Medicare Frequently Asked Questions (FAQ)

Use this Medicare FAQ to find quick answers to commonly asked Medicare questions.

Q:  How can I contact a live person to answer my questions?

A:  You can reach a friendly, RMHP Customer Service Representative by calling 8 a.m. to 8 p.m., Mountain Time, (from October 1 - February 14, 7 days per week; from February 15 - September 30, M-F) at 888-282-1420 (TTY:711).  Para asistencia en español llame al 888-282-1420.

Want more information? Fill out our online information request form 

An RMHP Medicare Salesperson will contact you with the information you need.

Q: How do I know if my doctors are covered on your plan?

  Access our Provider Directory and enter your doctor’s name to see if they are covered. Or you can reach RMHP Customer Service by calling 888-282-1420 (TTY: 711), 8:00 a.m. to 8:00 p.m., Mountain Time, from October 1 - February 14, 7 days per week; from February 15 - September 30, M-F. Para asistencia en español llame al 888-282-1420.

Q:  How do I decide which Medicare Cost plan is right for me?

A:  Consider your monthly premium budget, the prescription drugs you take, and how often you see your primary care physician and specialists. A RMHP Medicare Salesperson is available to help you to understand the differences between the plans and help determine which plan is best for you.  888-251-1330 (TTY: 711), 8:00 a.m. to 8:00 p.m., Mountain Time, from October 1 - February 14, 7 days per week; from February 15 - September 30, M-F. Para asistencia en español llame al 888-251-1330.   Additionally, consider attending a free RMHP Medicare Cost Plan Presentation in your area.  Finally, we can also refer you to outside insurance counseling, through the Colorado Division of Insurance, Senior Health Insurance Assistance Program (1-800-886-7675) and the Medicare Ombudsman Office (1-800-288-1376), who can help you free of charge. Review our plans.

Q:  Aren't all Medicare plans the same?

A:  No, there are different types of coverage plans available to Medicare beneficiaries, in addition to Original Medicare.

RMHP has had a Medicare Cost contract since 1977.  Our plans not only provide all services covered by Medicare Part A and Part B, but also offer additional coverage and benefits. For instance, we offer plans that cover benefits such as an annual routine physical, Medicare Part D prescription drugs, Care Management services, hearing aids and more. (The coverage costs for these benefits vary among plans.) This can provide substantial plan premium savings  as you would not need additional supplemental insurance coverage that comes with its own monthly premiums and copays. RMHP Cost plans are not available in Baca County.


Medicare Cost 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 unless the services are for Emergency or Urgent care needs or you have requested and been granted a Prior Authorization through the plan. However, Medicare will continue to pay for its share of the charges it approves, and you would pay Original Medicare deductibles and coinsurance for Medicare covered services.  This is similar to a PPO plan with Out-of-network coverage at 80/20 coinsurance.  

Medicare Supplement 

Medicare Supplement plans-referred to as MEDIGAP plans were designed to cover the deductibles and coinsurance of Original Medicare.  These are the oldest types of coverage options and are based on the Medicare Fee-for-Service payment system.  The plans available today have standardized benefits structures and are sold by a letter of the alphabet like, D,F,G,K and N.  The premiums for this coverage are usually based on person’s age and will increase with age.  Most Medigap plans cover the Part B -20% coinsurance and add an additional 365 days of Part A- In-Patient Hospital benefits, per occurrence.  The difference in the plans available is that some cover the Part A deductible and or the Part B deductible.  Some plans also include worldwide coverage and one offers a co-pay for the Emergency Room.  There is no network restriction with these Medicare Supplement “Medigap” plans.  You can use any doctor that will see you and bill Original Medicare first.  The supplement plan pays after Medicare has processed the claim to the “Medicare Approved amount” for that service and has paid first (80%).  There are no additional services beyond the payment of the allowable charges included in these types of plans.  


Medicare Advantage Plans

Another option is 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 Colorado you live in, you have a choice of at least four plans. You can reach a friendly, knowledgeable RMHP Medicare Salesperson by calling 888-251-1330 (TTY: 711)  8:00 a.m. to 8:00 p.m., Mountain Time, from October 1 - February 14, 7 days per week; from February 15 - September 30, M-F.  Para asistencia en español llame al 888-251-1330.

Q:  What is Medicare Part D?

A:  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. Learn more about Medicare Part D coverage.

Q:  Does Rocky Mountain Health Plans provide Medicare Part D benefits?

A:  Yes. RMHP provides the Medicare Part D benefit option in its Green, Thrifty, Standard, and Plus Cost plans. Learn more about our Medicare Cost plans that include Part D prescription drug coverage


Q:  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 and do not have other qualifying drug coverage. 

Q:  How can I make sure I am choosing the right Medicare Part D plan?

A:  Make a list of the drugs you take regularly, including:

  • The names of the drugs and their dosage (how many milligrams)
  • How much it costs to refill each prescription
  • How many times a year you refill each prescription

Next, contact a friendly Rocky Mountain Medicare Salesperson to help you determine the best plan for your needs. Call 888-251-1330 (TTY: 711) to be connected with a licensed RMHP Medicare Salesperson 8:00 a.m. to 8:00 p.m., Mountain Time, from October 1 - February 14, 7 days per week; from February 15 - September 30, M-F.  Para asistencia en español llame al 888-251-1330. Medicare also provides a Part D plan finder. By clicking on this link, you will be leaving the RMHP site.

Keep your drug list handy so you can compare plans every year.

Q:  Is Rocky Mountain Health Plans a new insurance company offering coverage to Medicare beneficiaries?

A:  No.  RMHP has had a Medicare contract since 1977 and provides coverage to Colorado Medicare beneficiaries in every Colorado county except Baca. 


Q:  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?

Review the 2016 Summary of Benefits for RMHP's AB Basic Plan (Cost)
Review 2016 AB Basic Plan (Cost) Evidence of Coverage.

Review the 2017 Summary of Benefits for the Rocky Mountain Basic Plan (Cost)
Review 2017 Rocky Mountain Basic Plan (Cost) Evidence of Coverage.

  Do you have any plans available if I have Medicare Part B only?

A:  Yes. 

Review the 2017 Summary of Benefits for RMHP's B Basic Plan (Cost) and B Standard Plan (Cost).
Review the 2017 Evidence of Coverage for the B Basic Plan (Cost).
Review the 2017 Evidence of Coverage for the B Standard Plan (Cost).  

Q: What if I have questions not covered in this Medicare FAQ?

A: An RMHP Medicare Salesperson is waiting to help.  Call  8:00 a.m. to 8:00 p.m., Mountain Time, from October 1 - February 14, 7 days per week; from February 15 - September 30, M-F at 888-251-1330 (TTY: 711). Para asistencia en español llame al 888-251-1330.

This information is available for free in other languages. Please call our Customer Service number at 888-282-1420 (TTY dial 711). Hours are 8am - 8pm, 7 days/week, Oct. 1–Feb.14, and 8am - 8pm, M-F, Feb.15–Sept.30. Esta información está disponible gratuitamente en otros idiomas. Por favor llame a la línea de Atención a Clientes, al 888-282-1420 (TTY marque 711). Horario  de 8am - 8pm, 7 días a la semana, del 1 de octubre al 14 de febrero; y de 8am - 8pm, de lunes a viernes, del 15 de febrero al 30 de septiembre.

This page was last updated: 10/01/2016.  Please call to confirm you have the most up to date information about our Medicare Cost plans. Medicare Disclaimers

RMHP is a Medicare-approved Cost plan. Enrollment in RMHP depends on contract renewal. H0602_MS_MC500WEB_RMHP1 Pending CMS Review.