Roaring Fork Medicare

Medicare from Glenwood Springs, to Basalt, to Aspen,

& Everywhere in Between

Medicare Coverage You Can Trust

Choosing your Medicare coverage can be daunting. How do you determine which combination of plans will cover your health care needs while being able to stick to your budget? Roaring Fork Medicare Coverage is here to help demystify the Medicare process.


We care about you and we show it by hiring friendly and knowledgeable staff from right here in Colorado. Your local office is right around the corner in Basalt so you can sit face to face with your agent or, if you prefer, connect over the phone. Your agent will be up to date on all things Medicare and will keep you informed by checking in periodically to see if your plan is working for you or if your needs have changed. We want you to have a solid understanding of your options when choosing a plan that works for you so let’s go over your Medicare options.

Need Medicare Coverage? Call Us Today

Want to get right to speaking with an agent? Call our office! We'll help you take care of your coverage, right away. You may also use our no obligation Medicare Quote Request Form (to the right) to get answers on Medicare from us, fast.

Want More Information?

Read on to learn more about Medicare, below. Each page has additional information if you want to learn about any specific part of Medicare. You can also read our Medicare FAQ to get info.

No Obligation

Medicare Quote

North Star Medicare Leads Form

Medicare Coverage in the Roaring Fork

Glenwood Springs, Carbondale, Basalt, Snowmass, Aspen, and More

Your Roaring Fork Medicare Agency

Andrea Gurule Medicare Basalt CO Roaring Fork

Andrea Gurule

Licensed Medicare Agent

Does Medicare feel like it's as clear as mud?


It's ok, we’ve got you covered.


Our insurance agents are here to help you understand the benefits and drawbacks to each Medicare plan so you’ll be able to choose the one that’s right for you.


Whether you’re choosing one of 10 different supplemental plans, or trying to weigh the benefits of Medicare Advantage versus Medicare Part D Coverage, we’ll be with you every step of the way.


Your new Medicare agent is a pro and will help you craft the best health care plan. Working with us, you can also rest assured you’re getting the best deal. So, give our team at Roaring Fork Medicare Coverage in Basalt a call now!

Medicare Coverage in the Roaring Fork

Glenwood Springs, Carbondale, Basalt, Snowmass, Aspen, and More

Traditional Medicare (Part A & B)

Traditional Medicare provides both hospital insurance and "typical" medical insurance, covering doctor's visits and some preventative care.

Medicare Part A

Medicare Part A is also known as Hospital Insurance. This helps to cover costs incurred during stays in medical facilities. You cannot purchase Medicare Part A unless you are also enrolled in Medicare Part B.


Most people are eligible for free premiums for Medicare coverage, but it depends on how long you have paid into Medicare through your taxes. If you have not paid into Medicare, then it can also be purchased for a monthly premium.


This portion of Medicare kicks in after you have met your deductible for each hospital stay. After that, Part A pays most of the costs while you pay coinsurance. There is no limit to the number of hospital stays, or “benefit periods” in a given year.


Covered

  • Hospital in-patient care
  • Care in a skilled nursing facility
  • Short-term nursing home care
  • Hospice care
  • Care in home


Not Covered

  • Long-term nursing home care
  • Hospitalizations outside the US

Medicare Part B

Medicare Part B is more like your typical medical insurance. It covers doctor’s appointments, preventative care, and other medically necessary services. You pay a premium for this coverage monthly regardless if you use these services in that month.


Unlike Medicare Part A, your deductible is met once per year. After that you pay 20% of covered costs as coinsurance.


Covered

  • Ambulances
  • Walkers/Wheelchairs/Scooters
  • Blood sugar meters and strips
  • Preventative care
  • Medically necessary services


Not Covered

  • Dentures
  • Acupuncture or many other "Alternative" Health Treatments
  • Hearing aids
  • Most dental care
  • Prescription glasses

Note that Medicare is just like other insurance plans in that it does not cover 100% of the cost for approved care. This means that you still pay deductibles, copays or coinsurance, as well as possible out-of-pocket expenses. If that makes you a little uneasy, don’t worry, we’ve got you covered. Simply ask an agent at our office about supplemental insurance.

Additional Medicare Info:

  • Medicare Prescription Drug Plans

    There are two ways to obtain prescription drug coverage under Medicare. Note that medications are not covered under Medicare Part B (traditional Medicare); you have to enroll in either Part D (Medicare prescrption drug plan) or a Medicare advantage plan to receive these benefits.


    Medicare Part D is provided through the Medicare system like Medicare parts A and B. The deductibles and premiums vary depending on which plan you choose and what medications are covered in each plan’s formulary.


    Medicare Part D: Prescription Drugs

    Part D covers a portion of your costs for

    • Insulin
    • Prescribed medications in Part D’s formulary (list of covered drugs)

    Medicare Part D does not cover

    • Prescribed medications not included in Part D’s formulary

    Your other option for prescription coverage is to enroll in a Medicare advantage plan (see below). When you are enrolled in an Advantage Plan, you cannot enroll in Medicare Part D: you have to choose one or the other. While Part D is provided through the Medicare system, Advantage Plans are provided through insurance companies so be sure to check if your pharmacy is in-network for the plan you choose.

  • Medicare Supplements (Medigap)

    Medicare Supplements, or Medigap, does exactly as the name implies: they supplement your existing Medicare plan to cover some or all the gaps in your coverage. They’ll cover the co-insurance costs that Part A doesn’t and even cover some costs that are not covered by Part B. These supplements are similar to Medicare Parts A and B in that you can choose/keep your doctor and preferred hospital if they already accept Medicare.


    There are 10 different Medicare Supplement Plans, so you are sure to find one that tailors to your specific needs and budget. Some plans cover your deductibles, some limit your out-of-pocket expenses, and some even cover foreign travel emergencies. 

  • Medicare Advantage

    Medicare Advantage is an alternative to Medicare Supplements. It’s more of a bundle type plan. It combines Medicare Part A and Part B into one plan as well as offering prescription coverage. This can lower your monthly premium costs overall, but since these plans are provided by private companies, it may not have as widespread of a coverage network as Medicare does.

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