970.505.9652
Compare Plans
Schedule an Appointment
Northern Colorado Medicare guidance, from your pharmacist
We mean that. Haven Health is a Medicare agency started by the pharmacists at Good Day Pharmacy, right here in Northern Colorado. We sit down with your medication list, price it against the plans you can actually get, and help you enroll in the one you pick. There is no charge for any of that. So before you call a number off a mailer, ask someone who already knows you.
How Haven started
Same plan, year after year, set once when they turned 65 and never looked at again. That is what we kept seeing behind the counter, and nobody was doing anything wrong.
But a plan can move your medication to a higher tier or add a rule any January, and people were paying for that without knowing, sometimes sitting on benefits they never used. So we got licensed. Now somebody looks.
Read why pharmacists started a Medicare agencyWhat we look at
The premium is the number on the envelope. What the plan does after that is where the year gets expensive. Ask, and we will go through any of it with you:
A fair question
It is a reasonable thing to wonder about, so here is the plain answer. The plan has to fit your medications, your doctors and your budget. If the best one means filling somewhere else, we will say so.
The only time a pharmacy comes into it is if you ask us to keep yours.
Close by
Greeley, Fort Collins, Loveland, Windsor and the towns around them are home, and we also cover Grand Junction, Palisade and Colorado Springs.
Beyond that the pharmacy group runs across the Rocky Mountain West — from the Western Slope to the Wyoming high plains and the Nebraska panhandle, where in several towns it is the only pharmacy left.
Haven is licensed in 25 states, so a parent in another state or a move after retirement is no trouble.
About all that mail
Twenty letters, four robocalls and a text from a number you do not know. None of it came from us, and we are not going to start.
Every envelope in that stack was addressed to a postal route, which is why they all lead with a premium — usually the least useful number in the envelope, and the only one a stranger can guess.
What you get here instead is one conversation, and at the end of it you will know why the plan you chose is the right one for your list. Knowing why is the part none of that mail can give you.
How it often ends
A good number of the plans we look at are already the right one. We say so and send folks home. A review that always ends in a switch is not really a review.
After you enroll
Letters arrive that explain nothing. A prescription rings up wrong. When that happens, you call the same person who set your plan up and we help you sort it out.
Everything Medicare touches
Advantage plans, supplements, Part D, dental, vision, special needs plans, even life insurance. Because we can help with any of it, we have no reason to nudge you toward one.
Medicare 101
Most people do not need more plan names first. They need to know what Medicare includes, when timing matters, where coverage can change, and why the details should be checked against real life.
See how hospital coverage, medical coverage, drug coverage, Medicare Advantage, and supplement options fit together.
Your birthday, work coverage, retirement timing, and current plan status can all change what comes next.
Formularies, tiers, preferred pharmacy pricing, provider networks, and counties all move. A plan can keep the same name and quietly cost you more.
Because a comparison built from a medication list you recalled from memory is wrong more often than anyone admits, and one missed prescription can change the year by thousands.
Bring your people
Spouse, adult child, caregiver, a friend. Everyone hears the same explanation at once, so nobody has to take notes for somebody else.
Start where life is happening
Turning 65 You are about to get more Medicare mail than you have ever gotten in your life, and every envelope is guessing about you. None of them know your medications or your doctors.
Start With Timing
Still working You do not want to enroll too early, wait too long, or miss a step that creates a penalty you carry for years. Comparing the drug coverage both ways is the part people skip.
Check My Timing
Helping a parent You need someone your parent can reach on her own, and someone who can read her medication list faster than you can assemble it from bottle labels at her kitchen table.
Help My Parent
Already on Medicare That is usually not the pharmacy. That is the plan. Formularies and tiers move every year and nobody calls to explain it. Bring us the card and we will show you where the cost is coming from.
Review My PlanOptional — we are glad to do this part for you
Some people want to look before they talk to anybody, and that is a reasonable way to go about it. So here is the same tool we use when we sit down with you. Put in your ZIP code and what you take, and it will do the arithmetic.
There is no charge either way. Handing us the list is the shorter road, and it is the one most people take.
So run it if you like the look of it. Then bring us what you got, and we will check the parts a form cannot.
What people say
I have referred many patients from the clinic where I work who either lack insurance coverage or do not have adequate benefits, and Juan Carpenter has consistently made a meaningful difference in their lives.
We appreciate Juan's expertise and pleasant manner while exploring all the details of Medicare coverage.
Juan was very informative and extremely helpful.
Juan is great to work with. Very knowledgeable, works with you to find the best possible plan! Highly recommend!
Why Haven
Whether something is covered is the easy question. What a plan does with it after that — the tier, the network, the rule attached to it — is where the year gets expensive, and that detail is a pharmacist's daily work.
Haven was started by the pharmacists at Good Day Pharmacy. So you can check us out before you ever pick up the phone. Not many people in this business can say that.
It is fair to wonder. We do not. If the best plan for your medications means filling somewhere else, we will tell you so. The only time a pharmacy comes into it is if you ask us to keep yours.
A plan can list your medication and still cost you much more than the plan next to it. It comes down to tiers, limits, and prior authorizations. That is a pharmacist's daily work, and it is where most of the money hides.
Pharmacists are the ones who tell you what your prescription costs today. We did that for years. Then we got licensed, so the hard conversation could happen in October instead of January.
Not a vague promise that most plans cover most doctors. We look up your specific physicians and specialists in front of you, before any plan gets named.
Greeley, Fort Collins, Loveland, Windsor and the towns around them are where we live. We also reach Grand Junction, Palisade and Colorado Springs, and we are licensed in 25 states, so a move or a parent out of state is no trouble.
Not a referral pipeline and not a pharmacy preference. A better introduction. When a pharmacist calls and says your name and how long they have known you, the conversation starts with a person who has a history instead of a lead off a list. That is most of what the pharmacy side is worth to you.
Letters arrive. Drugs move tiers. A prior authorization gets denied. When that happens you call the same person who set your plan up, and we help you read it. That is the part most people never get.
Ask us anything
No. It is a fair thing to wonder about, so here is the plain answer: the plan has to fit your medications, your doctors and your budget. If the best one means filling somewhere else, we will tell you.
The only time a pharmacy comes into it is if you ask us to keep yours.
No. We are paid by the insurer if you enroll, and your premium is the same either way. Plenty of the plans we look at are already the right one, and we say so.
Insurers pay a commission when someone enrolls. Ask what any plan pays us and we will tell you the number.
Because we watched it break every January. Someone would hand us a new card and a medication they had taken for years came back at four times the price. We could see it coming. We just could not do anything about it, so we got licensed.
Your medications with the doses, your doctors, and your current plan if you have one. A printout from your pharmacy is ideal. A photo of the bottles works fine too.
That depends on the plan, and it is exactly what we check. Bring your list of doctors and we will look each one up before recommending anything.
Bring the list and we will tell you plan by plan. What matters is not just whether a drug is covered, but which tier it sits on and whether it needs a prior authorization. That is where the cost hides.
Then keep them. Bring us their comparison and we will price your medications against it. If they got it right, we will say so. That happens a lot.
That is one of the things we check. Some plans quietly cost you more at the pharmacy you already like, and it is rarely on the front page of the plan material.
Please do. It goes better when everyone hears the same explanation at the same time.
Probably something, and it depends on the size of your employer. With 20 or more employees you can usually wait on Part B. With fewer, your group plan may not pay properly without it. Worth one phone call before you decide.
You keep our number. Letters arrive that explain nothing, and drugs move tiers mid-year. When that happens, you call the same person who set your plan up.
No. We are a private, independent agency, not affiliated with or endorsed by Medicare or any government agency. We represent plans from several private insurers, and we do not offer every plan in your area.
Northern Colorado Medicare help
One appointment. Advantage, Supplement and Part D side by side, your medications priced for the full year, your doctors checked against each plan's network, and the extra benefits confirmed rather than assumed. No pitch waiting at the end of it.
Ask us what a plan pays us and we will tell you the number. Haven is paid by the insurer if you enroll, and your premium is the same whether you use a broker or enroll directly.