Addressing Options and Solutions for Hearing Loss
If you or a loved one is experiencing signs of hearing loss, now is the time to take action. Hearing solutions today are more effective and more accessible than ever.
Colorado Life and Health, LLC
Your Guide to
Medicare Insurance Options
Information, Plan options,
and No-Cost Enrollment Assistance
Are You New To Medicare?
Not Sure Where to Begin?
As a new Medicare beneficiary, you have important decisions to make about the future of your healthcare. Unfortunately, understanding the “ins-and-outs” and selecting the right plan based on your needs can be challenging.
Start by enrolling in our virtual course where you’ll learn the important basics and then for more in-depth information, read through the content of this site and connect with one of our licensed and certified agents in your local area for free assistance.
Begin by Enrolling in Our Medicare Essentials Video Quick-Course:
This video tutorial covers the basic elements of Medicare in a format that is easy to understand and you can watch it from the comfort of your home! It’s yours at no cost and no obligation, just tell us where we should send it!
Get Free and Friendly
Medicare Insurance Help Now
Our licensed agents offer Medicare insurance
enrollment assistance at no cost and no obligation.
- Review your current benefits
- Explore additional benefits
- Explain your coverage options
- To speak with a licensed agent, call (858) 689-7445
Medicare Resources:
What You Need to Know
From Dollars to “Donuts”…
Medicare Part D
Medicare’s Part D is coverage for your medication needs and is provided by private insurance carriers. We’ll explain exactly how it works.
Getting Started
Answers to common questions such as: When should you enroll? How and when do you become eligible for Medicare?
Enrollment Periods
After your initial enrollment, Medicare allows you to make changes to your coverage at specific times each year. Here are those dates.
Defining the ABC’s
Medicare consists of Parts A, B, C, and D. Step one is to learn the “ABC’s”, how they work, and your options with each part.
Advantage Plans
Medicare Advantage Plans are provided by private insurance companies and can often save you money.
Special Needs Plans
SNPs are Advantage Plans that are tailored to meet the needs of individuals with certain health conditions or circumstances.
Supplement Plans
Insurance sold by private insurance companies to cover Medicare’s gaps. Also called “MediGap” plans.
Medicare FAQs
Answers to some of the most common questions asked by Medicare beneficiaries.
Frequently Asked Questions
How do I apply for Medicare?
The easiest way to apply for Original Medicare is via the Social Security website. There is a quick Medicare application that should take you no longer than 10 minutes. Just visit here.
How do I apply for a Medicare Advantage or Supplement Plan?
Medicare Advantage and Supplement Plans are offered through private insurance companies. Our friendly agents can help you to find a program that meets your needs and budget. Remember, there is no cost to use our service. Simply call (858) 689-7445 to speak with a licensed agent.
Can I apply for Medicare in person?
Yes you can, but you’ll need to go to a local Social Security office to apply in person. If you’d like to apply for an Advantage or Supplement Plan in person, simply contact our office and request an appointment. Please note, you’ll need to apply for Original Medicare before you can enroll in an Advantage or Supplement Plan.
Can I get assistance applying for Medicare?
Absolutely! Contact our office at (858) 689-7445 and one of our licensed agents will be happy to walk you through the enrollment process.
When should I apply for Medicare?
You have a 7-month window to apply for Original Medicare: during the 3 months prior to your 65th birthday month, the month of your birthday, and the 3 months after your 65th birthday.
What if I missed my Initial Enrollment Period?
You missed your 7-month window for enrolling in Medicare, your next opportunity to enroll in Part A and Part B will be during the General Enrollment Period, January 1-March 31. Coverage will then become effective on the first of the month following your enrollment date. For instance, if you enroll on February 10, your coverage will go into effect on March 1st.
Are there penalties for enrolling late?
Yes! If you do not enroll in Part B coverage during your Initial Enrollment Period, you could be subject to premium penalties for as long as you have Medicare coverage.
When do I get my Medicare card?
You’ll typically receive your Medicare card approximately 3 weeks after you apply.
Testimonials
Here’s what our clients say about our service…
Craig and his team are wonderful to work with–whether Medicare or other insurance needs. They make the process flow easily, welcome all questions, and are so patient explaining the details so you can make the right decision for you! So happy I acted on the referral.
Linda Parks
Aidan was deeply knowledgeable about all aspects of health insurance options. He is personable, service oriented and proud of the work he provides. My needs were his priority. He was quick to research any concerns and answer any questions. I recommend Professor Medicare for those who need guidance.
Peg Hilliard
I cannot even begin to tell just how easy the Medicare planning was with Donna’s help. I was buried in emails and mail until Donna rescued me! Her knowledge of the many plans was so helpful in my decision of the plan that was best for me! I would highly recommend Professor Medicare for deciding what company and plan is best for you!
Jean Horning
My husband and I have had an excellent experience with Professor Medicare. Aidan and Craig were super responsive, professional, and easy to work with. It can be confusing to determine what is the right way to proceed with Medicare. They explained all our insurance options, ran the numbers, and did a great job of walking us through various…
Lou M.
My husband and I have had an excellent experience with Professor Medicare. Aidan and Craig were super responsive, professional, and easy to work with. It can be confusing to determine what is the right way to proceed with Medicare. They explained all our insurance options, ran the numbers, and did a great job of walking us through various scenarios so that we could confidently determine which policy was right for each of us individually. I highly recommend this company! Numerous friends recommended them to us and we can see why. Thank you, Professor Medicare for the great service you are providing.
Lou M.
Craig met me as soon as I walked in the door and took time to explain the Medicare process. He gave me a Medicare book and gave recommendations moving forward as I prepared for retirement two months later. He checked in every few weeks. Once I got the needed paperwork from my employer, we met again and he sat down with me again and made…
Tarryn Jamison
Craig met me as soon as I walked in the door and took time to explain the Medicare process. He gave me a Medicare book and gave recommendations moving forward as I prepared for retirement two months later. He checked in every few weeks. Once I got the needed paperwork from my employer, we met again and he sat down with me again and made sure I was happy with the Medicare plan. Craig has been very helpful and professional and I’ve felt I’ve had direction in a situation that would have been quite confusing. I would highly recommend Craig and Professor Medicare for anyone wanting to navigate the Medicare system. The assistance was SO valuable!
Tarryn Jamison
Jarrod has been awesome! He is always quick to respond. Jarrod came to our house in the beginning, we felt at ease, listened to. He researched for us and found the plan that met our needs . Everything so far is great!
Lesa Beggs
Aidan was incredible. His knowledge of Medicare was awesome and very much appreciated. His explanations helped make everything understandable, which made the whole process so much easier and faster to get through.
Sandra Peterson
Aidan and his team were fantastic at helping my dad and I navigate health care options. I can’t even say how much Aidan’s professional yet calm and connected manner soothed my dad’s worries about being taken advantage of. Instead, Aidan gave us a huge advantage in understanding a complex system and picking a plan that was right for my…
Kassandra Brown
Aidan and his team were fantastic at helping my dad and I navigate health care options. I can’t even say how much Aidan’s professional yet calm and connected manner soothed my dad’s worries about being taken advantage of. Instead, Aidan gave us a huge advantage in understanding a complex system and picking a plan that was right for my dad. It was an amazingly easy experience and I recommend Professor Medicare 5+ stars!
Kassandra Brown
Donna made this whole Medicare experience easy and understandable. I would recommend her to everyone I know that need to sign up for Medicare! Donna answered every question we had and to where we understood it. Best experience!
Joyce Rehage
Craig and his team are wonderful to work with–whether Medicare or other insurance needs. They make the process flow easily, welcome all questions, and are so patient explaining the details so you can make the right decision for you! So happy I acted on the referral.
Linda Parks
Aidan was deeply knowledgeable about all aspects of health insurance options. He is personable, service oriented and proud of the work he provides. My needs were his priority. He was quick to research any concerns and answer any questions. I recommend Professor Medicare for those who need guidance.
Peg Hilliard
I cannot even begin to tell just how easy the Medicare planning was with Donna’s help. I was buried in emails and mail until Donna rescued me! Her knowledge of the many plans was so helpful in my decision of the plan that was best for me! I would highly recommend Professor Medicare for deciding what company and plan is best for you!
Jean Horning
My husband and I have had an excellent experience with Professor Medicare. Aidan and Craig were super responsive, professional, and easy to work with. It can be confusing to determine what is the right way to proceed with Medicare. They explained all our insurance options, ran the numbers, and did a great job of walking us through various…
Lou M.
My husband and I have had an excellent experience with Professor Medicare. Aidan and Craig were super responsive, professional, and easy to work with. It can be confusing to determine what is the right way to proceed with Medicare. They explained all our insurance options, ran the numbers, and did a great job of walking us through various scenarios so that we could confidently determine which policy was right for each of us individually. I highly recommend this company! Numerous friends recommended them to us and we can see why. Thank you, Professor Medicare for the great service you are providing.
Lou M.
Craig met me as soon as I walked in the door and took time to explain the Medicare process. He gave me a Medicare book and gave recommendations moving forward as I prepared for retirement two months later. He checked in every few weeks. Once I got the needed paperwork from my employer, we met again and he sat down with me again and made…
Tarryn Jamison
Craig met me as soon as I walked in the door and took time to explain the Medicare process. He gave me a Medicare book and gave recommendations moving forward as I prepared for retirement two months later. He checked in every few weeks. Once I got the needed paperwork from my employer, we met again and he sat down with me again and made sure I was happy with the Medicare plan. Craig has been very helpful and professional and I’ve felt I’ve had direction in a situation that would have been quite confusing. I would highly recommend Craig and Professor Medicare for anyone wanting to navigate the Medicare system. The assistance was SO valuable!
Tarryn Jamison
Jarrod has been awesome! He is always quick to respond. Jarrod came to our house in the beginning, we felt at ease, listened to. He researched for us and found the plan that met our needs . Everything so far is great!
Lesa Beggs
Aidan was incredible. His knowledge of Medicare was awesome and very much appreciated. His explanations helped make everything understandable, which made the whole process so much easier and faster to get through.
Sandra Peterson
Aidan and his team were fantastic at helping my dad and I navigate health care options. I can’t even say how much Aidan’s professional yet calm and connected manner soothed my dad’s worries about being taken advantage of. Instead, Aidan gave us a huge advantage in understanding a complex system and picking a plan that was right for my…
Kassandra Brown
Aidan and his team were fantastic at helping my dad and I navigate health care options. I can’t even say how much Aidan’s professional yet calm and connected manner soothed my dad’s worries about being taken advantage of. Instead, Aidan gave us a huge advantage in understanding a complex system and picking a plan that was right for my dad. It was an amazingly easy experience and I recommend Professor Medicare 5+ stars!
Kassandra Brown
Donna made this whole Medicare experience easy and understandable. I would recommend her to everyone I know that need to sign up for Medicare! Donna answered every question we had and to where we understood it. Best experience!
Joyce Rehage
Craig and his team are wonderful to work with–whether Medicare or other insurance needs. They make the process flow easily, welcome all questions, and are so patient explaining the details so you can make the right decision for you! So happy I acted on the referral.
Linda Parks
Aidan was deeply knowledgeable about all aspects of health insurance options. He is personable, service oriented and proud of the work he provides. My needs were his priority. He was quick to research any concerns and answer any questions. I recommend Professor Medicare for those who need guidance.
Peg Hilliard
Articles and Information
Summer Hydration Tips for Seniors
Aging presents unique challenges for seniors when it comes to hydration. By adopting proactive strategies, you will enjoy a safer and more comfortable summer.
Top 5 Mistakes to Avoid When Choosing a Medicare Plan
Choosing a Medicare plan is an important decision that can impact your health care and your budget. Here are the top five mistakes to avoid.
The Importance of Health Decisions and Advance Directives
End-of-life planning gives you control over your health decisions and eases the emotional burden on loved ones.
COPD and Lung Health: Breathing Easier in Your Golden Years
COPD raises your risk of complications from illnesses involving the lungs. Be aware of the following complicating factors and manage them appropriately.
Does Medicare Cover Long-Term Care?
Many retirees are surprised to learn that Medicare does not fully cover long-term care. Understanding what is and isn’t covered can help you plan for potential future expenses and make important retirement planning decisions.
How Aging Affects the Immune System and Ways to Boost It
Understanding how aging affects the immune system and what you can do to support it is key to maintaining long-term health.
Tips on Lowering Your Out-of-Pocket Cost on Prescription Drugs
Prescription drug costs do not have to strain your budget. With the right strategies and support, you can reduce out-of-pocket expenses and still access the medications you need.
The Benefits of Medicare Advantage Plans
Medicare Advantage plans with lower monthly costs can be an excellent choice for many retirees who want health coverage without a high monthly cost.
Addressing Options and Solutions for Hearing Loss
If you or a loved one is experiencing signs of hearing loss, now is the time to take action. Hearing solutions today are more effective and more accessible than ever.
Summer Hydration Tips for Seniors
Aging presents unique challenges for seniors when it comes to hydration. By adopting proactive strategies, you will enjoy a safer and more comfortable summer.
Top 5 Mistakes to Avoid When Choosing a Medicare Plan
Choosing a Medicare plan is an important decision that can impact your health care and your budget. Here are the top five mistakes to avoid.
The Importance of Health Decisions and Advance Directives
End-of-life planning gives you control over your health decisions and eases the emotional burden on loved ones.
COPD and Lung Health: Breathing Easier in Your Golden Years
COPD raises your risk of complications from illnesses involving the lungs. Be aware of the following complicating factors and manage them appropriately.
Does Medicare Cover Long-Term Care?
Many retirees are surprised to learn that Medicare does not fully cover long-term care. Understanding what is and isn’t covered can help you plan for potential future expenses and make important retirement planning decisions.
How Aging Affects the Immune System and Ways to Boost It
Understanding how aging affects the immune system and what you can do to support it is key to maintaining long-term health.
Tips on Lowering Your Out-of-Pocket Cost on Prescription Drugs
Prescription drug costs do not have to strain your budget. With the right strategies and support, you can reduce out-of-pocket expenses and still access the medications you need.
The Benefits of Medicare Advantage Plans
Medicare Advantage plans with lower monthly costs can be an excellent choice for many retirees who want health coverage without a high monthly cost.
Addressing Options and Solutions for Hearing Loss
If you or a loved one is experiencing signs of hearing loss, now is the time to take action. Hearing solutions today are more effective and more accessible than ever.
Summer Hydration Tips for Seniors
Aging presents unique challenges for seniors when it comes to hydration. By adopting proactive strategies, you will enjoy a safer and more comfortable summer.
Top 5 Mistakes to Avoid When Choosing a Medicare Plan
Choosing a Medicare plan is an important decision that can impact your health care and your budget. Here are the top five mistakes to avoid.
The Importance of Health Decisions and Advance Directives
End-of-life planning gives you control over your health decisions and eases the emotional burden on loved ones.