Grand Junction, Fruita, Delta, Colorado Medicare Supplements and Advantage Plans

The best time to check into Medicare Supplements (Medigap) is before you are eligible for Medicare. If you are nearing age 65, the choices you make now can help you in the future. But choosing the correct supplemental insurance to meet your needs can be confusing and overwhelming. Fortunately, our trained agents are committed to helping you sort though all the options available.

Everyone 65 and older is entitled to the basic Medicare coverage, but typically it only covers about 64 percent of the annual health-care costs. Added to the expense not covered by Medicare, there are deductibles, co-payments, and coinsurance to pay. This is why many choose Medicare Supplements and at Bird Family Insurance Agency, Inc, we can assist you in your Colorado insurance coverages.

Medicare Supplements Options in Grand Junction, Colorado

Both Medicare Part A and Part B were designed to help retirees with their Colorado health insurance. If you choose to add Medicare Part B, it is wise to add your supplements within the first 6 months. During this time the Medigap program must accept you and any preexisting conditions, known as "guaranteed issue rights". In most cases, as long as you continue paying the premiums you cannot be cancelled. After the 6 months, if you decide you want a supplement policy, you can be turned down for pre-existing conditions such as diabetes, heart disease, or cancer.

Colorado Medicare Supplemental Health Insurance has a wide variety of plans and is organized alphabetically with each plan designated with a single letter. Plans are designed to help with the cost of deductibles, co-payments, and coinsurance. Some plans offer prescription, vision, or dental coverage. The different plans offer the flexibility of choosing your own doctors and hospitals that accept Medicare patients and specialists, without referrals. You have the freedom to travel and take your coverage with you anywhere in the United States.

Rates for Medicare Supplements can vary greatly between different carriers and are usually based on age, location, gender, and health. You don't have to sort through this alone, our agents at Bird Family Insurance Agency, Inc are committed to searching for the best rates and coverage which are affordable and meet all your needs.

Medicare  Advantage Plans in Grand Junction, Colorado

Mesa County has new options for Medicare Advantage (MA) plans beginning in January of 2020.   Aetna, Anthem Blue Cross Blue Shield, and Humana all have Medicare Advantage plans in Mesa County.  Medicare Advantage plans in Colorado and Mesa county are sometimes referred to as Part C.  They are offered by private companies who have been approved by Medicare.  If you join a Medicare Advantage plan, the plan will provide all of your Part A (Hospital Insurance) And Part B (Medical Insurance) coverage.  MA plans can also offer extra coverage, like dental, hearing, vision, and some health and wellness programs.  Most of these plans include prescription drug coverage (Part D)

The Medicare Advantage plans in Mesa County come in HMO or PPO form, and can have varying out of pocket costs for monthly premiums, and charges to see doctors and specialists based on whether they are "in-network" or "Out-of-Network".  

All of the Medicare options can be a little overwhelming, but you are not alone.  The agents at Bird Family Insurance Agency, Inc can help you navigate the options and costs of each type of plan or package.  We believe that education of the product is the most important aspect, and look forward to helping answer any questions you may have.