Health Insurance
Doesn't Have to Be Confusing.

Your Initial Enrollment Period is a 7-month window that begins 3 months before the month you turn 65, includes your birth month, and concludes 3 months after. Enrolling during this initial window ensures your health coverage begins on time and prevents permanent late-enrollment penalties.

Medicare Advantage (Part C) bundles hospital, medical, and usually prescription drug coverage into a private managed-care network (HMO/PPO) with set copays and maximum out-of-pocket limits. A Medicare Supplement (Medigap) works alongside Original Medicare (Parts A & B) to pay your out-of-pocket deductibles and coinsurance, offering nationwide access to any provider accepting Medicare.

Advisory services with Maya are 100% free of charge to you. Medicare plan premiums, copays, and structure are strictly regulated by CMS and state insurance divisions. You pay the exact same rate whether you enroll independently or with personalized guidance from a licensed broker.

Licensed brokers receive standardized, regulated commissions directly from insurance carriers when you enroll in a plan. Maya operates as an independent advisor representing multiple leading carriers across Colorado, ensuring guidance remains focused exclusively on your healthcare needs, doctor networks, and medication formulary.

If you or your spouse are actively employed with creditable employer group coverage (typically companies with 20 or more employees), you can often delay Part B without penalty until retirement. However, you should still evaluate whether Part A is advantageous and verify your employer coverage qualifications before deciding.

Medicare Part D provides outpatient prescription medication coverage through standalone Part D plans (paired with Medigap) or integrated within Medicare Advantage plans. Each plan utilizes a specific tiered formulary. We run your specific prescriptions through carrier databases to find the lowest annual out-of-pocket cost.

Failing to enroll without qualifying creditable coverage incurs lifetime surcharges. Part B carries a 10% penalty for each full 12-month period you were eligible but unenrolled, added permanently to your monthly premium. Part D adds 1% of the national base beneficiary premium for each uncovered month.

Yes. During the Annual Enrollment Period (AEP), running from October 15 through December 7 each year, you can switch Medicare Advantage plans, return to Original Medicare, or adjust your Part D prescription plan. Maya provides complimentary annual policy reviews to ensure your plan continues to meet your evolving needs.