The Best Medicare Supplement (Medigap) Plans in Colorado

Christian Worstell
In this article...
  • Before signing up for Medigap in Colorado, read our review of Medicare Supplement plans in the state. We have tips on finding the best Colorado Medigap plan for your needs.

Medicare Supplement Insurance, commonly called Medigap, is an optional add-on to Original Medicare. Over 232,000 Colorado residents, or 45% of those receiving Medicare benefits in the state, are enrolled in these private insurance plans.

Medigap works alongside your Medicare coverage and pays for costs not covered by the government's health plan. This includes deductibles and copays for hospital care, physician services, diagnostic tests and treatments. We've put together a review of Medigap plans in Colorado to help you understand how this health insurance works and ensure you get the best coverage for your budget and needs.

Have Medicare questions?

Talk to a licensed agent today to find a plan that fits your needs.

What Are the Best Colorado Medicare Supplement Plans?

Insurance companies sell 10 different types of Medigap plans in Colorado, ranging from basic policies (Plan A) to more robust coverage (Plans F and G). This gives you the ability to find the right combination of benefits to meet your health needs.

Medicare Supplement Insurance Plans 2024
Medicare Supplement Benefits A B C1 D F1 G K L M N
Part A coinsurance and hospital costs
Part B coinsurance or copayment 50% 75%
First 3 pints of blood 50% 75%
Part A hospice care co-insurance or co-payment 50% 75%
Co-insurance for skilled nursing facility     50% 75%
Medicare Part A deductible   50% 75% 50%
Medicare Part B deductible                
Medicare Part B excess charges                
Foreign travel emergency     80% 80% 80% 80%     80% 80%
1. Plans C and F are not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020.
2. Plans F and G also offer a high deductible plan which has an annual deductible of $2,800 in 2024. Once the annual deductible is met, the plan pays 100% of covered services for the rest of the year. The high deductible Plan F is not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020.
3. Plan K has an out-of-pocket yearly limit of $7,060 in 2024. Plan L has an out-of-pocket yearly limit of $3,530 in 2024.
4. Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 for emergency room visits that don’t result in an inpatient admission.
View an image version of this table.

The most common benefits include:

  • Deductibles: Most Medigap plans in Colorado, except Plan A, cover the Medicare Part A deductible. This is the amount you spend on hospital costs before Medicare pays its share. Only Plans C and F cover the Part B deductible, but these are no longer sold to those eligible for Medicare after January 1, 2020.

  • Coinsurance: Coinsurance is the portion you pay for services after you've met your Part A or B deductible. Most Colorado Medigap plans cover Part A coinsurance for hospital and hospice care and Part B medical coinsurance. Plan N covers 100% of Part B coinsurance, except for a few situations, such as emergency room visits that don't require you to be admitted as an inpatient.

  • Foreign travel: Some plans, including Plans F, G and N, pay for emergency care if you're out of the country.

All plans in the same letter category provide the same coverage. Once you've selected the type of Medigap plan you need, you can see which insurance companies sell that particular plan in Colorado and compare the premiums and discounts offered.

Have Medicare questions?

Talk to a licensed agent today to find a plan that fits your needs.

How Do I Enroll in a Colorado Medigap Plan?

Seniors who are 65 and over have a six-month Medigap open enrollment period once they're signed up for Medicare Part B. This timing is important as you only get this window once. During this time frame, you can enroll in any Medigap plan sold in Colorado. Insurance companies can't deny you coverage or change your premiums based on your health. The plans are guaranteed renewable as long as you pay your premiums and maintain your coverage.

In some cases, you may not need Medigap right away because you're enrolled in Medicare Part C or have coverage through work. If this coverage ends, you may still have guaranteed issue rights to enroll in Medigap for 63 days. 

On rare occasions, for example, your insurance provider may go bankrupt or leave Medicare. You might also move out of your Medicare Advantage service area or decide, within a year, that the Part C plan isn’t meeting your needs and that you want to return to Original Medicare. In these scenarios, guaranteed issue rights let you enroll in any Medigap policy without an insurer underwriting the policy.

  1. AHIP. (Feb. 2023). The Sate of Medicare Supplement Coverage Trends in Enrollment and Demographics.

Christian Worstell
About the Author

Christian Worstell is a senior Medicare and health insurance writer with He is also a licensed health insurance agent. Christian is well-known in the insurance industry for the thousands of educational articles he’s written, helping Americans better understand their health insurance and Medicare coverage.

Christian’s work as a Medicare expert has appeared in several top-tier and trade news outlets including Forbes, MarketWatch, WebMD and Yahoo! Finance.

While at HelpAdvisor, Christian has written hundreds of articles that teach Medicare beneficiaries the best practices for navigating Medicare. His articles are read by thousands of older Americans each month. By better understanding their health care coverage, readers may hopefully learn how to limit their out-of-pocket Medicare spending and access quality medical care.

Christian’s passion for his role stems from his desire to make a difference in the senior community. He strongly believes that the more beneficiaries know about their Medicare coverage, the better their overall health and wellness is as a result.

A current resident of Raleigh, Christian is a graduate of Shippensburg University with a bachelor’s degree in journalism. You can find Christian’s most recent articles in our blog.

If you’re a member of the media looking to connect with Christian, please don’t hesitate to email our public relations team at

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