Medicare SHIP

07/14/2026

Confused about who pays first? Is it Medicare or your other insurance? Understanding the difference between primary and secondary coverage can help you avoid unexpected costs and headaches. Our infographic makes it easy to see how Medicare works with retiree insurance, COBRA, and more. Take a look and make sure you’re making the most of your coverage!

06/19/2026

We are holding our annual Resource EXPO June 25, 3 - 6 pm.
This is always a great opportunity for the public to find resources and our partnering agencies to learn about each other's services for older adults. Please plan to attend.

05/17/2026

If you’re just becoming eligible for Medicare, you have a special window, your Initial Enrollment Period, to sign up for a Part D plan. Enrolling on time helps you avoid late penalties and ensures you have the coverage you need.
See our infographic for key enrollment dates and tips, and connect with the State Health Insurance Assistance Program (SHIP) for free, unbiased help.

02/27/2026

Did you lose your UnitedHealthCare / Rocky Mountain HealthCare advantage Plan Dec. 31, 2025?
Your window to get a new Part D and a Medicap (supplement) is about to expire. You have no more than 63 days after your Medicare Advantage Plan coverage ends because your plan stops giving care in your area to get a Medicap plan with guaranteed issue right. If you miss the window you may have to go through underwriting and may not be accepted into a plan. If you have Extra Help for Part D, you will have an extended time to get a Part D plan, otherwise you may have to wait until open enrollment if you miss the window which ends two months after your MAP ends.
You can join a Part D plan and learn about Medicap plans on the official medicare.gov website. https://www.medicare.gov/health-drug-plans/medigap

Medigap is extra insurance you can buy from a private health insurance company to help pay your share of out-of-pocket costs in Original Medicare.

12/15/2025

Lots to learn and a great lunch provided from MRH. RSVP at 970-326-3188

Please make time for this important information. Free Lunch! !

11/21/2025

Come join us at the Senior Social Center of Craig , 775 Yampa Ave., for a Community Workshop to learn about what happens when you lose your Advantage plan. You need to get a part d plan and look at your Medigap options.

10/20/2025

It is open enrollment, and we are here to help you navigate it.
Many of you have gotten a notice about your United Healthcare Advantage plan no longer covering our areas. This is true, only participants that qualify for the dual plans can be covered with a dual advantage plan in Moffat County. We know this can be a scary and confusing situation. For many it will add a big burden. You will need to go back to Original Medicare, get a part D drug plan and may be responsible for deductibles and copays. This is a perfect time to check your eligibility for an MSP -Medicare Savings Plan (pays for your part B premium and may qualify you for a dual plan), or Long-term care Medicaid might be an option. You qualify for these services through DHS - Department of Human Services. You may also qualify for Extra Help with the cost of drugs, and we can help you apply through the Social Security Administration, which is responsible for Medicare.
For many this can be an opportunity. With their plan leaving the area, it DOES open up a Guaranteed Issue Period to get a Medicap (Supplement) plan without going through underwriting. Those that missed their original period or had switched to an advantage plan, this is your chance. There are many Medicap plan providers with much different prices to provide the same coverage. United Healthcare still sells Medicap plans and may or may not be the best company for you. Here is the Medicare Medicap link https://www.medicare.gov/health-drug-plans/medigap
Medicare, you can go to the find Medigap policies tab to compare plans. Plan G has the most comprehensive new coverage available now, and a high-deductible G plan maybe the best option for those that need to keep their monthly premium cost as low as possible. There are multiple plans, and everyone is different, so check into what is best for you.
For help in Moffat or Rio Blanco call SHIP at 970-819-6401. Leave a message. We are usually in appointments but return calls frequently.

Medigap is extra insurance you can buy from a private health insurance company to help pay your share of out-of-pocket costs in Original Medicare.