneficiaries, as it indicates that benefits, costs, and plan offerings will remain consistent, enabling beneficiaries to make informed decisions with confidence regarding coverage for the upcoming plan year.



Navigating the ins and outs of Medicare Supplement Plans can be a complex task, but with the right knowledge, it becomes manageable. In this blog post, we’ve explored the basics of Medigap plans in Colorado, delved into specific plans like Medicare Plan G, F, and N for 2025, and discussed how to navigate prescription drug coverage. We’ve also highlighted the role of private insurance companies, the additional benefits and services with Medigap plans, and the importance of customizing your coverage to meet your specific health needs.

Remember, healthcare is not a one-size-fits-all solution. Therefore, take your time to assess your needs, consult with insurance advisors, and make an informed decision about your Medigap coverage. After all, your health is your wealth!

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Frequently Asked Questions

What are the deductible details for Plan G in 2025?

The deductible for Plan G in 2025 is subject to annual adjustments. While specific dollar amounts are not provided here, it’s important to note that the high deductible version of Plan G typically has a higher deductible than the standard Plan G. For the exact deductible amount, beneficiaries should consult the latest information from Medicare or their insurance provider.


  Which Medicare Supplement insurance is most favored?

Since Plan F is no longer available to new Medicare enrollees, Plan G has become the most favored Medicare Supplement insurance. It offers comprehensive coverage and is followed by Plan N in popularity, covering a broad spectrum of medical expenses. Medicare Supplement Plan F is being phased out starting January 1, 2020, but if you currently have this plan, you can keep it as long as you want. However, if you become eligible for Medicare after January 1, 2020, you can’t purchase a Plan F.


  What are Medicare Supplement Plans?

Medicare Supplement Plans, also known as Medigap, work alongside Original Medicare to cover out-of-pocket expenses like copayments and deductibles. They are designed to fill the gaps in Original Medicare coverage.


What is the enrollment period for Medigap plans in Colorado?

Beneficiaries in Colorado have a six-month Medigap open enrollment period that begins on the first day of the month in which they are both 65 or older and enrolled in Medicare Part B. This is the time when you have guaranteed issue rights and can enroll without medical underwriting.


When Can I Switch Medigap Plans?

You have the flexibility to change Medigap policies at any point throughout the year. Nevertheless, it’s important to be aware that outside of your Open Enrollment Period, in the majority of states, approval for a new policy typically requires going through a medical underwriting process.

Speak to the Professionals about Medigap Plans and Original Medicare

If you find understanding the benefits involved with Original Medicare and Medigap Plans challenging, you’re not alone. Whether it’s a Medigap plan, or you want to know more about Medicare Supplement Plans Colorado in 2025, we can help. Call our team at 1-888-891-0229 for a free consultation or complete the contact form on this site, and an expert will call you back at a convenient time.

We have decades of experience advising our clients on the complexities of Medicare and Medigap plans, the benefits, cost and deductibles. We’ll ensure you get the best rate in your state and advice you can trust.

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