D-SNP: 19 plans
For people with both Medicare and Health First Colorado (Colorado Medicaid).
Jefferson County, Colorado
Jefferson County, CO Medicare Plans 2027
Jefferson County has the oldest population of the nine counties in this guide, and the longest Medicare Advantage list. Here is every plan CMS lists for 2027.
- 37 Medicare Advantage plans in Jefferson County, 2027
- 34 With a $0 Part C premium (31 with $0 for Parts C and D combined)
- 10 Organizations offering plans
- 28 Special Needs Plans, counted separately
Jefferson County Medicare at a glance for 2027
- 37 Medicare Advantage plans for Jefferson County, Special Needs Plans not counted. Of those, 34 have a $0 Part C premium, and 31 have a $0 combined monthly premium for Parts C and D (26 of those include drug coverage; 5 have no drug coverage, so no Part D premium).
- In-network out-of-pocket maximums from $3,300 to $9,850 a year
- 10 insurance companies offer them
- 8 standalone Part D plans in Colorado
- You still pay the Part B premium, $202.90 a month in 2026 (the 2027 amount is announced by CMS around November)
- Annual Enrollment: October 15 to December 7, 2026, for coverage that starts January 1, 2027
Examples of plans with drug coverage and a $0 combined monthly premium for Parts C and D, by 2026 star rating and out-of-pocket limit
- AARP Medicare Advantage from UHC CO-21P (HMO-POS)UnitedHealthcare · Part C + D premium $0 a month · 4.5★ (2026) · out-of-pocket max $4,200 · drug deductible $685
- Kaiser Permanente Senior Advantage Core DM (HMO-POS)Kaiser Permanente · Part C + D premium $0 a month · 4.5★ (2026) · out-of-pocket max $4,400 · drug deductible $0
- AARP Medicare Advantage Essentials from UHC CO-2 (HMO-POS)UnitedHealthcare · Part C + D premium $0 a month · 4.5★ (2026) · out-of-pocket max $4,450 · drug deductible $685
CMS Medicare Advantage and Part D Landscape, contract year 2027. A plan's fit depends on your doctors and prescriptions; Lisa checks both before you choose.
By the numbers
2027 Medicare Advantage in Jefferson County
Every figure comes from the CMS Landscape file for contract year 2027. Special Needs Plans are counted separately.
- $6.78 Average monthly Part C premium
- $12.17 Average Part C + D premium
- 32 Plans that include drug coverage
- $3,300 Lowest in-network out-of-pocket limit
- $6,101 Average in-network out-of-pocket limit
- $9,850 Highest in-network out-of-pocket limit
- $388.63 Average Part D deductible (plans with drugs)
- 18 Plans with a 2026 rating of 4★ or more
- 4.02★ Average 2026 star rating (rated plans)
Two ways to count "$0 premium" plans: 34 have a $0 Part C premium, and 31 have a $0 combined monthly premium for Parts C and D (26 of those include drug coverage; 5 have no drug coverage, so no Part D premium). The average premium figures likewise show the Part C premium and the combined Part C + D premium separately. Star ratings shown are 2026 ratings, because CMS’s 2027 ratings are not yet in our data snapshot.
PPO plans are the largest group here (14 of 37), and 5 plans have no drug coverage.
| Plan type | Plans | $0 Part C premium | Average Part C premium | Average out-of-pocket limit | Without drug coverage |
|---|---|---|---|---|---|
| PPO | 14 | 13 | $0.64 | $7,057 | 3 |
| HMO-POS | 12 | 10 | $20.17 | $5,192 | 1 |
| HMO | 11 | 11 | $0 | $5,877 | 1 |
The county
Who lives in Jefferson County
The Census Bureau counts about 579,400 Jefferson County residents, and about 103,600 of them, 17.9%, are 65 or older, the highest share of the nine counties here. The median age is 40.5.
The Jefferson County list applies to every Jefferson County address, including the western part of Westminster. With this many plans, the useful first cut is your doctors and your hospital, then the out-of-pocket limit and drug costs.
How Lisa helps here. Jefferson County clients work with Lisa by phone or video, or at the Brighton office.
17.9% of Jefferson County residents are 65 or older, against 15.6% for Colorado, and 5.3% have no health insurance.
| Measure | Jefferson County | Colorado |
|---|---|---|
| Population | 579,377 | 5,862,189 |
| Residents aged 65 and over | 103,643 | 914,002 |
| Share aged 65 and over | 17.9% | 15.6% |
| Median age | 40.5 | Not shown |
| Median household income | $110,656 | Not shown |
| Share with no health insurance (all ages) | 5.3% | 7.7% |
I retired from the Denver Federal Center. How does my FEHB plan work with Medicare?
The Denver Federal Center sits at West 6th Avenue and Kipling Street in Lakewood. GSA describes it as a campus created after World War II from the Denver Ordnance Plant, with the government keeping 690 acres for federal agencies. If you retired from a federal agency there, or anywhere else, your Medicare choices work differently from those of most retirees.
The Office of Personnel Management (OPM) advises federal annuitants to enroll in premium-free Part A, and says most federal employees and annuitants get Part A at 65 at no cost. Part B is a separate choice: everyone pays a premium for it, and OPM points you to Social Security's premium details before deciding. Your FEHB plan continues either way, and once you are retired and on Medicare, Medicare pays first and FEHB pays second.
Whether Part B is worth its premium depends on your FEHB plan, your doctors and whether you might ever want a Medicare Advantage option. Lisa can lay out the cost of each path for your household by phone or video.
How do I apply for the Medicare Savings Program in Jefferson County?
Jefferson County Human Services takes applications for the Medicare Savings Program, which helps people with limited income and resources pay some or all of their Medicare premiums and can help with some deductibles and coinsurance. The county says no interview is required, and coverage can be backdated to provide three months of coverage before the application.
Apply through Colorado PEAK or at the Human Services building, 900 Jefferson County Parkway in Golden. Have proof of income and assets, your Medicare coverage, Jefferson County residence, age and lawful presence ready. Call 303-271-1388, or toll free 888-256-0321. The same office handles Old Age Pension for low-income residents 60 and older, which can include medical coverage through Health First Colorado or the Old Age Pension Health Care Program. Unlike the Medicare Savings Program, an Old Age Pension application is followed by an interview with an Intake Program Specialist, and some applicants must apply for Social Security benefits as part of it.
Jefferson County's Area Agency on Aging is the Denver Regional Council of Governments, whose State Health Insurance Assistance Program counselors serve Jefferson County residents with free Medicare counseling.
Which hospitals and rail lines serve Jefferson County?
In the CMS hospital file, Jefferson County's hospitals include St. Anthony Hospital at 11600 West 2nd Place in Lakewood, OrthoColorado Hospital next door at 11650 West 2nd Place, and Intermountain Health Lutheran Hospital in Wheat Ridge. Because a Medicare Advantage network can include one system's hospitals and leave out another's, check the Lakewood and Wheat Ridge hospitals by name in each plan's directory, along with any Denver hospital your specialists use.
For trips without a car, RTD's W Line light rail runs 12.1 miles from Denver Union Station to the Jefferson County Government Center in Golden, with stops that include Federal Center and Lakewood Wadsworth. It opened on April 26, 2013. Residents 60 and older who cannot use transit can ask the Denver Regional Council of Governments about its no-cost Choice Services transportation at 303-480-6700.
Can someone who is homebound in Jefferson County get vaccines at home?
Yes. Jefferson County Public Health's clinic at 645 Parfet Street in Lakewood vaccinates people of all ages, including flu and COVID-19 shots for adults, and its team can visit homes to give vaccines to people who cannot leave because of medical or mobility issues. Request a visit through the county's online interest form or call the front desk at 303-239-7040.
The clinic's insurance list names Health First Colorado and several private plans but does not say whether it bills Medicare, so ask when you call. Under Medicare, Part B covers the flu shot with nothing to pay when the provider accepts assignment, and Part D covers the shingles vaccine at no cost to you.
Local sources: GSA: Denver Federal Center Building 710 (history of the Denver Federal Center) · OPM: I'm turning 65 · Jefferson County: Medicare Savings · Jefferson County: Old Age Pension · Jefferson County: Aging and Adult services · DRCOG: State Health Insurance Assistance Program · CMS Hospital General Information (Provider Data Catalog) · Jefferson County Public Health: Immunizations · Medicare.gov: Flu shots · Medicare.gov: Shingles shot · RTD: W Line facts and figures · DRCOG: Choice Services program
Colorado totals are the sum of all 64 Colorado counties in the same Census release; a statewide median is not computed here. Survey estimates for small towns carry wide margins of error.
Every plan
2027 Medicare Advantage plans in Jefferson County
Grouped by plan type, because type decides how the network works: HMOs expect you to stay in network, PPOs let you go outside it at a higher cost.
PPO
14 plans, 13 with a $0 Part C premium, average Part C premium $0.64, average out-of-pocket limit $7,057, 3 without drug coverage.
| Plan | 2026 stars | Part C premium | Part C + D | Out-of-pocket limit | Part D deductible | Plan ID |
|---|---|---|---|---|---|---|
| Aetna Medicare Eagle (PPO)Aetna Medicare, no drug coverage | 4.5★ | $0 | Not published | $5,500 | No drug coverage | H5521_378 |
| Aetna Medicare Signature (PPO)Aetna Medicare | 4.5★ | $0 | $0 | $7,150 | $700 | H5521_250 |
| Aetna Medicare Value Care (PPO)Aetna Medicare | 4.5★ | $0 | $18.40 | $7,150 | $700 | H5521_443 |
| Humana Essentials Plus Giveback (PPO)Humana | 4.5★ | $0 | $0 | $7,850 | $450 | H7617_061 |
| Humana Value Choice (PPO)Humana | 4.5★ | $0 | $0 | $6,900 | $425 | H7617_064 |
| DEVOTED CHOICE 002 CO (PPO)Devoted Health | 4.0★ | $0 | $0 | $6,050 | $650 | H4808_002 |
| DEVOTED CHOICE GIVEBACK 003 CO (PPO)Devoted Health | 4.0★ | $0 | $0 | $8,950 | $461 | H4808_003 |
| DEVOTED CHOICE MA ONLY 004 CO (PPO)Devoted Health, no drug coverage | 4.0★ | $0 | Not published | $7,900 | No drug coverage | H4808_004 |
| Humana Essentials Plus Giveback (PPO)Humana | 3.5★ | $0 | $0 | $7,850 | $450 | H5216_435 |
| Humana USAA Honor Giveback (PPO)Humana, no drug coverage | 3.5★ | $0 | Not published | $6,200 | No drug coverage | H5216_436 |
| Humana Value Choice (PPO)Humana | 3.5★ | $0 | $0 | $6,200 | $425 | H5216_261 |
| Humana Value Choice (PPO)Humana | 3.5★ | $0 | $53 | $6,700 | $400 | H5216_078 |
| HumanaChoice H5216-223 (PPO)Humana | 3.5★ | $9 | $20 | $4,900 | $300 | H5216_223 |
| HealthSpring True Choice (PPO)HealthSpring | 3.0★ | $0 | $0 | $9,500 | $700 | H7849_147 |
HMO-POS
12 plans, 10 with a $0 Part C premium, average Part C premium $20.17, average out-of-pocket limit $5,192, 1 without drug coverage.
| Plan | 2026 stars | Part C premium | Part C + D | Out-of-pocket limit | Part D deductible | Plan ID |
|---|---|---|---|---|---|---|
| AARP Medicare Advantage Essentials from UHC CO-2 (HMO-POS)UnitedHealthcare | 4.5★ | $0 | $0 | $4,450 | $685 | H0609_012 |
| AARP Medicare Advantage Extras from UHC CO-5 (HMO-POS)UnitedHealthcare | 4.5★ | $0 | $0 | $6,900 | $685 | H0609_048 |
| AARP Medicare Advantage from UHC CO-0001 (HMO-POS)UnitedHealthcare | 4.5★ | $0 | $56 | $3,900 | $595 | H0609_007 |
| AARP Medicare Advantage from UHC CO-21P (HMO-POS)UnitedHealthcare | 4.5★ | $0 | $0 | $4,200 | $685 | H0609_079 |
| AARP Medicare Advantage Patriot No Rx CO-MA01 (HMO-POS)UnitedHealthcare, no drug coverage | 4.5★ | $0 | Not published | $5,500 | No drug coverage | H0609_018 |
| Kaiser Permanente Senior Advantage Bronze DM (HMO-POS)Kaiser Permanente | 4.5★ | $0 | $0 | $6,800 | $0 | H0630_025 |
| Kaiser Permanente Senior Advantage Core DM (HMO-POS)Kaiser Permanente | 4.5★ | $0 | $0 | $4,400 | $0 | H0630_013 |
| Kaiser Permanente Senior Advantage Gold (HMO-POS)Kaiser Permanente | 4.5★ | $194 | $194 | $3,300 | $0 | H0630_016 |
| Kaiser Permanente Senior Advantage Silver DM (HMO-POS)Kaiser Permanente | 4.5★ | $48 | $48 | $3,600 | $0 | H0630_015 |
| Anthem Medicare Advantage (HMO-POS)Anthem Blue Cross and Blue Shield | 3.5★ | $0 | $0 | $9,850 | $325 | H4346_012 |
| AARP Medicare Advantage from UHC CO-0011 (HMO-POS)UnitedHealthcare | Not rated | $0 | $0 | $5,900 | $685 | H6706_001 |
| Perennial Advantage Freedom (HMO-POS)Perennial Advantage | Not rated | $0 | $0 | $3,500 | $0 | H3419_003 |
HMO
11 plans, 11 with a $0 Part C premium, average Part C premium $0, average out-of-pocket limit $5,877, 1 without drug coverage.
| Plan | 2026 stars | Part C premium | Part C + D | Out-of-pocket limit | Part D deductible | Plan ID |
|---|---|---|---|---|---|---|
| DEVOTED CORE 004 CO (HMO)Devoted Health | 4.0★ | $0 | $0 | $4,450 | $465 | H7147_004 |
| Elevate Medicare Select (HMO)Elevate Medicare Advantage | 3.5★ | $0 | $0 | $9,850 | $300 | H5608_002 |
| Humana Essentials Plus Giveback (HMO)Humana | 3.5★ | $0 | $0 | $6,500 | $50 | H0028_063 |
| Humana Total Complete (HMO)Humana | 3.5★ | $0 | $0 | $4,750 | $0 | H0028_081 |
| Select Health Medicare Essential (HMO)Select Health | 3.5★ | $0 | $0 | $4,900 | $300 | H1994_027 |
| Select Health Medicare Veterans (HMO)Select Health, no drug coverage | 3.5★ | $0 | Not published | $6,750 | No drug coverage | H1994_033 |
| Aetna Medicare Prime (HMO)Aetna Medicare | Not rated | $0 | $0 | $5,000 | $400 | H5593_008 |
| Aetna Medicare Signature (HMO)Aetna Medicare | Not rated | $0 | $0 | $5,900 | $400 | H5593_006 |
| DEVOTED GIVEBACK EXTRAS 019 CO (HMO)Devoted Health | Not rated | $0 | $0 | $6,750 | $700 | H7147_019 |
| HealthSpring Preferred (HMO)HealthSpring | Not rated | $0 | $0 | $5,150 | $500 | H2752_005 |
| Humana Total Complete (HMO)Humana | Not rated | $0 | $0 | $4,650 | $0 | H5178_003 |
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, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
Quality
How the 2026 stars fall
CMS rates each contract from 1 to 5 stars. This shows the 2026 rating for each of the 37 Jefferson County plans, because CMS’s 2027 ratings are not yet in our data snapshot. New plans and some small contracts are not rated.
- 4.5★ 14 plans (38%)
- 4.0★ 4 plans (11%)
- 3.5★ 11 plans (30%)
- 3.0★ 1 plan (3%)
- Not rated 7 plans (19%)
No plan on the Jefferson County list has a 5-star 2026 rating.
Health profile
What is common in Jefferson County
Plan choice follows the conditions you actually live with, because they decide which specialists and drugs you need covered.
Compared with the Colorado county average, Jefferson County reads higher on high blood pressure.
| Measure | Jefferson County | Colorado county average |
|---|---|---|
| Diagnosed diabetes | 8.3% | 8.6% |
| High blood pressure | 27.7% | 27.0% |
| Obesity | 23.1% | 26.1% |
| Coronary heart disease | 5.1% | 5.1% |
| COPD | 5.0% | 5.3% |
| Adults 18 to 64 without health insurance | 8.4% | 11.1% |
| Arthritis | 25.0% | 22.9% |
| High cholesterol | 33.3% | 31.5% |
| Stroke | 2.6% | 2.7% |
CDC PLACES: Local Data for Better Health, County Data, 2025 release (2023 survey estimates), retrieved 2026-10-14. Model-based small-area estimates of crude prevalence among adults 18 and over, not a count of local diagnoses. Crude rates follow the age mix of a place: an older community reads higher on most conditions. Colorado figure: average of the 64 Colorado counties, weighted by adult population.
Why this matters for plan choice
Jefferson County runs above the Colorado county average on high cholesterol and high blood pressure. The chronic-condition Special Needs Plans on the Jefferson County list are built around: Cardiovascular Disorders; Chronic Heart Failure; Diabetes Mellitus. If you live with one of those, a C-SNP may be worth a look; you need a qualifying diagnosis to join.
What changes for 2027
Jefferson County plans: 2026 to 2027
Your plan mailed an Annual Notice of Change by September 30, 2026. It lists what changes on January 1, 2027: premium, deductible, out-of-pocket limit, copays, drug list and network. Compare it line by line, or bring it to Lisa.
Counting plans with drug coverage, Special Needs Plans included, the Jefferson County list goes from 65 plans in 2026 to 60 in 2027, and the average in-network out-of-pocket limit moves from $6,461 to $7,128.
| Measure | 2026 | 2027 |
|---|---|---|
| Plans with drug coverage (SNPs included) | 65 | 60 |
| With a $0 combined monthly premium for Parts C and D | 39 | 44 |
| Average in-network out-of-pocket limit | $6,461 | $7,128 |
| Average Part D deductible | $407.92 | $494.88 |
| Maximum Part D deductible allowed by CMS | $615 | $700 |
| Part D out-of-pocket cap | $2,100 | $2,400 |
These counts cover plans with drug coverage, Special Needs Plans included, so they differ from the headline count of 37, which leaves out Special Needs Plans and includes plans without drug coverage. Clear Spring Health has no Medicare Advantage plan with drug coverage in Jefferson County for 2027.
Of the 16 plans below, 8 plans end with no similar plan in the county, 5 plans end but the same company offers a plan with the same or a similar name under a new plan ID, and 3 plans fold into another plan automatically.
| 2026 plan | Carrier | CMS crosswalk status | Members move to |
|---|---|---|---|
UHC Dual Complete CO-S4 (HMO-POS D-SNP) H0624-006 | UnitedHealthcare | Consolidated Renewal Plan / Terminated/Non-renewed Contract | UHC Dual Complete CO-S4 (HMO-POS D-SNP)H0624-008 (moved automatically) |
HealthSpring TotalCare (HMO D-SNP) H0672-009 | HealthSpring | Terminated/Non-renewed Contract | Not moved automatically. This plan ends in this county, but HealthSpring offers a plan with the same name under a new plan ID: HealthSpring TotalCare (HMO D-SNP)H2752_009. To keep it, enroll in the new plan by December 7, 2026. |
HealthSpring TotalCare Plus (HMO D-SNP) H0672-010 | HealthSpring | Terminated/Non-renewed Contract | Not moved automatically. This plan ends in this county, but HealthSpring offers a plan with the same name under a new plan ID: HealthSpring TotalCare Plus (HMO D-SNP)H2752_008. To keep it, enroll in the new plan by December 7, 2026. |
HealthSpring Preferred (HMO) H0672-024 | HealthSpring | Terminated/Non-renewed Contract | Not moved automatically. This plan ends in this county, but HealthSpring offers a plan with the same name under a new plan ID: HealthSpring Preferred (HMO)H2752_005. To keep it, enroll in the new plan by December 7, 2026. |
Select Health Medicare + Kroger (HMO) H1994-030 | Select Health | Terminated/Non-renewed Contract | Ends with no similar plan in this county. Not moved automatically: choose a new plan. |
Select Health Medicare Flex (HMO) H1994-031 | Select Health | Terminated/Non-renewed Contract | Ends with no similar plan in this county. Not moved automatically: choose a new plan. |
Select Health Medicare Active (HMO) H1994-035 | Select Health | Terminated/Non-renewed Contract | Ends with no similar plan in this county. Not moved automatically: choose a new plan. |
Kaiser Permanente Senior Advantage Choice DM (PPO) H3138-001 | Kaiser Permanente | Terminated/Non-renewed Contract | Ends with no similar plan in this county. Not moved automatically: choose a new plan. |
Aetna Medicare Signature (HMO-POS) H3931-153 | Aetna Medicare | Terminated/Non-renewed Contract | Not moved automatically. This plan ends in this county, but Aetna Medicare offers a similarly named plan under a new plan ID: Aetna Medicare Signature (HMO)H5593_006. To keep it, enroll in the new plan by December 7, 2026. |
Aetna Medicare Signature (HMO-POS) H4711-008 | Aetna Medicare | Terminated/Non-renewed Contract | Not moved automatically. This plan ends in this county, but Aetna Medicare offers a similarly named plan under a new plan ID: Aetna Medicare Signature (HMO)H5593_006. To keep it, enroll in the new plan by December 7, 2026. |
Aetna Medicare Dual Care (HMO D-SNP) H4711-012 | Aetna Medicare | Terminated/Non-renewed Contract | Ends with no similar plan in this county. Not moved automatically: choose a new plan. |
Humana Value Plus H5216-195 (PPO) H5216-195 | Humana | Consolidated Renewal Plan | HumanaChoice H5216-223 (PPO)H5216-223 (moved automatically) |
Humana Full Access H5216-333 (PPO) H5216-333 | Humana | Terminated/Non-renewed Contract | Ends with no similar plan in this county. Not moved automatically: choose a new plan. |
HumanaChoice SNP-DE H5216-468 (PPO D-SNP) H5216-468 | Humana | Consolidated Renewal Plan | HumanaChoice SNP-DE H5216-267 (PPO D-SNP)H5216-267 (moved automatically) |
Clear Spring Health BrightPath Advantage (HMO) H6379-001 | Clear Spring Health | Terminated/Non-renewed Contract | Ends with no similar plan in this county. Not moved automatically: choose a new plan. |
Clear Spring Health Balance+ Diabetes & Heart (HMO C-SNP) H6379-002 | Clear Spring Health | Terminated/Non-renewed Contract | Ends with no similar plan in this county. Not moved automatically: choose a new plan. |
New to the Jefferson County list for 2027: UHC Dual Complete CO-S4 (HMO-POS D-SNP), HealthSpring Preferred (HMO), HealthSpring TotalCare Plus (HMO D-SNP), HealthSpring TotalCare (HMO D-SNP), Anthem Chronic Care (HMO-POS C-SNP), Humana Total Complete (HMO), Aetna Medicare Full Dual Extra Care (HMO D-SNP), Aetna Medicare Signature (HMO), Aetna Medicare Prime (HMO), DEVOTED C-SNP GIVEBACK EXTRAS 016 CO (HMO C-SNP), DEVOTED GIVEBACK EXTRAS 019 CO (HMO). Some of these carry the same or a similar name as a 2026 plan that ends (see the table above); they are new plan IDs, so members of the old plan must enroll in them.
If your plan is not renewing: you receive a non-renewal letter in October. You can pick a new plan during the Annual Enrollment Period (October 15 to December 7, 2026), and a Special Enrollment Period runs through the end of February 2027. Confirm your dates on Medicare.gov. The official Medicare & You handbook explains each option.
Hospitals
Hospitals in Jefferson County
Medicare-certified hospitals the CMS Hospital General Information file records in Jefferson County, with the CMS overall star rating. A rating is not network status: check each hospital against a plan.
3 Medicare-certified hospitals are listed; whether each is in a plan’s network is a separate question.
| Hospital | Address | Emergency services | CMS overall rating |
|---|---|---|---|
| CommonSpirit St. Anthony HospitalAcute CareCorrected: Listed in the CMS file under its former name, Centura Health St. Anthony Hospital. | 11600 West 2nd Place, Lakewood, CO 80228 | Yes | 4 of 5 |
| OrthoColorado Hospital at St. Anthony Medical CampusAcute Care | 11650 West 2nd Place, Lakewood, CO 80228 | Yes | Not available |
| Intermountain Health Lutheran HospitalAcute CareCorrected: Address updated: the CMS file still shows the former campus at 8300 West 38th Avenue. The hospital moved to its new Wheat Ridge campus in 2024. | 12911 West 40th Avenue, Wheat Ridge, CO 80401 | Yes | 4 of 5 |
Names, addresses, counties and emergency flags are shown as the CMS file records them, except rows marked "Corrected", which we checked against the hospital’s own website (listed under Sources). County pages group hospitals by the county in the CMS record.
Special needs
28 Special Needs Plans in Jefferson County
An SNP is a Medicare Advantage plan limited to people who meet a condition. They are left out of the counts above because not everyone can join.
C-SNP: 5 plans
For people with qualifying chronic conditions: Cardiovascular Disorders; Chronic Heart Failure; Diabetes Mellitus.
I-SNP: 4 plans
For people who live in, or need the level of care of, a long-term care facility.
D-SNP
19 plans, with monthly Part C + D premiums from $0 to $18.40. You must meet the plan’s condition to join.
| Plan | Type | 2026 stars | Part C + D premium | Out-of-pocket limit | Plan ID |
|---|---|---|---|---|---|
| HumanaChoice SNP-DE H7617-067 (PPO D-SNP)Humana | PPO D-SNP | 4.5★ | $0 | $9,850 | H7617_067 |
| Kaiser Permanente Dual Essential (HMO D-SNP)Kaiser Permanente | HMO D-SNP | 4.5★ | $0 | $5,900 | H0630_014 |
| Kaiser Permanente Dual Complete (HMO D-SNP)Kaiser Permanente | HMO D-SNP | 4.5★ | $0 | $9,850 | H0630_027 |
| UHC Dual Complete CO-Q2 (PPO D-SNP)UnitedHealthcare | PPO D-SNP | 4.5★ | $18.40 | $9,850 | H2001_053 |
| UHC Dual Advantage CO-V1 (PPO D-SNP)UnitedHealthcare | PPO D-SNP | 4.5★ | $18.40 | $5,900 | H2001_052 |
| DEVOTED DUAL PLUS 003 CO (HMO D-SNP)Devoted Health | HMO D-SNP | 4.0★ | $0 | $9,850 | H7147_003 |
| DEVOTED DUAL 007 CO (HMO D-SNP)Devoted Health | HMO D-SNP | 4.0★ | $0 | $4,450 | H7147_007 |
| DEVOTED DUAL FULL 012 CO (HMO D-SNP)Devoted Health | HMO D-SNP | 4.0★ | $0 | $9,850 | H7147_012 |
| UHC Dual Complete CO-Q1 (HMO-POS D-SNP)UnitedHealthcare | HMO-POS D-SNP | 4.0★ | $18.40 | $9,850 | H0624_001 |
| Humana Dual Select H0028-078 (HMO D-SNP)Humana | HMO D-SNP | 3.5★ | $0 | $6,500 | H0028_078 |
| Elevate Medicare Choice (HMO D-SNP)Elevate Medicare Advantage | HMO D-SNP | 3.5★ | $0 | $9,850 | H5608_001 |
| Anthem Dual Advantage (HMO D-SNP)Anthem Blue Cross and Blue Shield | HMO D-SNP | 3.5★ | $18.40 | $9,850 | H4346_014 |
| HumanaChoice SNP-DE H5216-267 (PPO D-SNP)Humana | PPO D-SNP | 3.5★ | $2.10 | $9,850 | H5216_267 |
| Aetna Medicare Dual Extra Care (HMO D-SNP)Aetna Medicare | HMO D-SNP | 3.0★ | $0 | $9,850 | H3931_175 |
| Aetna Medicare Full Dual Care (HMO D-SNP)Aetna Medicare | HMO D-SNP | 3.0★ | $0 | $9,850 | H3931_196 |
| Aetna Medicare Full Dual Extra Care (HMO D-SNP)Aetna Medicare | HMO D-SNP | Not rated | $0 | $9,850 | H5593_005 |
| HealthSpring TotalCare Plus (HMO D-SNP)HealthSpring | HMO D-SNP | Not rated | $18.40 | $9,850 | H2752_008 |
| HealthSpring TotalCare (HMO D-SNP)HealthSpring | HMO D-SNP | Not rated | $18.40 | $9,850 | H2752_009 |
| UHC Dual Complete CO-S4 (HMO-POS D-SNP)UnitedHealthcare | HMO-POS D-SNP | Not rated | $18.40 | $9,850 | H0624_008 |
C-SNP
5 plans, with monthly Part C + D premiums from $0 to $0. You must meet the plan’s condition to join.
| Plan | Type | 2026 stars | Part C + D premium | Out-of-pocket limit | Plan ID |
|---|---|---|---|---|---|
| UHC Complete Care CO-1P (HMO-POS C-SNP)UnitedHealthcare: Cardiovascular Disorders, Chronic Heart Failure, Diabetes Mellitus | HMO-POS C-SNP | 4.5★ | $0 | $4,100 | H0609_047 |
| DEVOTED C-SNP ENHANCED 009 CO (HMO C-SNP)Devoted Health: Cardiovascular Disorders, Chronic Heart Failure, Diabetes Mellitus | HMO C-SNP | 4.0★ | $0 | $4,700 | H7147_009 |
| DEVOTED C-SNP PLUS 013 CO (HMO C-SNP)Devoted Health: Cardiovascular Disorders, Chronic Heart Failure, Diabetes Mellitus | HMO C-SNP | 4.0★ | $0 | $9,850 | H7147_013 |
| DEVOTED C-SNP GIVEBACK EXTRAS 016 CO (HMO C-SNP)Devoted Health: Cardiovascular Disorders, Chronic Heart Failure, Diabetes Mellitus | HMO C-SNP | Not rated | $0 | $6,750 | H7147_016 |
| Anthem Chronic Care (HMO-POS C-SNP)Anthem Blue Cross and Blue Shield: Cardiovascular Disorders, Chronic Heart Failure, Diabetes Mellitus | HMO-POS C-SNP | Not rated | $0 | $5,000 | H4346_037 |
I-SNP
4 plans, with monthly Part C + D premiums from $0 to $18.40. You must meet the plan’s condition to join.
| Plan | Type | 2026 stars | Part C + D premium | Out-of-pocket limit | Plan ID |
|---|---|---|---|---|---|
| UHC Nursing Home Plan CO-F001 (PPO I-SNP)UnitedHealthcare | PPO I-SNP | 4.5★ | $0 | $9,850 | H0710_007 |
| Perennial Advantage Premier (HMO-POS I-SNP)Perennial Advantage | HMO-POS I-SNP | Not rated | $0 | $3,300 | H3419_004 |
| Perennial Advantage Strive (HMO I-SNP)Perennial Advantage | HMO I-SNP | Not rated | $14.60 | $9,850 | H3419_001 |
| Longevity Health Plan (HMO I-SNP)Longevity Health Plan | HMO I-SNP | Not rated | $18.40 | $9,850 | H0363_001 |
The other path
Medigap in Jefferson County
Every Advantage plan on this page replaces Original Medicare with a plan network. The other path keeps Original Medicare and adds a Medicare Supplement (Medigap) policy plus a separate Part D plan.
Medigap has no network: any provider that accepts Medicare accepts it, anywhere in the country. Premiums are higher than most Advantage plans, and in exchange your costs are more predictable. The Colorado Division of Insurance publishes Medigap premium charts for every company selling in the state, so you can compare the same plan letter across insurers.
Timing matters. Your 6-month Medigap open enrollment window starts when you are 65 or older and enrolled in Part B. Inside it, an insurer cannot turn you down or charge more for your health. Outside it, in most cases it can. See Medigap rules in Colorado and Medicare Advantage vs Medigap.
When you can change
How and when to enroll
You must have Medicare Part A and Part B to join a Medicare Advantage plan, and live in the plan's service area, here Jefferson County.
Initial Enrollment Period
Seven months around your 65th birthday: the 3 months before, your birthday month, and the 3 months after.
Annual Enrollment Period
October 15 to December 7, 2026. Choose or change plans for 2027; coverage starts January 1.
Medicare Advantage Open Enrollment
January 1 to March 31. If you are in a Medicare Advantage plan, you can switch plans or return to Original Medicare once.
Special Enrollment Periods
Moving, losing employer coverage, gaining or losing Health First Colorado, or a plan not renewing can open a window outside the normal calendar.
Ways to enroll: with a licensed agent such as Lisa ((303) 887-8584), directly with a plan, or on Medicare.gov. Free counseling is also available from the Colorado SHIP at 888-696-7213. More detail: Medicare enrollment periods.
Next steps
Before you choose a plan in Jefferson County
- Medigap in Colorado, including the rules for people under 65: Colorado Medigap rules.
- Standalone Part D plans are sold statewide: the full 2027 list is on the Colorado page, and how they work in Part D explained.
- Under 65 in Jefferson County? Plans and tax credits come through Connect for Health Colorado: the guide and the subsidy calculator.
- When you can join or switch: Medicare enrollment periods. To compare the plans above for your own doctors and prescriptions, call Lisa at (303) 887-8584 or use Compare 2027 plans.
Plain English
Medicare plan terms on this page
- Medicare Advantage (Part C)
- A Medicare approved plan from a private company that provides your Part A and Part B benefits in place of Original Medicare. Most include drug coverage and some extras. You keep paying your Part B premium.
- $0 Part C premium
- The plan charges no monthly premium of its own for medical coverage. You still pay your Part B premium, any drug premium the plan lists, and copays or coinsurance when you use care.
- In-network out-of-pocket maximum (MOOP)
- The most you pay in a calendar year for covered Part A and Part B services from in-network providers. Once you reach it, the plan pays for covered in-network care for the rest of the year. Premiums and Part D drug costs do not count toward it.
- HMO
- Health Maintenance Organization. You generally use doctors and hospitals in the plan network, except for emergencies and urgent care, and many HMOs ask for a referral before you see a specialist.
- PPO
- Preferred Provider Organization. You can use doctors in or out of the network, but out-of-network care usually costs more. Referrals are usually not required.
- HMO-POS
- An HMO with a point of service option. You mostly use the network, but the plan lets you get some services out of network, usually at a higher cost.
- Special Needs Plan (SNP)
- A Medicare Advantage plan open only to people with particular needs: both Medicare and Medicaid (Health First Colorado in Colorado), certain chronic conditions, or living in an institution such as a nursing home.
- Star rating
- A yearly CMS quality score from 1 to 5 stars, based on measures such as preventive care, member experience and customer service. It describes the plan overall; it does not tell you whether your doctors or drugs are covered.
FAQ
Jefferson County Medicare questions
How many Medicare Advantage plans are available in Jefferson County for 2027?
Jefferson County has 37 Medicare Advantage plans for 2027 (Special Needs Plans not included) from 10 organizations. Of those, 34 have a $0 Part C premium, and 31 have a $0 combined monthly premium for Parts C and D (26 of those include drug coverage; 5 have no drug coverage, so no Part D premium). You still pay the Part B premium, which is $202.90 a month in 2026; the 2027 amount is announced around November 2026. Source: CMS 2027 Landscape file.
Which Westminster addresses use the Jefferson County list?
Addresses in the Jefferson County part of Westminster, home to about 45,600 residents in the State Demography Office estimates. The rest of the city uses the Adams County list.
Which Jefferson County hospitals are in the CMS file?
Intermountain Health Lutheran Hospital in Wheat Ridge and CommonSpirit St. Anthony Hospital in Lakewood, each rated 4 out of 5, plus OrthoColorado Hospital in Lakewood, which has no published rating. The CMS file also places UCHealth Broomfield Hospital in Jefferson County, but its Destination Drive address is in Broomfield, so it is listed on the Broomfield County guide.
What changes for Medicare plans in Jefferson County in 2027?
Counting Medicare Advantage plans with drug coverage, Special Needs Plans included, Jefferson County goes from 65 plans in 2026 to 60 in 2027. (The headline count of 37 plans on this page leaves out Special Needs Plans and includes plans without drug coverage, which is why the numbers differ.) The CMS crosswalk shows 8 plans ending with no similar plan in the county, 5 plans ending while the same company offers a plan with the same or a similar name under a new plan ID (members must enroll in it themselves), 3 plans folding into another plan automatically, and 11 new plans. Clear Spring Health has no Medicare Advantage plan with drug coverage in Jefferson County for 2027. Your plan’s Annual Notice of Change lists what changes for you on January 1.
What does local data say about health coverage in Jefferson County?
Census figures (ACS 2020 to 2024 5-year estimates) show 5.3% of Jefferson County residents with no health insurance, against 7.7% for Colorado. People under 65 can shop for coverage on Connect for Health Colorado, the state’s own marketplace; open enrollment for 2027 coverage starts November 1, 2026.
Provenance
Sources and methodology
- Plan data: CMS Medicare Advantage / Part D Landscape, contract year 2027 (https://www.cms.gov/files/zip/cy2027-landscape-202609.zip), filtered to Jefferson County (FIPS 08059), retrieved 2026-10-14. Star ratings: CMS 2026 Star Ratings joined by plan ID (CMS’s 2027 ratings are not yet in our data snapshot).
- 2027 changes: CMS Landscape 2026 (https://www.cms.gov/files/zip/cy2026-landscape-202609.zip) and 2027, with the CMS CY2026 to CY2027 plan crosswalk, retrieved 2026-10-14.
- Health data: CDC PLACES: Local Data for Better Health, County Data, 2025 release (2023 survey estimates), retrieved 2026-10-14. Model-based small-area estimates of crude prevalence among adults 18 and over, not a count of local diagnoses. Query: https://data.cdc.gov/resource/swc5-untb.json?locationid=08059&datavaluetypeid=CrdPrv.
- Demographics: U.S. Census Bureau ACS 2020 to 2024 5-year estimates, Jefferson County, Colorado, retrieved 2026-10-14. Queries: detailed tables and subject table S2701. Residents 65 and over are the sum of the 12 age groups 65 and older in table B01001.
- Hospitals: CMS Hospital General Information (Provider Data Catalog) (https://data.cms.gov/provider-data/dataset/xubh-q36u), Colorado records retrieved 2026-10-14 from the data.cms.gov Provider Data API. Corrections checked against the hospitals’ own websites: uchealth.org/locations/uchealth-broomfield-hospital, intermountainhealthcare.org/locations/intermountain-health-lutheran-hospital, adventhealth.com/hospital/adventhealth-avista/emergency-care, mountain.commonspirit.org/location/st-anthony-north-hospital, mountain.commonspirit.org/location/st-anthony-hospital.
- Colorado programs: SHIP phone and Medigap premium charts from the Colorado Division of Insurance.
- Federal figures: 2026 Part B premium and deductible and Part D base premium ($38.99) from CMS. 2027 values are announced around November 2026.
How the figures are derived
- Headline plan counts and averages exclude Special Needs Plans, which have their own eligibility rules and are reported separately.
- "$0 Part C premium" counts plans whose Part C premium is $0. "$0 combined monthly premium for Parts C and D" counts plans whose consolidated Part C + D premium is $0 (for a plan without drug coverage, its Part C premium); our guides and blog use this second count. Out-of-pocket limits are in-network amounts. The average Part D deductible covers plans with drug coverage only.
- The 2026 to 2027 comparison counts Medicare Advantage plans with drug coverage, Special Needs Plans included, and its "$0" row uses the combined Part C + D premium, so it differs from the headline count.
- When the CMS crosswalk ends a plan with no successor but the same company files a plan with the same or a similar name under a new plan ID, we say so; members are not moved into the new ID automatically.
- We do not publish per-plan enrollment: the source does not carry it, and we never estimate plan figures.
Headwaters Health and Wealth is not connected with or endorsed by the United States government or the federal Medicare program. Medicare has neither endorsed nor reviewed this information.
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Let's talk about your coverage in Jefferson County
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992 South Fourth Avenue, Brighton, CO 80601 · (303) 887-8584
Content reviewed by Lisa Asmussen, Medicare Broker and Licensed Insurance Agent at Headwaters Health and Wealth in Brighton, Colorado, certified to sell Medicare plans since 2018 (8 years). Last updated .