Medicare

Medicare is a health insurance program for people 65 and some people under age 65 with qualifying disabilities or people any age with end-stage renal disease. you must apply for Medicare benefits the month before you turn 65. If you do not apply or have other qualifying health insurance coverage, penalties may apply when/if you do apply for Medicare benefits.

Medicare DOES NOT Pay for the cost of long term nursing home care, assisted living home care, or long-term in-home care.


What are the different parts of Medicare?

Medicare Part A (Hospital Insurance) helps cover:

  • Inpatient care in hospitals
  • Skilled nursing facility care
  • Hospice care
  • Home health care

Medicare Part B (Medical Insurance) helps cover:

  • Services from doctors and other health care providers
  • Outpatient care
  • Home health care
  • Durable medical equipment
  • Some preventative services

Medicare Part C (Medicare Advantage):

  • Run by Medicare-approved private insurance companies
  • Includes all benefits and services covered under Part A and Part B
  • Usually includes Medicare prescription drug coverage (Part D) as part of the plan
  • May include extra benefits and services for an extra cost.

Medicare Part D (Medicare prescription drug coverage):

  • Run by Medicare-approved private insurance companies
  • Helps cover the cost of prescription drugs
  • May help lower your prescription drug costs and help protect against higher future costs
  • Open enrollment for Medicare Part D starts October 15 and ends December 7 annually. Any changes made during open enrollment are effective on January 1 of the following year.

If you’re under 65 and disabled, you’ll automatically get Part A and Part B after you receive disability benefits from Social Security for 24 months.

To view, download or print "Medicare & You 2016" in PDF format, please click here. 

The Senior Health Insurance Assistance Program (SHIP), within the Colorado Division of Insurance, helps people enrolled in Medicare with questions about health insurance. Consumers may contact their regional community program by calling (888) 696-7213 toll-free or clicking here.

The Denver regional affiliate can be accessed statewide by calling (800) 544-9181 toll-free or (303) 899-5151.

 
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