Fort Collins, CO · Independent brokersIndependent Medicare & health insurance brokers · Fort Collins, Colorado
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Every article here is about Medicare. They exist because we got the same question three times in a week — no listicles, no scare tactics.
Most read · Colorado alert
A canceled Advantage plan opens the one door into Medigap that Colorado otherwise keeps shut. The window is six months, not 63 days, and the letter is the proof you need to walk through it.
Tina Price · August 17, 2026 · 3 min read
Medicare
Several states let you switch Medigap plans once a year with no health questions. Colorado is not one of them, and the advice written for those states will cost you here.
Tina Price · 3 min read
Medicare
Usually less than you think, and the exceptions are expensive. The number that decides it is one most people never think to ask about.
Tina Price · 2 min read
Enrollment deadlines
Your Initial Enrollment Period is not the seven months after your birthday. Which month you sign up in changes when coverage starts, sometimes by more than you planned for.
Tina Price · 2 min read
Costs & subsidies
Same plan, same doctors, different Part B bill. It is usually IRMAA, it is based on a tax return from two years ago, and sometimes it is fixable.
Tina Price · 2 min read
Costs & subsidies
Part D has an annual out-of-pocket cap. Once you hit it, covered drugs cost you nothing for the rest of the year — and a lot of people it applies to have not heard.
Lexi Abbott · 3 min read
Enrollment deadlines
A second window runs January 1 to March 31 for people already on a Medicare Advantage plan. It is genuinely useful, and there is a catch on the way back to Medigap.
Tina Price · 2 min read
Medicare
If you have both, or nearly qualify for both, there is assistance with premiums and prescription costs that a lot of people never apply for.
Lexi Abbott · 2 min read
We publish when a deadline is coming or a rule changes in Colorado — not on a schedule.
