Medicare Frequently Asked Questions
How can I contact a live person to answer my questions?
You can reach a friendly Colorado RMHP Medicare Specialist by dialing:
888-251-1330 to be connected with a licensed Medicare Sales Specialist
TTY: 711
8:00 a.m. to 8:00 p.m., Mountain Time, 7 days a week
You can also fill out our online information request form and an RMHP Medicare Specialist will contact you.
How do I know if my doctors are covered on your plan?
You can check online by accessing our Provider Directory through the Provider Directory page. Once you have accessed the Provider Directory you are able to type in the name of your doctors to see if they are covered. Or you can reach a friendly Medicare Colorado Specialist by dialing:
888-251-1330 to be connected with a licensed Medicare Sales Specialist
TTY: 711
8:00 a.m. to 8:00 p.m., Mountain Time, 7 days a week
Para asistencia en español llame al 888-282-1420
How do I decide which plan is right for me?
Consider your monthly premium budget, the prescription drugs you take, and how often you see your primary care physician and specialists. Our RMHP Medicare Specialists are available to help you to understand the differences between the plans and which plan makes sense for you. We can also refer you to outside insurance counseling, through the Colorado Division of Insurance and the Medicare Ombudsman Office, who can help you free of charge.
Aren't all Medicare plans the same?
No, there are different types of coverage available to Medicare beneficiaries, in addition to Original Medicare.
A Cost-Saving Alternative
An option to help you save money and get the care you need is through a Medicare plan like Rocky Mountain Health Plans (RMHP), a health plan with a Medicare Cost contract since 1977.
RMHP Medicare Cost plans not only provide all services covered by Medicare Part A and Part B, but also offer additional coverage and benefits. For instance Rocky Mountain Health Plans has plan options that cover benefits such as preventive care, Medicare Part D prescription drugs, and more. (The coverage costs for these benefits vary among plans.) This can provide substantial savings as you may not need additional supplemental insurance coverage that comes with its own monthly premiums and copays.
Medicare Supplement Plans (Medigap)
While Medicare is a government program, Medicare supplement policies (Medigap) are offered by private insurance companies. Some supplemental policies will pay most or all of the Medicare coinsurance amounts. Some plans may also cover Medicare's deductibles. Certain plans will also pay for preventive care and emergency medical care in a foreign country. RMHP offers A, C, F, G, and N Medicare Supplement (Medigap) plans.
A big advantage of Rocky Mountain Health Plans Medicare Cost Plans is that you do not need a referral to see a specialist doctor and you can choose from an extensive network of doctors, specialists, and hospitals. Even doctors who do not accept new Medicare patients often accept new RMHP Medicare patients. You also have the option to see any doctor outside of our network for Medicare-covered services. These services may not be covered by Rocky Mountain Health Plans outside our network. However, Medicare will continue to pay for its share of charges it approves, and you would pay Original Medicare deductibles and coinsurance for Medicare covered services.
Medicare Advantage Plans
Another option is to choose a Medicare Advantage plan. These plans provide care under contracts with the Centers for Medicare & Medicaid Services (CMS). They may offer such services as coordination of care or reducing out-of-pocket expenses. Some plans may offer additional benefits, such as coverage for prescription drugs. However, in many cases you must see only the plan’s contracted doctors, specialists, and hospitals for all your health care needs. RMHP does not offer Medicare Advantage plans.
Call Rocky Mountain Health Plans now for help in deciding which plan is right for you. No matter which region of the state you live in, you have a choice of at least four plans. You can reach a friendly Medicare Specialist by dialing:
888-251-1330 to be connected with a licensed Medicare Sales Specialist
TTY: 711
8:00 a.m. to 8:00 p.m., Mountain Time, 7 days a week
Para asistencia en español llame al 888-282-1420
What is Medicare Part D?
Medicare Part D is a prescription drug benefit plan that is available to all Medicare beneficiaries with a wide range of plan and benefit options. Your premiums, copays, and other out-of-pocket expenses will vary according to the plan you choose. Click to learn more about Medicare Part D coverage.
Does Rocky Mountain Health Plans provide Medicare Part D benefits?
RMHP provides the Medicare Part D benefit in its Green, Thrifty, Standard, and Plus Cost plans.
Please click here to learn more about our Medicare plans that include Part D prescription drug coverage.
If I have Medicare, do I have to sign up for Medicare Part D?
RMHP Medicare Part D plans are open to all people eligible for Medicare and enrollment is voluntary. But you should be aware that the longer you wait to participate in Medicare Part D, the more expensive the premium will be. The monthly premium will increase by about 1 percent each month that you delay your enrollment in a Medicare Part D plan.
How can I make sure I am choosing the right Medicare Part D plan?
You can make a list of the drugs you take regularly.
• List the names of the drugs and their dosage (how many milligrams)
• List how much it costs to refill each prescription
• List how many times a year you refill each prescription
• Keep these lists so you can compare plans each year
A friendly RMHP Medicare Specialist is available to help you:
888-251-1330 to be connected with a licensed Medicare Sales Specialist
TTY: 711
8:00 a.m. to 8:00 p.m., Mountain Time, 7 days a week
Para asistencia en español llame al 888-282-1420
Is Rocky Mountain Health Plans a new insurance company offering coverage to Medicare beneficiaries?
No. Rocky Mountain Health Plans has had a Medicare contract since 1977 and provides coverage to Colorado Medicare beneficiaries in every county except Baca (Medicare Supplement (Medigap) coverage is available in Baca county). So we've been around quite a long time!
What if I am eligible for both Medicare Part A and Medicare Part B, and I want a plan that covers only the basic Medicare benefits?
Click here to see the 2012 Summary of Benefits for RMHP's AB Basic Plan (Cost). (Coming Soon)
Click here to see the 2012 Evidence of Coverage for the AB Basic Plan (Cost). (Coming Soon)
2011 Benefits:
For information on the 2011 Summary of Benefits for RMHP's AB Basic Plan (Cost), click here.
For information on the 2011 AB Basic Plan (Cost) Evidence of Coverage, click here.
Do you have any plans available if I have Medicare Part B only?
Yes. Click here to see the 2012 Summary of Benefits for RMHP's B Basic Plan (Cost) and B Standard Plan (Cost). (Coming Soon)
Click here to see the 2012 Evidence of Coverage for the B Basic Plan (Cost). (Coming Soon)
Click here to see the 2012 Evidence of Coverage for the B Standard Plan (Cost). (Coming Soon)
2011 Benefits:
For information on the 2011 Summary of Benefits for RMHP's B Basic Plan (Cost) and B Standard Plan (Cost), click here.
For information on the 2011 Evidence of Coverage, click the link below:
B Basic Plan (Cost)
B Standard Plan (Cost)
Additional Resources for Medicare Beneficiaries
(By clicking on these links, you will be leaving the RMHP website)
Centers for Medicare & Medicaid Services (CMS)
Colorado Gerontological Society
303-333-3482
Social Security Administration
800-772-1213, TTY: 800-325-0778
Weekdays, 7:00 a.m. 7:00 p.m.
Medicare Choices Helpline
800-MEDICARE (800-633-4227), TTY: 877-486-2048
24 hours per day, 7 days per week
Statewide Senior Health Insurance Assistance Program (SHIP office):
888-696-7213 (statewide), TTY: 711
Weekdays, 8:00 a.m. - 5:00 p.m.
Leapfrog Group Hospital Quality and Safety Survey Results
Information is current as of 10/01/11. Please call to confirm you have the most up to date information about our Medicare Plans. Full list of Medicare Disclaimers.
Medicare-approved Cost plan. H0602_1037024 MC150WEB Pending Approval
