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Medicare Planning

When the time comes to enroll in a Medicare plan, the options may feel overwhelming. Our Medicare consultancy advisors in Denver, Colorado will help you understand everything you need to know about the program so you can make an informed decision when selecting your coverage.

Learn more about what Medicare covers, how much it costs, how to enroll, and what we will do to guide you through the process and make it more manageable. Call our office to speak with a Medicare consultancy advisor today.

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What is Medicare?

Medicare is a government run health insurance program for seniors age 65 and older, those under 65 with certain disabilities, and those with end-stage renal disease.

What Is the Difference Between Medicare and Medicaid?


  • This is a federal insurance program for individuals older than 65 — or younger than 65 if you have a disability
  • Participants may pay small monthly premiums for non-hospital coverage
  • Fairly standard across the United States


  • This is an assistance program for low-income individuals of all ages
  • There is usually no cost for covered medical expenses — though a small copayment is sometimes required
  • Program varies from state to state

What You Need to Know About Medicare in
Denver, Colorado

Participation in this health care plan for seniors is essentially mandatory if you want to have health insurance. While you can, and probably should, have additional private insurance, you must enroll in Medicare in order for supplemental insurance to take effect.

When you turn 65, Medicare becomes the primary insurance/payor for most Americans. Under Original Medicare, any private insurance you may have is secondary and will not pay until Medicare has paid its share. If you are still working and covered by an employer health insurance plan that covers 20 or more employees, that will remain the primary payor before Medicare.

What Does

Medicare Cover?

There are several parts to Medicare. Whether you are in Denver, Colorado or Dallas, Texas, it is important to understand what is covered so you can make the most informed decisions as you approach this stage of your life.

  • Part A covers part of the cost of hospitalizations.
  • Part B covers part of the cost of doctor visits and other health care services.
  • Part C are Medicare Advantage plans sold by private insurance companies and take the place of Original Medicare (Parts A & B).
  • Part D covers part of the cost of prescription drugs and is offered through private insurers.
  • Medicare Supplement Plans (or Medigap) help pay some of the health care costs that Original Medicare doesn’t cover, such as co-payments, co-insurance and deductibles. This is provided by private insurance companies.

What Does Medicare Not Cover?

  • Long-term care insurance
  • Dentures
  • Cosmetic Surgery
  • Acupuncture
  • Eye examinations related to prescription glasses
  • Hearing aids and exams for fitment
  • Routine foot care
  • Most dental care

We Are Here to Help

By leveraging our disciplined investment process, you receive complete transparency of information, straightforward costs, and proactive investment management services. Located just outside Denver, Colorado, Dechtman Wealth Management is built on the foundation of trust that we have with our clients. Since our founding in 1984, we have acted as fiduciaries and always put our clients first.

If you want to start preparing for your retirement or would like a second opinion on your investments, give us a call and we would be happy to visit with you.