Medicare 101: Understanding Your Coverage Options
Medicare doesn’t have to be confusing.
At Haven Health Plans, we believe adults 65 and older deserve clear, local guidance—not a sales pitch. Our licensed Colorado agents help you understand your options, compare plans, and feel confident about the coverage you choose.
What Is Medicare?
Medicare is federal health insurance for adults 65 and older and for certain individuals with disabilities. It’s made up of four main parts:
Part A (Hospital Insurance)
Helps cover hospital stays, skilled nursing, and hospice care.
Part B (Medical Insurance)
Covers doctor visits, outpatient care, preventive services, and durable medical equipment.
Part C (Medicare Advantage)
Plans offered by private insurers approved by Medicare that combine Parts A and B, and often include prescription, dental, vision, and wellness benefits.
Part D (Prescription Drug Coverage)
Helps pay for the cost of medications.
Your Two Main Paths to Coverage
Original Medicare (Parts A & B)
Original Medicare (Parts A & B)
Original Medicare (Parts A & B)
Basic hospital and medical coverage. You can add a Medicare Supplement (Medigap) plan and a separate Part D drug plan.
Medicare Advantage (Part C)
Original Medicare (Parts A & B)
Original Medicare (Parts A & B)
Combines Parts A and B —and often D—into one plan offered by private insurers. May include extra benefits such as dental, vision, hearing, and fitness.
When to Enroll
Initial Enrollment Period (IEP): You have a total of 7 months to sign up for Medicare. This includes the 3 months before your 65th birthday, the month of your birthday, and the 3 months after your birthday month.
Annual Enrollment Period (AEP): Each year from October 15 – December 7, you can review and change plans.
Special Enrollment Periods (SEP): Available for life changes such as retirement or moving.
If you’re turning 65 soon, meeting with a licensed local agent early ensures your coverage begins on time and includes your preferred doctors and prescriptions.
What You Can Expect from Haven Health Plans
✅ Independent Advice
We represent many carriers, so our guidance stays unbiased.
✅ Education First
We’ll explain each part of Medicare in plain language before you ever make a choice.
✅ Local Support
Real people here in Northern Colorado ready to answer your questions.
✅ No Cost to You
Our services are free; we’re paid by the private insurers approved by Medicare.
Our Proven Process:
Learn Together
Compare Confidently
Compare Confidently
We’ll explain Medicare in plain language.
Compare Confidently
Compare Confidently
Compare Confidently
Side-by-side options for your doctors, meds, and lifestyle.
Enroll with Ease
Compare Confidently
Enroll with Ease
Paperwork handled locally, support year-round.
Why Local Guidance Matters
We proudly serve adults 65 and older throughout Northern Colorado—including Fort Collins, Greeley, Loveland, Windsor, Johnstown, and Wellington. As local pharmacists and Medicare advisors, our team knows the plans that work best with UCHealth, Banner Health, and the independent providers you already trust.”
Northern Colorado’s healthcare system is anchored by UCHealth and Banner Health.
Each Medicare plan has unique provider networks, and choosing the right one can affect which doctors, hospitals, and pharmacies you can use.
Haven Health Plans works alongside local pharmacists and community providers to make sure your plan fits your lifestyle, medications, and budget.
Whether you’re hiking the Poudre Trail, cheering at your grandchild’s soccer game, or planning your next road trip, peace of mind in your healthcare should come easy. That’s what Haven Health is here for.
Ready to Learn More?
Let’s sit down and talk through your coverage options—no pressure, just clarity.
Frequently Asked Questions
Medicare Advantage (Part C) plans combine hospital, medical, and often drug coverage into one plan from private insurers approved by Medicare. Medicare Supplement (Medigap) plans help pay out-of-pocket costs not covered by Original Medicare.
Most people enroll during their Initial Enrollment Period—the 7 months surrounding their 65th birthday.
In Northern Colorado, most plans include UCHealth and Banner Health networks. We’ll help you verify your specific providers before you enroll.
Copyright © 2025 Haven Health - All Rights Reserved.
Haven Health Plans is not affiliated with or endorsed by the U.S. government or the federal Medicare program. We represent plans from multiple private insurers approved by Medicare.
Clarity, not pressure. Medicare made local.
We’ll help you compare doctors, prescriptions, and plans — calmly and clearly.