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Medicare 101
Start with what each part actually does. Then connect it to the two things that decide most of what you will pay: the prescriptions you take and the doctors you see.
In person, once a quarter
Everything on this page, in person, with somewhere to put your hand up. Juan runs it about once a quarter. It is free, nothing is sold, and no plan gets named.
Bring a notebook and bring your questions. If you would rather talk one to one instead, that is a different conversation and it is also free.
Reserve a seat
No date on the form yet — put your name down and we will tell you when the next one is, and where.
Save me a seatName, email and a phone number if you want us to call. Registering is only so we know how many chairs to put out — nobody gets turned away at the door.
Compare the pieces
This table is a starting point, not a plan recommendation. It is here so the questions each part is meant to answer are clear before anyone starts naming plans.
| Medicare piece | What it helps with | Question to ask |
|---|---|---|
| Part A | Hospital-related coverage | When does hospital coverage start for me? |
| Part B | Medical and outpatient coverage | How does Part B fit with my work or retiree coverage? |
| Part C | Medicare Advantage plan option | Do the plan network and rules fit my doctors and care routine? |
| Part D | Prescription drug coverage | Is every medication I take actually on this plan's covered drug list, and in which price group? |
| Medigap | Supplement coverage with Original Medicare | Would supplement coverage fit my budget and travel needs? |
Medicare has several parts, and each answers a different coverage question. Before choosing a plan, understand what each piece is meant to do and how it connects to the care you actually use.
If you are approaching 65, your first window is seven months long: the three months before the month you turn 65, your birthday month, and the three months after. Signing up in one of those first three months is the only way to start coverage with no gap.
Past that, your timing depends on whether you still have coverage through work, when you plan to retire, and whether you are already enrolled. Confirm your exact dates before taking action, because a missed window can create a penalty that follows you permanently.
See every enrollment window, and which one is yoursRather just ask someone
Bring the card, the letter, or just the question. We will read it with you, and there is no charge for the conversation.
For most people the surprise is not the premium. It is a prescription. A plan with an attractive premium can put one of your medications on a tier that costs more over the year than the premium difference saves.
This is the arithmetic that gets skipped when nobody has your real list.
If money is tight, there are programs that pay part of thisWhy we look at this differently
Haven was started by pharmacists, so we price every medication you take against each plan's covered drug list in the dose you actually take, and we flag the three rules that decide whether covered also means affordable: how much the plan releases at one time, whether it makes you try a cheaper drug first, and whether it has to approve the prescription before the pharmacy can fill it.
Then we look up your doctors and specialists by name in each plan's network, and we confirm the dental, vision and hearing coverage rather than taking the brochure's word for it. Advantage, Supplement and Part D all get the same treatment.
What people say
I have referred many patients from the clinic where I work who either lack insurance coverage or do not have adequate benefits, and Juan Carpenter has consistently made a meaningful difference in their lives.
We appreciate Juan's expertise and pleasant manner while exploring all the details of Medicare coverage.
Juan was very informative and extremely helpful.
Juan is great to work with. Very knowledgeable, works with you to find the best possible plan! Highly recommend!
Why Haven
Whether something is covered is the easy question. What a plan does with it after that — the tier, the network, the rule attached to it — is where the year gets expensive, and that detail is a pharmacist's daily work.
Haven was started by the pharmacists at Good Day Pharmacy. So you can check us out before you ever pick up the phone. Not many people in this business can say that.
It is fair to wonder. We do not. If the best plan for your medications means filling somewhere else, we will tell you so. The only time a pharmacy comes into it is if you ask us to keep yours.
A plan can list your medication and still cost you much more than the plan next to it. It comes down to tiers, limits, and prior authorizations. That is a pharmacist's daily work, and it is where most of the money hides.
Pharmacists are the ones who tell you what your prescription costs today. We did that for years. Then we got licensed, so the hard conversation could happen in October instead of January.
Not a vague promise that most plans cover most doctors. We look up your specific physicians and specialists in front of you, before any plan gets named.
Greeley, Fort Collins, Loveland, Windsor and the towns around them are where we live. We also reach Grand Junction, Palisade and Colorado Springs, and we are licensed in 25 states, so a move or a parent out of state is no trouble.
Not a referral pipeline and not a pharmacy preference. A better introduction. When a pharmacist calls and says your name and how long they have known you, the conversation starts with a person who has a history instead of a lead off a list. That is most of what the pharmacy side is worth to you.
Letters arrive. Drugs move tiers. A prior authorization gets denied. When that happens you call the same person who set your plan up, and we help you read it. That is the part most people never get.
Ask us anything
Part A covers hospital stays. Part B covers doctors and outpatient care. Together those two are called Original Medicare. Part D covers prescriptions. Part C, usually called Medicare Advantage, is a private plan that bundles A and B and usually D into one plan with a network.
A Medigap or Supplement policy is different again: it sits alongside Original Medicare and pays some of what Original Medicare leaves you owing.
No, and this is one of the most common mix-ups. They are two different paths and you pick one.
A Supplement only works alongside Original Medicare, so if you join a Medicare Advantage plan a Supplement cannot pay anything for you, and it is not legal for anyone to sell you one.
If you already have a Supplement and are weighing an Advantage plan, talk it through with someone first, because dropping the Supplement can be hard to undo.
Part A is usually premium-free if you or your spouse paid Medicare taxes long enough while working. Part B has a standard monthly premium that almost everyone pays, and it is normally deducted from a Social Security check.
Part D and Medicare Advantage plans have their own premiums, deductibles and copays. So no, but the specific numbers are published every year and we will go through yours with you.
For most people, yes. Part A alone covers hospital stays and leaves out doctor visits, lab work and most of the care people actually use during a year.
Delaying Part B is only safe in specific situations, most commonly while you have creditable coverage through an employer with 20 or more employees.
It is the list of drugs a plan covers, and every drug plan has its own. Two plans in the same county can cover completely different medications, which is why the premium on a mailer tells you so little.
The question is never whether a plan is good, it is whether your specific prescriptions are on that specific list.
A tier is the price group a plan puts each covered drug into, usually five or six groups from cheap generics up to specialty drugs.
The same medication can sit in a low tier on one plan and a high tier on another, and that difference can cost more across a year than any difference in premium. This is the arithmetic that gets skipped when nobody has your actual list.
Original Medicare does not cover routine dental, vision or hearing care. Many Medicare Advantage plans include some of it, but the amount and what it actually pays for vary a great deal between plans.
Being listed as a benefit and covering the specific thing you need are two different questions, and the second is the one worth asking.
About six months before you turn 65, or about six months before you plan to leave employer coverage. That is early enough to use the three months before your birthday month, which is the part of your enrollment window that starts coverage with no gap.
Keep reading
Medicare 101 covers the pieces. These go one level deeper into the part that decides what you actually pay.
Preferred versus standard pharmacies, tiers, ninety-day fills, prior authorization, and the discount-card trap that can cost you more than it saves. Five mechanisms explained by pharmacists, with 2026 figures.
Read the article
The seven things to write down per medication, the four categories people always leave off, and how to build a working list in twenty minutes at your kitchen table.
Read the article
Medication synchronization, a review of the whole list at once, easier packaging, inhaler technique, safe disposal, your fill history, and the two assistance programs most people never hear about.
Read the articleNorthern Colorado Medicare help
One appointment. Advantage, Supplement and Part D side by side, your medications priced for the full year, your doctors checked against each plan's network, and the extra benefits confirmed rather than assumed. No pitch waiting at the end of it.
Ask us what a plan pays us and we will tell you the number. Haven is paid by the insurer if you enroll, and your premium is the same whether you use a broker or enroll directly.