Colorado Medicare Enrollment Guide 2025: What You Need to Know Before Signing Up

If you're turning 65 or nearing retirement in Colorado, navigating Medicare can feel overwhelming. From understanding the different parts to knowing your enrollment deadlines, it’s crucial to get it right—both to protect your health and avoid costly penalties. This 2025 guide breaks down everything Coloradans need to know before signing up for Medicare.

What is Medicare?

Medicare is a federal health insurance program primarily for:

• People 65 and older
• Certain younger individuals with disabilities
• Those with End-Stage Renal Disease (ESRD)

There are four parts of Medicare:

• Part A (Hospital Insurance)
• Part B (Medical Insurance)
• Part C (Medicare Advantage Plans)
• Part D (Prescription Drug Coverage)

Most people qualify for premium-free Part A if they or their spouse paid Medicare taxes for at least 10 years.

Do You Need to Sign Up?

Not everyone is auto-enrolled. Here’s when you need to act:

• If you're receiving Social Security before 65: You’ll be automatically enrolled in Parts A and B.
• If you're not: You might need to actively sign up during your IEP.

💡 Even if you’re still working at 65, you may still need to enroll in Part A&B to avoid penalties later

Coloradans needing help with Medicare?

Starting Medicare in Colorado doesn’t have to be stressful. By understanding your options and deadlines early, you’ll be positioned for better coverage and fewer surprises. Whether you're leaning toward Original Medicare, a Medicare Advantage plan, or adding a Medigap policy, now is the time to explore what fits your health needs and lifestyle best.