Insurance Services in Brighton, CO

Start here if you are turning 65, new to Medicare, or on a plan that changed for 2027. There are two routes. Medicare Advantage puts your hospital, medical and usually drug coverage in one private plan with a yearly out-of-pocket limit and a network. Original Medicare with a Medicare Supplement (Medigap) plan lets you see any doctor who accepts Medicare, and you add a Part D plan for drugs. Lisa checks your doctors, your hospital and every prescription before comparing either route, and Annual Enrollment runs October 15 to December 7, 2026.

We do not offer every plan available in your area. Currently we represent 10 organizations which offer 106 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Start here if you are under 65 and buy your own coverage: self-employed, between jobs, retiring early or covering a family. Colorado runs its own marketplace, where tax credits are based on household income, and Open Enrollment for 2027 coverage runs November 1, 2026 to January 15, 2027. Early retirees should read the pre-65 page first, anyone with a short gap should read the short-term medical page before buying anything.

Start here once your main coverage is settled and you want help with what it leaves out. Dental and vision cover routine care Original Medicare does not. Critical illness, cancer and hospital indemnity policies pay cash to you, which suits a plan with daily hospital copays or a high out-of-pocket maximum. Short-term care covers a recovery at home or in a facility, and travel cover fills the gap Medicare leaves abroad. Lisa reads your own plan first so a policy is sized to a real cost, not added on top of one you already have covered.

Start here if you want a small permanent policy that pays for a funeral, burial or cremation and final bills, so your family is not left with them. The main choice is simplified issue, with a few health questions, against guaranteed issue, with none but a waiting period. Lisa explains which you are likely to qualify for before you apply.

Start here if retirement is a few years away or you have just retired. The no-cost retirement planning review puts health coverage before 65, your Medicare dates, Social Security timing and income protection on one timeline. Annuities are discussed only after that review, when part of your savings should become guaranteed growth or income, with every surrender charge shown in dollars first.