Guiding You Through Medicare and Beyond

We specialize in helping older adults navigate Medicare, life insurance, and supplemental insurance with personalized, expert guidance to ensure they have the coverage they need to thrive in their golden years.

Everything you need, all in one place.

Navigating the world of Medicare and insurance can be confusing and stressful, leaving many worried about whether they have the right coverage or if they’re making the best decisions for their future. Since 1983, we have provided unparalleled expertise and personalized service to ensure you receive the best coverage possible.

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Medicare

Before choosing a plan we want to be sure you know the difference between your many options.

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Hospital Indemnity

Coverage that provides financial assistance for hospital stays and related expenses.

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Medicare Supplemental

Enhance your Medicare with additional coverage to help cover out-of-pocket costs.

other ways we help

Your One-Stop Insurance Resource

Protecting your well-being goes beyond healthcare. Our supplemental insurance plans offer additional benefits such as telehealth services, worldwide emergency coverage, and more, giving you the confidence to live life to the fullest.

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Life Insurance

Ensure your loved ones are protected and secure their future with our tailored insurance policies.

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Supplemental Insurance

Enhance your coverage with our range of options, including vision, dental, hearing, and fitness plans.

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Medicare Education

Maximize your benefits and navigate your options with our expert guidance and educational resources.

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Life Insurance

Protect your loved ones with customizable life insurance plans that provide peace of mind for the future.

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Long-Term Care

Cover the costs of long-term care needs, ensuring you can maintain your quality of life without financial strain during periods of extended assistance.

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Annuities

Annuity options offer a reliable way to grow and protect your assets, providing a steady income stream for a secure financial future.

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Over 40 Years of Serving Seniors with Integrity and Care

Navigating the world of Medicare and insurance can be confusing and stressful, leaving many worried about whether they have the right coverage or if they’re making the best decisions for their future. Since 1983, we have provided unparalleled expertise and personalized service to ensure you receive the best coverage possible.

Explore Our $0 Premium Plan Options

At Front Range Benefits, we believe that quality healthcare should be accessible and affordable for everyone. That's why we offer $0 premium plan options that provide comprehensive coverage without the financial burden. That's Affordable Coverage Without Compromise.

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IN THE NEWS

Read up on the latest changes.

Explore our timely takes on the state of Medicare and the health insurance industry, so you can make the best of your golden years.

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The Hidden Costs of Healthcare: How Medicare Advantage Plans Can Save You Money

By duda • June 5, 2024
While Original Medicare provides essential healthcare coverage for seniors, it doesn't cover everything. Medicare Advantage plans, also known as Medicare Part C, offer an alternative way to receive your Medicare benefits and can help you save money on out-of-pocket costs. One of the main advantages of Medicare Advantage plans is their comprehensive coverage, which often includes benefits not covered by Original Medicare, such as dental, vision, and prescription drug coverage.  Another way Medicare Advantage plans can save you money is by offering out-of-pocket cost protections, such as annual out-of-pocket maximums. Once you reach this limit, the plan pays 100% of covered medical expenses for the rest of the year, providing financial security and peace of mind. Additionally, many Medicare Advantage plans have $0 or low monthly premiums, making them an affordable option for seniors on a fixed income. Medicare Advantage plans also offer flexibility and convenience, allowing you to receive all your healthcare services through one plan and one insurance carrier. This can streamline your healthcare experience and eliminate the need to manage multiple insurance policies. By understanding the hidden costs of healthcare and exploring the benefits of Medicare Advantage plans, you can make informed decisions about your Medicare coverage and potentially save money in the process.
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Navigating the Basics: Understanding Medicare Enrollment Periods

By duda • May 14, 2024
Medicare enrollment periods can be confusing, but they're crucial to getting the coverage you need. Understanding these periods is the first step towards making informed decisions about your healthcare. The Initial Enrollment Period (IEP) is the most important, as it's when you first become eligible for Medicare. This seven-month window begins three months before your 65th birthday, includes your birthday month, and extends for three months afterward. Missing this deadline could result in penalties and delays in coverage, so it's essential to mark your calendar and enroll on time. Another enrollment period to be aware of is the Annual Enrollment Period (AEP), also known as the Open Enrollment Period. This period runs from October 15th to December 7th each year, during which you can make changes to your Medicare coverage. This includes switching from Original Medicare to Medicare Advantage, or vice versa, as well as adding or dropping prescription drug coverage. Understanding these enrollment periods and their significance can help you avoid gaps in coverage and ensure you have the right plan for your needs. Lastly, there's the Special Enrollment Period (SEP), which allows you to make changes to your Medicare coverage outside of the standard enrollment periods. Qualifying events, such as moving to a new area or losing employer-sponsored coverage, may trigger an SEP. By knowing the ins and outs of these enrollment periods, you can take control of your healthcare and make informed decisions that support your well-being and financial security. Contact us for enrollment dates as they can often be confusing.