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Know the Types of Medicare

Know the Types of Medicare

There are different types of Medicare health plans available. The charts below provide details for each.

  • Medicare Cost Plans

    • Provides all services covered by Medicare Parts A & B, as well as additional coverage and services
    • Excellent access to care through an extensive provider network
    • Worldwide emergency and urgent care are available
    • No referrals are required
    • Out-of-network benefits are retained through Original Medicare
    • May include preventive care and care management
    • Hearing aid coverage and access to health club facilities included on select plans
    Read about our Medicare Cost Plans
  • Medicare Advantage Plans

    • Includes Dual Special Needs Plans (D-SNP), like RMHP DualCare Plus, for individuals eligible for both Medicare and Medicaid
    • Replaces Original Medicare coverage
    • Care offered through providers contracted with the Medicare Advantage plan
    • Possible access limitations, and referrals may be required
    • Referrals often required
    • Some plans have $0 premiums
    • Out-of-network care typically not allowed unless in emergency situations
    • May offer services such as coordination of care or reducing out-of-pocket expenses
    Read about RMHP DualCare
  • Medigap Plans

    • Designed to cover the deductibles and coinsurance of Original Medicare
    • Oldest type of coverage options, based on the Medicare Fee-for-Service payment system
    • Most plans cover the Part B 20% coinsurance and add an additional 365 days of Part A In-Patient Hospital benefits, per occurrence
    • Often have higher premiums that may increase as you age
    • No network of providers
    • Standard benefit design with no extras offered
    • Services limited to claim payment
    • Providers bill Medicare first
 

Medicare Disclaimer

This page was last updated: 10/01/2019. Please call to confirm you have the most up to date information about our Medicare plans.

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Important Disclaimers: RMHP is a Medicare-approved Cost plan. Enrollment in RMHP depends on contract renewal. 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. Other pharmacies, physicians, providers are available in our network. For a complete list of available plans please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult http://www.medicare.gov.   Every year, Medicare evaluates plans based on a 5-star rating system.  If you need help finding a network provider, please call 888-282-1420 (TTY 711) or visit www.rmhpMedicare.org to access our online searchable directory. If you would like a provider directory mailed to you, you may call the number above, request one at the website link provided above, or email customer_service@RMHP.org

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Since 1977, Colorado retirees like you have trusted RMHP to get the most out of their Medicare benefits. Enjoy local customer service, a wide variety of services, and a large provider network by choosing RMHP.

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