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A Northern Colorado Medicare agency started by pharmacists
Same people, same standard. We do for a Medicare plan what a good pharmacist does for a prescription: show you the real number, say what the trade-off is, and let you decide.
Why we are here
Haven was started by two pharmacists, and their habit is the one the whole team works by: show people the real number, explain the trade-off in front of them, and let them choose.
Coverage you trust. Costs you can see coming.
The reason to choose us takes one sentence.
Haven is run by pharmacists.
Not a call center that took a course in Medicare. People who already knew what a plan does to a prescription, watched it go wrong for years, and got licensed so it would stop.
Who you will be sitting with
You will sit with Juan, Tyler or Naomi, all three licensed. Whitney and Joseph are the pharmacists, and the reason the answer about your prescriptions holds up. Whoever explains your options is the same person who picks up when you call back in March.
Usually the first person you talk to, and people tend to relax once they do. Ten years at this, and he never rushes it.
He will answer the same question twice if you need him to, and tell you plainly when your current plan is already the right one.
Ten years in benefits, and a good eye for what quietly changes between plan years. He would rather walk you through the math than ask you to take his word for it.
Naomi sits down with people the same way Juan and Tyler do, and holds the rest of us to the standard we started with: real prescriptions, doctors checked by name, nobody talked into anything.
Whitney has the months after enrollment, when the letters arrive and a prescription rings up wrong. She is the reason nobody falls through the crack between plan years.
Joseph started Haven after years of watching Good Day patients come back in January with a new card and a prescription that cost four times what it used to. The whole idea was to move that conversation to October, while it can still be fixed.
How Haven happened
Someone would hand us a new insurance card, and a medication they had taken for ten years rang up at four times the price.
Any year, a plan can move your drug to a higher tier or add a prior authorization. Do nothing and you keep whatever it turned into.
Dental, vision, hearing, help with drug costs. Sitting unused for years, because nobody had walked them through it.
Pharmacists are trained to catch a problem before it reaches you. Now somebody looks on purpose, every year, while it can still be fixed.
A fair question
If the best plan for your medications means filling somewhere else, we will say so. A pharmacy enters into it only if you ask us to keep yours.
At the table
We never open with a recommendation. The real options go side by side, and the choice stays yours.
Rather 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.
About all that mail
We do not send Medicare solicitation mail. Not once. What we have built runs on a pharmacist saying our name to someone they already know.
Where that leaves us
Greeley, Fort Collins, Loveland, Windsor and the towns around them are where we live, and we also reach Grand Junction, Palisade and Colorado Springs.
Good Day runs a network of local community pharmacies that carry on from there across the Rocky Mountain West, into the Wyoming high plains and the Nebraska panhandle. In several of those towns it is the only pharmacy left.
Haven is licensed in 25 states, so a move or a parent in another state is no trouble.
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
No. It is a fair thing to wonder about, so here is the plain answer: the plan has to fit your medications, your doctors and your budget. If the best one means filling somewhere else, we will tell you.
The only time a pharmacy comes into it is if you ask us to keep yours.
No. We are paid by the insurer if you enroll, and your premium is the same either way. Plenty of the plans we look at are already the right one, and we say so.
Insurers pay a commission when someone enrolls. Ask what any plan pays us and we will tell you the number.
Because we watched it break every January. Someone would hand us a new card and a medication they had taken for years came back at four times the price. We could see it coming. We just could not do anything about it, so we got licensed.
Your medications with the doses, your doctors, and your current plan if you have one. A printout from your pharmacy is ideal. A photo of the bottles works fine too.
That depends on the plan, and it is exactly what we check. Bring your list of doctors and we will look each one up before recommending anything.
Bring the list and we will tell you plan by plan. What matters is not just whether a drug is covered, but which tier it sits on and whether it needs a prior authorization. That is where the cost hides.
Then keep them. Bring us their comparison and we will price your medications against it. If they got it right, we will say so. That happens a lot.
That is one of the things we check. Some plans quietly cost you more at the pharmacy you already like, and it is rarely on the front page of the plan material.
Please do. It goes better when everyone hears the same explanation at the same time.
Probably something, and it depends on the size of your employer. With 20 or more employees you can usually wait on Part B. With fewer, your group plan may not pay properly without it. Worth one phone call before you decide.
You keep our number. Letters arrive that explain nothing, and drugs move tiers mid-year. When that happens, you call the same person who set your plan up.
No. We are a private, independent agency, not affiliated with or endorsed by Medicare or any government agency. We represent plans from several private insurers, and we do not offer every plan in your area.
Keep reading
Most of what we publish is not about Medicare at all. It is about Northern Colorado, because that is where we live.
Program lists, days, times and phone numbers for the activity centers in Loveland, Fort Collins, Greeley, Evans, Eaton, Windsor, Johnstown, Milliken and Wellington, plus the free county wellness classes almost nobody uses.
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Trailheads with restrooms, parking and shade on the Poudre River Trail, Sheep Draw, the Loveland loop and Fort Collins paved trails, two free monthly walking groups, and how altitude and dry air interact with common medications.
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One confirmed weekly game, one likely one, and the phone numbers for the rest. What we could verify about mahjong in Greeley, Loveland, Fort Collins and the Weld County towns, and what we could not.
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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.