Colorado › Adams County
Medicare plans in Adams County, Colorado
2026 plans. Other years: 2026 · 2027
Where to start
This page lists every Medicare plan sold in Adams County for 2026, sorted from the lowest cost each month. They're in four tables below, by the kind of coverage. Jump to the one that fits you. Under each table, Compare these plans opens the same plans in our plan list, where you can add your prescriptions, narrow the list and compare plans side by side.
- Medicare Advantage with drug coverage (36 plans)
- Part D drug plans (10 plans)
- Special needs plans (28 plans)
- Medicare Advantage without drug coverage (7 plans)
- Medigap (Medicare Supplement) prices
Not sure which you need? Most people choose either a Medicare Advantage plan, which usually includes drug coverage, or Original Medicare with a Part D drug plan and often a Medigap policy to pay what Medicare leaves.
What would these plans cost you? Try the calculator → It's set to Adams County. Add your age, health and drugs to see what each kind of plan would cost you next year and over the years ahead.
The best plan here for…
- A low monthly premium
- Money back on your Part B premium
- The lowest cost in a bad year
- Dental coverage
- A high star rating
- Seeing doctors outside a network
- The lowest-priced Medigap Plan G
No plan is best for everyone, so we pick one for each of these and explain why. All our picks in Adams County
At a glance
- 43 Medicare Advantage plans are open to anyone with Medicare here; 35 charge no monthly premium.
- 18 give back part of your Part B premium, up to $169 a month.
- The lowest yearly limit on what you pay for in-network care is $2,900.
- 10 Part D drug plans, from $0 to $151.90 a month.
Medicare Advantage plans with drug coverage 36
Medical and drug coverage in one plan, open to anyone with Medicare who lives here. This is what most people mean by a Medicare Advantage plan.
| Plan | Network | Premium | Out-of-pocket limit | Stars |
|---|---|---|---|---|
| DEVOTED CHOICE GIVEBACK 003 CO (PPO) Devoted Health · H4808-003-000 | PPO | $0/moGives back $169/mo of your Part B premium | $7,900 | 4.0★ |
| HumanaChoice Giveback H7617-061 (PPO) Humana · H7617-061-000 | PPO | $0/moGives back $97/mo of your Part B premium | $7,850 | 4.5★ |
| Humana Essentials Plus Giveback H0028-063 (HMO) Humana · H0028-063-000 | HMO | $0/moGives back $80/mo of your Part B premium | $6,500 | 3.5★ |
| Humana Essentials Plus Giveback H5216-435 (PPO) Humana · H5216-435-002 | PPO | $0/moGives back $79/mo of your Part B premium | $7,850 | 3.5★ |
| Kaiser Permanente Senior Advantage Core DM (HMO) Kaiser Permanente · H0630-013-000 | HMO | $0/moGives back $7/mo of your Part B premium | $3,800 | 4.5★ |
| Kaiser Permanente Senior Advantage Choice DM (PPO) Kaiser Permanente · H3138-001-000 | PPO | $0/moGives back $7/mo of your Part B premium | $6,100 | Not yet rated |
| Clear Spring Health BrightPath Advantage (HMO) Clear Spring Health · H6379-001-000 | HMO | $0/moGives back $1.10/mo of your Part B premium | $3,315 | 3.0★ |
| Select Health Medicare Essential (HMO) Select Health · H1994-027-000 | HMO | $0/moGives back $1/mo of your Part B premium | $4,900 | 4.5★ |
| Humana Value Choice H7617-064 (PPO) Humana · H7617-064-000 | PPO | $0/moGives back $1/mo of your Part B premium | $5,100 | 4.5★ |
| Select Health Medicare Active (HMO) Select Health · H1994-035-000 | HMO | $0/moGives back $0.50/mo of your Part B premium | $6,750 | 4.5★ |
| Select Health Medicare Flex (HMO) Select Health · H1994-031-000 | HMO | $0/moGives back $0.10/mo of your Part B premium | $5,900 | 4.5★ |
| Humana Total Complete H0028-081 (HMO) Humana · H0028-081-001 | HMO | $0/mo | $4,650 | 3.5★ |
| AARP Medicare Advantage Essentials from UHC CO-2 (HMO-POS) UnitedHealthcare · H0609-012-000 | HMO-POS | $0/mo | $4,100 | 4.5★ |
| AARP Medicare Advantage Extras from UHC CO-5 (HMO-POS) UnitedHealthcare · H0609-048-000 | HMO-POS | $0/mo | $5,400 | 4.5★ |
| AARP Medicare Advantage from UHC CO-21P (HMO-POS) UnitedHealthcare · H0609-079-000 | HMO-POS | $0/mo | $3,900 | 4.5★ |
| Kaiser Permanente Senior Advantage Bronze DM (HMO-POS) Kaiser Permanente · H0630-025-000 | HMO-POS | $0/mo | $5,900 | 4.5★ |
| HealthSpring Preferred (HMO) Cigna Healthcare · H0672-024-000 | HMO | $0/mo | $4,700 | 3.0★ |
| Select Health Medicare + Kroger (HMO) Select Health · H1994-030-000 | HMO | $0/mo | $6,275 | 4.5★ |
| Perennial Advantage Freedom (HMO-POS) Perennial Advantage · H3419-003-000 | HMO-POS | $0/mo | $3,500 | Not yet rated |
| Anthem Medicare Advantage (HMO) Anthem Blue Cross and Blue Shield · H4346-012-000 | HMO | $0/mo | $9,250 | 3.5★ |
| Aetna Medicare Signature (HMO-POS) Aetna Medicare · H4711-008-000 | HMO-POS | $0/mo | $6,750 | 3.5★ |
| DEVOTED CHOICE 002 CO (PPO) Devoted Health · H4808-002-000 | PPO | $0/mo | $5,100 | 4.0★ |
| Humana Value Choice H5216-261 (PPO) Humana · H5216-261-000 | PPO | $0/mo | $5,100 | 3.5★ |
| Aetna Medicare Signature (PPO) Aetna Medicare · H5521-250-000 | PPO | $0/mo | $6,350 | 4.5★ |
| Elevate Medicare Select (HMO) Elevate Medicare Advantage · H5608-002-000 | HMO | $0/mo | $6,750 | 3.5★ |
| AARP Medicare Advantage from UHC CO-0011 (HMO-POS) UnitedHealthcare · H6706-001-000 | HMO-POS | $0/mo | $5,400 | Not yet rated |
| DEVOTED CORE 004 CO (HMO) Devoted Health · H7147-004-000 | HMO | $0/mo | $3,900 | 4.0★ |
| HealthSpring True Choice (PPO) Cigna Healthcare · H7849-147-000 | PPO | $0/mo | $6,800 | 3.0★ |
| HumanaChoice H5216-223 (PPO) Humana · H5216-223-000 | PPO | $9/mo | $4,900 | 3.5★ |
| Humana Value Plus H5216-195 (PPO) Humana · H5216-195-000 | PPO | $32.70/moGives back $1/mo of your Part B premium | $7,050 | 3.5★ |
| Aetna Medicare Value Care (PPO) Aetna Medicare · H5521-443-000 | PPO | $34/mo | $5,500 | 4.5★ |
| Kaiser Permanente Senior Advantage Silver DM (HMO-POS) Kaiser Permanente · H0630-015-000 | HMO-POS | $45/mo | $3,000 | 4.5★ |
| AARP Medicare Advantage from UHC CO-0001 (HMO-POS) UnitedHealthcare · H0609-007-000 | HMO-POS | $59/mo | $3,400 | 4.5★ |
| Humana Value Choice H5216-078 (PPO) Humana · H5216-078-001 | PPO | $59/mo | $6,750 | 3.5★ |
| Humana Full Access H5216-333 (PPO) Humana · H5216-333-000 | PPO | $94/mo | $3,800 | 3.5★ |
| Kaiser Permanente Senior Advantage Gold (HMO-POS) Kaiser Permanente · H0630-016-000 | HMO-POS | $189/mo | $2,900 | 4.5★ |
Part D drug plans 10
Standalone drug coverage, for people who keep Original Medicare (often with a Medigap policy). Drug plans are sold for a whole region, so the same plans are sold throughout Colorado.
| Plan | Premium | Drug deductible | Stars |
|---|---|---|---|
| Humana Basic Rx Plan (PDP) Humana · S5884-111-000 | $0/mo | $615 | 3★ |
| Wellcare Value Script (PDP) Wellcare · S4802-160-000 | $0/mo | $615 | 3.5★ |
| Wellcare Classic (PDP) Wellcare · S4802-091-000 | $2.20/mo | $615 | 3.5★ |
| Humana Value Rx Plan (PDP) Humana · S5884-206-000 | $48.50/mo | $601 | 3★ |
| HealthSpring Assurance Rx (PDP) Cigna Healthcare · S5617-133-000 | $61.70/mo | $615 | 2.5★ |
| HealthSpring Extra Rx (PDP) Cigna Healthcare · S5617-377-000 | $70.70/mo | $615 | 2.5★ |
| SilverScript Choice (PDP) Aetna Medicare · S5601-054-000 | $105.10/mo | $615 | 3★ |
| AARP Medicare Rx Saver from UHC (PDP) UnitedHealthcare · S5921-372-000 | $125/mo | $615 | 2★ |
| Humana Premier Rx Plan (PDP) Humana · S5884-173-000 | $137.10/mo | None | 3★ |
| AARP Medicare Rx Preferred from UHC (PDP) UnitedHealthcare · S5921-408-000 | $151.90/mo | $130 | 2★ |
Special needs plans 28
Medicare Advantage plans built for people with particular needs, and open only to people who have them. If one of the three below describes you, these are often worth a look before a general plan. Each row says who can join.
Who special needs plans are for
- D-SNP: you have Medicaid as well as Medicare (sometimes called "dual eligible" or "Medi-Medi").
- C-SNP: you have a chronic condition the plan is built around, such as diabetes, heart failure, chronic lung disease or dementia. The plan checks with your doctor.
- I-SNP: you live in a nursing home or similar facility, or need that level of care at home.
Why people choose them
- Care built around you. Most assign a care coordinator, and many run clinical programs for the condition they serve: diabetes education and supplies, heart or lung monitoring, medication reviews, or doctors who visit you in a facility.
- Often more generous extras. Many offer larger allowances than general plans for groceries, over-the-counter items, transportation, meals or utilities. Compare the figures; they vary widely from plan to plan.
- Lower costs for many members. With full Medicaid, a D-SNP member usually pays nothing for care Medicare covers.
The catch: you have to qualify, and the plan will check, for example your Medicaid status or a doctor's confirmation of your condition. If you're not sure, your State Health Insurance Assistance Program (SHIP) gives free, unbiased advice.
| Plan | Network | Who can join | Premium | Out-of-pocket limit | Stars |
|---|---|---|---|---|---|
| Humana Dual Select H0028-078 (HMO D-SNP) Humana · H0028-078-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $6,500 | 3.5★ |
| UHC Complete Care CO-1P (HMO-POS C-SNP) UnitedHealthcare · H0609-047-000 | HMO-POS | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $3,900 | 4.5★ |
| Kaiser Permanente Dual Essential (HMO D-SNP) Kaiser Permanente · H0630-014-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $4,900 | 4.5★ |
| Kaiser Permanente Dual Complete (HMO D-SNP) Kaiser Permanente · H0630-027-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $8,850 | 4.5★ |
| HealthSpring TotalCare (HMO D-SNP) Cigna Healthcare · H0672-009-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $3,800 | 3.0★ |
| HealthSpring TotalCare Plus (HMO D-SNP) Cigna Healthcare · H0672-010-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,250 | 3.0★ |
| Perennial Advantage Premier (HMO-POS I-SNP) Perennial Advantage · H3419-004-000 | HMO-POS | Only for people who live in a nursing home, or need that level of care at home | $0/mo | $3,500 | Not yet rated |
| HumanaChoice SNP-DE H5216-468 (PPO D-SNP) Humana · H5216-468-000 | PPO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,250 | 3.5★ |
| Clear Spring Health Balance+ Diabetes & Heart (HMO C-SNP) Clear Spring Health · H6379-002-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $6,751 | 3.0★ |
| HumanaChoice SNP-DE H7617-067 (PPO D-SNP) Humana · H7617-067-000 | PPO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,250 | 4.5★ |
| Aetna Medicare Full Dual Care (HMO D-SNP) Aetna Medicare · H3931-196-000 | HMO | Only for people who have Medicaid as well as Medicare | $5.80/mo | $9,250 | 3.0★ |
| DEVOTED DUAL 007 CO (HMO D-SNP) Devoted Health · H7147-007-000 | HMO | Only for people who have Medicaid as well as Medicare | $10.90/mo | $3,900 | 4.0★ |
| Aetna Medicare Dual Care (HMO D-SNP) Aetna Medicare · H4711-012-000 | HMO | Only for people who have Medicaid as well as Medicare | $13/mo | $9,250 | 3.5★ |
| Elevate Medicare Choice (HMO D-SNP) Elevate Medicare Advantage · H5608-001-000 | HMO | Only for people who have Medicaid as well as Medicare | $15.70/mo | $9,250 | 3.5★ |
| DEVOTED DUAL PLUS 003 CO (HMO D-SNP) Devoted Health · H7147-003-000 | HMO | Only for people who have Medicaid as well as Medicare | $17.60/mo | $9,250 | 4.0★ |
| UHC Dual Complete CO-S002 (HMO-POS D-SNP) UnitedHealthcare · H0624-001-000 | HMO-POS | Only for people who have Medicaid as well as Medicare | $20.60/moGives back $0.20/mo of your Part B premium | $9,250 | 4.0★ |
| Aetna Medicare Dual Extra Care (HMO D-SNP) Aetna Medicare · H3931-175-000 | HMO | Only for people who have Medicaid as well as Medicare | $21.80/mo | $9,250 | 3.0★ |
| UHC Dual Complete CO-S001 (PPO D-SNP) UnitedHealthcare · H2001-053-000 | PPO | Only for people who have Medicaid as well as Medicare | $24.50/moGives back $0.60/mo of your Part B premium | $9,250 | 4.5★ |
| HumanaChoice SNP-DE H5216-267 (PPO D-SNP) Humana · H5216-267-000 | PPO | Only for people who have Medicaid as well as Medicare | $26.60/mo | $9,250 | 3.5★ |
| DEVOTED DUAL FULL 012 CO (HMO D-SNP) Devoted Health · H7147-012-000 | HMO | Only for people who have Medicaid as well as Medicare | $27.10/mo | $9,250 | 4.0★ |
| Anthem Dual Advantage (HMO D-SNP) Anthem Blue Cross and Blue Shield · H4346-014-000 | HMO | Only for people who have Medicaid as well as Medicare | $28.90/mo | $9,250 | 3.5★ |
| UHC Dual Complete CO-S4 (HMO-POS D-SNP) UnitedHealthcare · H0624-006-000 | HMO-POS | Only for people who have Medicaid as well as Medicare | $35/moGives back $1.50/mo of your Part B premium | $9,250 | 4.0★ |
| UHC Dual Complete CO-V001 (PPO D-SNP) UnitedHealthcare · H2001-052-000 | PPO | Only for people who have Medicaid as well as Medicare | $35.20/moGives back $1.60/mo of your Part B premium | $5,900 | 4.5★ |
| Longevity Health Plan (HMO I-SNP) Longevity Health Plan · H0363-001-000 | HMO | Only for people who live in a nursing home, or need that level of care at home | $35.20/moGives back $1.50/mo of your Part B premium | $9,250 | 5.0★ |
| UHC Nursing Home Plan CO-F001 (PPO I-SNP) UnitedHealthcare · H0710-007-000 | PPO | Only for people who live in a nursing home, or need that level of care at home | $35.20/moGives back $1.10/mo of your Part B premium | $9,250 | 4.5★ |
| Perennial Advantage Strive (HMO I-SNP) Perennial Advantage · H3419-001-000 | HMO | Only for people who live in a nursing home, or need that level of care at home | $35.20/mo | $9,250 | Not yet rated |
| DEVOTED C-SNP PREMIUM 009 CO (HMO C-SNP) Devoted Health · H7147-009-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $35.20/mo | $4,200 | 4.0★ |
| DEVOTED C-SNP PLUS 013 CO (HMO C-SNP) Devoted Health · H7147-013-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $35.20/mo | $9,250 | 4.0★ |
PACE
PACE isn't a special needs plan, but it isn't open to everyone either: it is for people 55 and older who need a nursing-home level of care and can live safely at home with its help. Sold here: Total Longterm Care - Dual eligibles (PACE), Total Longterm Care - Medicare only (PACE), TRU Community Care (PACE), TRU Community Care (PACE), Colorado PACE (PACE), Colorado PACE - Medicare Only (PACE).
Medicare Advantage plans without drug coverage 7
Medical coverage only. These suit people who get their drugs elsewhere, such as from the VA or an employer, since you generally can't add a separate Part D plan to them.
| Plan | Network | Premium | Out-of-pocket limit | Stars |
|---|---|---|---|---|
| DEVOTED CHOICE MA ONLY 004 CO (PPO) Devoted Health · H4808-004-000 | PPO | $0/moGives back $165/mo of your Part B premium | $7,900 | 4.0★ |
| AARP Medicare Advantage Patriot No Rx CO-MA01 (HMO-POS) UnitedHealthcare · H0609-018-000 | HMO-POS | $0/moGives back $150/mo of your Part B premium | $4,200 | 4.5★ |
| Select Health Medicare NoRx (HMO) Select Health · H1994-033-000 | HMO | $0/moGives back $121/mo of your Part B premium | $6,750 | 4.5★ |
| Humana USAA Honor Giveback (PPO) Humana · H5216-436-002 | PPO | $0/moGives back $90/mo of your Part B premium | $6,200 | 3.5★ |
| Aetna Medicare Eagle (PPO) Aetna Medicare · H5521-378-000 | PPO | $0/moGives back $80/mo of your Part B premium | $5,500 | 4.5★ |
| Aetna Medicare Eagle (HMO-POS) Aetna Medicare · H4711-010-000 | HMO-POS | $0/moGives back $60/mo of your Part B premium | $5,500 | 3.5★ |
| HumanaChoice H5216-437 (PPO) Humana · H5216-437-001 | PPO | $0/mo | $4,150 | 3.5★ |
Medigap (Medicare Supplement)
A Medigap policy pays some or all of what Original Medicare leaves you owing, and works with any doctor who takes Medicare. The coverage of each plan letter is the same whichever company sells it; only the price differs.
- Plan G: $128–$790/mo from 33 companies, at age 65.
- Plan N: $93–$771/mo from 28 companies, at age 65.
Discussion
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