Medicare Supplement

Which Medigap letters can Aurora newcomers buy today?

If you are new to Medicare in Aurora and thinking about a Medigap policy, the first thing to understand is that these plans come in standardized letters set by federal law. That means a Plan G sold by one company covers the same things as a Plan G sold by another. What changes is the price and the company behind it — not the benefits inside the letter.

Medicare SupplementAurora, CO

Aurora sits in Arapahoe County, and Colorado follows the federal standardized Medigap design. So the menu of letters you can shop is the same across the state, whether you live in Aurora, Denver or a small town on the Eastern Plains.

The plan letters you can buy in Colorado today

Colorado uses the federal standardized Medigap letters. If you are newly eligible for Medicare today, these are the plans available to you:

• Plan A
• Plan B
• Plan D
• Plan G
• Plan G High-Deductible (Plan G-HD)
• Plan K
• Plan L
• Plan M
• Plan N

Plans C and F still exist, but only for people who became eligible for Medicare before January 1, 2020. If that is you, you can still apply for one. If you turned 65 in 2020 or later, those two letters are off the table by federal rule.

Each letter is a fixed package of benefits. For example, Plan G covers the same gaps in Original Medicare no matter which company sells it. That is the whole point of standardization — it makes shopping easier because you are really just comparing price and service, not benefits.

How Medigap fits with Original Medicare and Part D

A Medigap policy is designed to sit alongside Original Medicare — that is, Part A (hospital) and Part B (medical). After Medicare pays its share of a covered service, your Medigap policy picks up some or all of the coinsurance, copays and deductibles, depending on the letter you chose.

A few points that trip people up:

• Medigap does not work with a Medicare Advantage plan. You pick one path or the other.
• Medigap does not include prescription drug coverage. If you want drug coverage, you generally add a stand-alone Part D plan.
• Medigap does not cover things Medicare itself does not cover, like most dental, vision or hearing care.

For 2026, Part D has an out-of-pocket cap of $2,100 and a maximum deductible of $615. The old coverage gap (the “donut hole”) was eliminated in 2025, so Part D now has three phases instead of four. There is also the Medicare Prescription Payment Plan, an optional program that lets you spread your drug costs across the year in monthly installments instead of paying big amounts at the pharmacy counter.

Colorado rules that shape your choice

A few state and federal rules matter especially for Aurora shoppers:

• Your Medigap Open Enrollment Period. This is a six-month window that starts the month you are 65 or older and enrolled in Part B. During it, you have a guaranteed right to buy any Medigap plan sold in Colorado, at the best available rate for your age group, regardless of your health history.
• Guaranteed issue rights. Outside that six-month window, federal law still gives you a guaranteed right to buy certain Medigap plans in specific situations — for example, if a plan you were on ends coverage in your area.
• State-specific protections. Colorado has its own consumer protections around Medigap, and rules can change. For anything beyond the federal baseline — including any state-level rights around switching plans — check with the Colorado Division of Insurance or the state SHIP (called the State Health Insurance Assistance Program).

Outside your open enrollment window and any guaranteed-issue situation, insurers in Colorado can generally use medical underwriting when you apply. That means your health can affect whether you are accepted and what you pay.

How premiums are set — and why the same letter costs different amounts

Because benefits are locked in by letter, the main way insurers compete is on price. But even price is not one number — companies use different pricing methods:

• Attained-age: premiums rise as you get older.
• Issue-age: premiums are based on how old you were when you first bought the policy.
• Community-rated: everyone in the same area pays the same, regardless of age.

Two people in Aurora, both on Plan G, can pay very different amounts depending on which insurer they chose and which pricing method that insurer uses. When you compare quotes, it is worth asking the company which method they use, so you know how the premium is likely to behave over time.

How to find insurers selling Medigap in Aurora

There is no single official list of every insurer in this article, but you have three reliable places to look:

1. Medicare.gov Medigap policy search. Enter your Aurora ZIP code to see companies licensed to sell each plan letter in your area, along with contact information. 2. The Colorado Division of Insurance Medigap rate guide. The state publishes rate information to help residents compare. 3. Colorado SHIP counselors. They give free, unbiased Medicare help and can walk you through your options without trying to sell you anything.

The table below lists every plan letter available. Use it as your checklist when you compare quotes — make sure every insurer is quoting you the same letter before you compare prices.