Business Details
Your Trusted Medicare Insurance Partner in Colorado
Health A Quote has been a trusted resource for health insurance guidance since long before the Affordable Care Act reshaped the industry. Our team specializes in demystifying Medicare options, including Original Medicare, Medigap plans, and Medicare Advantage, while maintaining a deep understanding of legacy plans and transitions. With a Better Business Bureau A+ rating since 1979, we combine decades of experience with personalized service to help Coloradans navigate complex insurance decisions. Our brokers provide no-cost, no-obligation consultations to ensure clients find coverage that matches their specific needs. We pride ourselves on transparency, maintaining strict privacy for all personal information shared during the enrollment process.From initial enrollment periods to special circumstances requiring plan adjustments, our local expertise helps clients make informed decisions. As seasoned professionals, we assist with financial aid applications, plan comparisons, and ongoing support for policy renewals or issue resolution. Our commitment extends beyond transactional interactionswe aim to build lasting relationships through reliable, ethical guidance. Whether clients need clarification about Part A/B differences or want to explore prescription drug coverage options, our team provides clear explanations without industry jargon. Serving Colorado communities since our founding, we remain dedicated to simplifying health insurance complexities for every client.
Services
Medicare Plans
Medigap
Medicare Part A/B
Medicare Part C/D
Enrollment Assistance
Highlights and features
- We provide no-cost, no-obligation Medicare consultations
- Our team holds a BBB A+ rating since 1979
- We specialize in both Original Medicare and Medicare Advantage plans
- We offer personalized plan comparisons based on individual needs
- We provide ongoing support for policy renewals and issue resolution
Associations and certifications
- Better Business Bureau (BBB)
Services
Medicare Plans
We help clients understand and select appropriate Medicare plans, including Original Medicare and Advantage options. Our experts explain coverage details, enrollment periods, and eligibility requirements. We provide personalized comparisons to help clients choose plans that match their healthcare needs and budget.
Medigap Plans
Our team specializes in Medicare Supplement Insurance (Medigap) plans that help cover out-of-pocket costs. We explain how these plans work with Original Medicare and help clients evaluate options based on their specific medical needs and financial situation.
Enrollment Assistance
We guide clients through the Medicare enrollment process, helping with paperwork and deadlines. Our services include explaining initial enrollment periods, special enrollment circumstances, and re-enrollment options while ensuring accurate completion of all required documentation.
Prescription Drug Plans
We help clients evaluate Medicare Part D prescription drug coverage options. Our experts compare formularies, costs, and pharmacy networks to find plans that cover clients' medications at the most affordable prices while explaining coverage limitations and exceptions.
Group Health Plans
We provide guidance for businesses and employees navigating group health insurance options. Our services include explaining how group plans interact with Medicare eligibility, comparing coverage options, and helping with transitions between employer-sponsored insurance and Medicare plans.
People
Michael Horvat
Medicare Insurance Broker
Michael Horvat is a Colorado-licensed insurance broker with extensive experience in Medicare solutions. He specializes in helping clients understand Original Medicare, Medicare Advantage, and supplemental plans while providing personalized guidance through the enrollment process.
Questions
What is the difference between Medicare Part A and Part B?
Medicare Part A covers hospital stays, skilled nursing facility care, hospice, and some home health care. Part B covers doctor visits, outpatient care, preventive services, and medical supplies.
How do Medigap plans work with Original Medicare?
Medigap plans help cover out-of-pocket costs like deductibles, copayments, and coinsurance not covered by Original Medicare. They work alongside Parts A and B to reduce your healthcare expenses.
When can I enroll in Medicare?
Your Initial Enrollment Period starts 3 months before your 65th birthday and ends 3 months after. Special enrollment periods may apply for certain life circumstances or employment situations.
What services does Medicare Part C include?
Medicare Advantage (Part C) combines Parts A and B coverage through private insurers. Many plans include additional benefits like vision, dental, prescription drugs, and wellness programs not covered by Original Medicare.
How much does Medicare cost?
Costs vary by plan type. Original Medicare has standard premiums and deductibles. Medigap plans have separate premiums. Medicare Advantage plans often have lower premiums but may have network restrictions and additional fees.
Can I change my Medicare plan after enrollment?
Yes, you can make changes during the Annual Enrollment Period (October 15-December 7) or qualify for a Special Enrollment Period if you experience specific life events like moving or losing other coverage.
