Choosing the Medicare plan that’s right for you can be confusing, but Rocky Mountain Health Plans (RMHP) is here to help.
Here’s some important information that Coloradans like you should know about choosing your Medicare coverage, enrolling in a plan, and more.
To begin, make sure you’re eligible to receive Medicare benefits. If you’re not sure, or if you have questions about eligibility, review our introduction to Medicare. Here, you’ll find helpful information about Medicare eligibility and what you need to do once you become eligible.
Enrollment in Original Medicare (Parts A and B) may or may not be automatic, depending on your situation. You will be automatically enrolled in Original Medicare if you’re receiving Social Security or Railroad Retirement Board benefits when you turn 65, or if you have a disability or medical condition that qualifies. If neither of these circumstances apply for you, you will need to enroll during your Initial Enrollment Period (IEP). You can enroll in Part A, Part B, or both. You don’t have to enroll in Part B right away, because you’ll be charged a premium. Just remember that if you choose to wait to enroll in Part B, you’ll be charged a late enrollment penalty, and Part B coverage will cost you more.
There are three ways you can enroll yourself in Original Medicare:
Once you’re enrolled in Part A and Part B, or Part B only, you can apply for plans that offer additional coverage beyond Original Medicare. Here are important enrollment periods to remember if you need to select a plan or make changes:
Annual Enrollment Period: The Annual Enrollment Period (AEP) is from October 15 through December 7 every year. Plan benefits are made public on October 1 — that’s when mailings will be sent, and you’ll be able to review plan information on health insurance websites.During the AEP, Medicare beneficiaries may enroll in Medicare Part D (if they didn't sign up during their IEP), change a prescription drug plan, add or change Medicare plans, or return to original Medicare. Any changes will take effect on January 1.
General Enrollment Period: The General Enrollment Period applies to Medicare A and B and is for anyone who did not enroll during their Initial Enrollment Period (IEP) and didn’t qualify for the Special Enrollment Period (SEP). You can enroll from January 1 through March 31 for Parts A and B with coverage effective in July.
If you have cancelled previous Medicare coverage, this enrollment period also applies.
Medicare plans aren’t one-size-fits-all, so you want to make sure you choose the coverage that works for you. Begin comparing plans as soon as information is made available, and make note of important dates.
Each year, Medicare enrollees will receive an Annual Notice of Change if their plan makes changes to benefits, too, so you’ll know if you need to find a different plan that offers those benefits important to you.
Questions you should ask yourself when looking for a plan include:
RMHP offers Medicare plans in Archuleta, Delta, Eagle, Garfield, Gunnison, La Plata, Mesa, Moffat, Montezuma, Montrose, Pitkin, Rio Blanco, Routt and Summit counties.
Medicare Advantage (Part C) plans include benefits that go beyond Original Medicare. New for 2021 are RMHP CareAdvantage plans that offer these benefits for monthly premiums as low as $0:
RMHP also offers our RMHP DualCare Plus plan for eligible individuals who have both Medicare and Medicaid. This plan is a Dual Special Needs Plan and includes:
We’re here to help! Here’s how you can enroll in an RMHP Medicare Advantage or Dual Special Needs Plan.
Remember, you’re not alone on your Medicare journey. If you still have questions about finding the Medicare plan that’s right for your Colorado lifestyle, contact us.
Plans are insured through UnitedHealthcare Insurance Company or one of its affiliated companies, a Medicare Advantage organization with a Medicare contract and a contract with the State Medicaid Program. Enrollment in the plan depends on the plan's contract renewal with Medicare.