Looking for Medicare help in Fort Collins? AEP is over, but your work isn't done. Use our 2026 checklist to review Urgent Care coverage, check your network, and finalize your health insurance plan.

Wondering about dental coverage with Medicare? Our 2026 guide explains your options, from Medicare Advantage plans to standalone dental insurance.

Don't let high deductibles or unexpected illness wipe out your savings. Learn how ancillary plans provide a direct cash benefit to cover costs and access the specialized care you need.

Navigate the Medicare maze with our guide on Medigap vs Medicare Advantage. Discover cost differences, coverage benefits, and make informed health insurance choices.

Deciding between HMO vs PPO? Explore this guide to understand their differences in terms of costs, flexibility, and coverage, helping you choose the right plan.

SNP Benefits and Features SNPs offer several features that differentiate them from standard Medicare Advantage Plans: Customized Benefits: SNPs may include services like case management, disease-specific education, and access to specialists aligned with the member’s condition. Coordinated Care: Members are typically assigned a care coordinator to help manage treatments, medications, and appointments across multiple providers. Integrated Services: Especially in D-SNPs, plans often integrate Medicare and Medicaid services, which can simplify care in some areas. Prescription Drug Coverage: All SNPs must provide Medicare Part D coverage with formularies designed to meet the medical needs of their member population. When is Enrollment for an SNP? Enrollment in an SNP can occur during standard Medicare enrollment periods: Initial Enrollment Period (IEP) Annual Enrollment Period (AEP): October 15 to December 7 each year Open Enrollment Period (OEP): January 1 to March 31 (for those already enrolled in a Medicare Advantage plan) Special Enrollment Periods (SEPs) may also apply. For example, individuals who newly qualify for Medicaid or are diagnosed with a chronic condition that makes them eligible for a C-SNP may be able to join an SNP outside of the standard periods. Not all SNPs are available in every region. Plan offerings vary by county and state, and each plan has its own list of covered services and provider networks. It is important to compare available plans to determine whether a specific SNP meets your healthcare needs and eligibility. Contact one of our licensed insurance agents today for more information about SNPs or to see if a SNP could benefit you or any questions regarding Medicare Advantage Plans. We do not offer every plan available in your area. Currently, we represent 7 organizations that offer 58 products in your area. Please contact Medicare.gov , 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options. Not connected with or endorsed by the U.S. government or the federal Medicare program.

When considering a Medicare Advantage (MA) plan, one of the most important factors to evaluate is the network type . Your Medicare Advantage network type determines which doctors, hospitals, and specialists you’ll be able to visit— and how much you’ll pay for healthcare services. In order to choose the right plan, you’ll need to understand how these networks operate, what their benefits are, and any limitations. Understanding Medicare Advantage Network Types While you can always reach out to one of our insurance experts for help navigating Medicare Advantage Networks, here’s a basic breakdown of the various Medicare Advantage network types. 1. Health Maintenance Organization (HMO) Plans HMO plans are among the most common Medicare Advantage plans. They emphasize cost control and coordination of care. Key Features: Network Restrictions: You must use healthcare providers within the plan’s network except for emergencies. Primary Care Physician (PCP) Requirement: Most HMO plans require you to select a PCP who will coordinate your care. Referrals Needed: If you need to see a specialist, your PCP must provide a referral. Lower Costs: Since care is coordinated and limited to a specific network, HMOs typically have lower premiums and out-of-pocket costs. Who Should Consider an HMO? Individuals who don’t mind having a PCP manage their healthcare. Those looking for lower costs and predictable copayments. People who are comfortable sticking to a specific network of providers. 2. Preferred Provider Organization (PPO) Plans PPO plans offer more flexibility in choosing healthcare providers compared to HMOs. Key Features: Flexible Network Options: You can see both in-network and out-of-network providers, though out-of-network care costs more. No PCP Requirement: You don’t need to designate a primary care physician. No Referrals Needed: You can visit specialists without a referral. Higher Costs: Monthly premiums and out-of-pocket costs tend to be higher than those of HMO plans. Who Should Consider a PPO? Those who want the freedom to see any doctor or specialist without referrals. Individuals who travel frequently or live in multiple states. People who are willing to pay more for flexibility in choosing providers. 3. Private Fee-for-Service (PFFS) Plans PFFS plans offer greater provider flexibility, but they operate differently from HMOs and PPOs. Key Features: No Network Restrictions (Sometimes): Some PFFS plans allow you to see any provider who accepts the plan’s terms, while others have networks. No PCP or Referral Requirements: You can see specialists directly without needing a referral. Provider Participation May Vary: Healthcare providers can choose on a case-by-case basis whether to accept the plan’s payment terms. Who Should Consider a PFFS? Individuals who want flexibility but don’t mind confirming provider acceptance before each visit. Those living in areas with limited HMO or PPO options. People who prefer not having to coordinate care through a PCP. 4. Special Needs Plans (SNPs) SNPs are tailored to individuals with specific health conditions, financial situations, or institutional care needs. Key Features: Targeted Care Coordination: These plans are designed for specific groups, such as individuals with chronic illnesses, those eligible for both Medicare and Medicaid, or those living in nursing homes. Network Restrictions: Most SNPs function like HMOs, requiring members to stay within a network. Specialized Services: Plans may offer extra benefits tailored to the enrollee’s health condition. Who Should Consider an SNP? Individuals with chronic diseases (such as diabetes or heart disease). Those eligible for both Medicare and Medicaid. People who require institutional care (such as nursing home residents). 5. Medicare Medical Savings Account (MSA) Plans MSA plans combine a high-deductible health plan with a savings account that can be used for medical expenses. Key Features: No Network Restrictions: You can see any Medicare-approved provider. Savings Account for Healthcare Costs: Medicare deposits money into your account to help pay for out-of-pocket medical expenses. High Deductible: You must pay for medical services out-of-pocket until you reach the plan’s high deductible. Who Should Consider an MSA? Individuals who want full control over their healthcare spending. Those comfortable managing a high-deductible plan. People looking for a tax-advantaged way to save for medical expenses. How to Choose the Right Medicare Advantage Network Type Selecting the best Medicare Advantage network type depends on several factors: Budget: If you want lower premiums and predictable costs, an HMO may be the best choice. If you’re willing to pay higher premiums for flexibility, a PPO could be better. Provider Access: If you have preferred doctors or specialists you don’t want to switch from, check if they’re in-network for an HMO or covered at a reasonable cost under a PPO. Health Conditions: If you have chronic conditions, an SNP may provide specialized care that fits your needs. Flexibility Needs: If you travel often or need nationwide coverage, a PPO, PFFS, or MSA plan may be a better fit. If you want to get the most out of your health care coverage, minimize costs, and find the right health coverage for your unique circumstances, you must understand the difference between Medicare Advantage network types. Whether you prioritize cost savings, flexibility, or specialized care, there’s an option that fits your needs. Before enrolling, compare plans carefully, check provider networks, and consider how each network type aligns with your healthcare preferences. Taking the time to choose the right Medicare Advantage plan will help ensure you get the best possible care at the most affordable cost. Contact us today for help navigating Medicare Advantage plans. We’re here to answer all of your Medicare questions!

Learning how to navigate urgent health care coverage with Medicare Advantage Plans is invaluable. Healthcare emergencies are almost always unexpected. Having a clear understanding of your coverage is critical, and can provide much-needed peace of mind. If you are enrolled in a Medicare Advantage plan, knowing how these plans handle emergency and urgent care is essential— especially if you travel frequently or are considering international travel. Here’s what you should know: What Is Medicare Advantage? Medicare Advantage (Part C) plans are offered by private insurance companies approved by Medicare. These plans provide the same benefits as Medicare (Parts A and B) and often include additional services such as dental, vision, hearing, and prescription drug coverage. While these plans aim to provide comprehensive coverage, the rules surrounding emergency and urgent care can differ from Medicare. Emergency Care Coverage with Medicare Advantage Medicare Advantage plans are legally required to cover emergency care services, regardless of whether the provider is in or out of the plan’s network. Here’s the breakdown: No Prior Authorization Needed: For true emergencies—such as heart attacks, strokes, or severe injuries—Medicare Advantage plans cannot require prior authorization for coverage. Coverage Anywhere in the US: Your Medicare Advantage must offer emergency services anywhere in the country, whether you’re at home or traveling. However, care may be limited to in-network providers unless otherwise authorized. Our insurance experts can help you understand what your coverage includes. Ambulance Services: Emergency ambulance transportation is typically covered. Speak with one of our insurance experts today to understand any exceptions your plan may outline. Urgent Care with Medicare Advantage Medicare Advantage plans cover most urgent care services, including services from out-of-network providers. If you do seek urgent care out-of-network, coverage will still apply, though you might pay higher out-of-pocket costs than you would with in-network providers. Keep in mind that some plans may have restrictions on follow-up care or may require you to return to an in-network provider for additional treatment. International Travel Coverage Medicare Advantage plan coverage can vary significantly for services performed outside the United States. Medicare does not generally cover international healthcare services, but many Medicare Advantage plans include limited coverage for emergencies during international travel. International travel coverage with Medicare Advantage typically includes hospital visits, urgent care, and emergency transportation. Your coverage limits and reimbursement policies vary, so it’s essential to understand the specifics of your plan. Keep in Mind: Many plans offer additional travel assistance programs that can help coordinate care during international emergencies. If your plan has limited international coverage, you may consider supplementing your coverage options by purchasing a travel health insurance policy or a Medigap plan with foreign travel benefits for added peace of mind. There are several steps you should take before traveling internationally. Review Your Plan Details: Contact one of our Medicare Advantage experts to go over a detailed explanation of your plan’s international coverage. Emergency and urgent care services may involve copayments or coinsurance, which could vary depending on the care location. Understand Your Plan’s Network Rules: While emergencies are covered anywhere, non-emergency follow-up care often requires you to use in-network providers. Understand what qualifies as in-network to avoid additional costs down the road. Plan for Out-of-Pocket Costs: Be prepared to pay for care upfront in some countries, as many international healthcare providers may not bill your insurance directly. Carry Documentation: Always have a copy of your insurance card and contact information for your insurance provider readily available. Stay Prepared When Traveling: Both domestic and international travelers should confirm their coverage and make contingency plans for unexpected medical needs. Be Prepared When emergencies strike, having the right knowledge can make all the difference. Medicare Advantage plans provide comprehensive coverage, but the specifics of emergency and urgent care can vary. Whether you’re managing a health crisis at home or traveling internationally, taking the time to understand your plan’s benefits ensures you’re prepared for the unexpected. Reach out to one of our experts today to clarify any uncertainties and ensure your healthcare coverage aligns with your lifestyle and travel needs.

With rising healthcare costs, many Medicare Advantage members are noticing increasing out-of-pocket expenses. As co-pays rise due to the Inflation Reduction Act and reduced funding for Medicare Advantage plans, it’s more important than ever to explore ways to protect yourself from unexpected medical costs. One option to consider is adding a Hospital Indemnity plan to your healthcare coverage. But is it worth it? Medicare Advantage and Rising Co-Pays Medicare Advantage, also known as Part C , has historically been an attractive option due to its low premiums and added benefits compared to traditional Medicare. These plans often cover prescription drugs, dental, vision, and hearing services, which Original Medicare does not. With recent changes, members are seeing an increase in co-pays for services such as hospital stays, specialist visits, and outpatient care. This is largely due to shifts in funding and rising healthcare costs across the board. While Medicare Advantage still offers good value, especially when compared to standalone Medicare, higher out-of-pocket expenses can catch many beneficiaries off guard—particularly in the case of an unexpected hospital stay. That’s where Hospital Indemnity insurance comes in. What is Hospital Indemnity Insurance? Hospital Indemnity insurance is a supplemental plan designed to provide financial protection for hospital-related expenses not fully covered by your Medicare Advantage plan. If you’re admitted to the hospital, this insurance pays a set amount for each day you spend in the hospital, depending on your plan’s coverage. It can also cover other associated costs like ambulance rides or extended hospital stays. The benefit of Hospital Indemnity insurance is that it provides cash payouts directly to you, which you can use to pay for any expenses—whether it’s hospital co-pays, deductibles, or other unexpected costs you incur during your recovery. Is It Worth It? As healthcare costs continue to rise, having an extra layer of financial protection can be invaluable. Hospital stays can lead to significant out-of-pocket costs under a Medicare Advantage plan, and a Hospital Indemnity policy helps mitigate those expenses. While it does add an additional monthly premium, it can provide peace of mind, ensuring that an unexpected medical emergency doesn’t turn into a financial burden. For many, the protection offered by Hospital Indemnity insurance makes it a worthwhile investment in a time of rising healthcare costs. If you need help weighing your options or are considering a Hospital Indemnity policy, contact one of our expert agents today . We’re here to help!