• Skip to main content
  • Skip to secondary menu
  • Skip to primary sidebar
  • Skip to footer
MedicareWire

MedicareWire

Best Medicare plan, cost, and enrollment tools for seniors.

Speak with a Licensed Sales Agent[1]

1-855-728-0510 (TTY 711)

Mon-Fri 5 AM-6 PM, Sat 6 AM-5 PM PT

  • Medicare Advantage
  • Special Needs
  • Medigap
  • Drug Plans
  • More➲
    • Senior Dental Plans
    • Medicare Glossary
    • Important Resources
    • Frequently Asked Questions

Written by David Bynon [3], Medicare Analyst since 2012.  Last updated May 1, 2025

MedicareWire partners with HealthCompare for some plans. Compensation does not influence content. Here's why you can trust our data and how we make money. Also see our references and how we're building EEAT trust.

Medicare Advantage
 » 
Colorado
 » 
Otero County

Guide to Medicare Advantage Plans in Otero County, CO for 2025

List of Plans | Plan Overview | Benefits | How to Choose | Enrollment | FAQ

There are 13 Medicare Advantage plans available in Otero County, CO for the 2025 plan year, including 7 plans with $0 premiums. Most plans include prescription drug coverage. These counts exclude Special Needs Plans.

Not in Otero County? Enter your ZIP code to see plans in your area.

  • Top 3 Plans by Enrollment:
    1. HumanaChoice H5216-223 (PPO) — 844 enrollees
    2. AARP Medicare Advantage from UHC CO-0014 (PPO) — 227 enrollees
    3. Humana Full Access H5216-333 (PPO) — 102 enrollees
  • Average Monthly Premium: $18.92
  • Average Maximum Out-of-Pocket Limit: $5,858
  • Average Prescription Drug Deductible: $309.50
  • Ratings (Plan Mix): 4+ Stars: 46% · 3 Stars: 54% · Below 3: 0%
  • Plan Type Breakdown 12 PPO · 1 PFFS

Otero County, Colorado Medicare Advantage Plans

Medicare Advantage Plans in Otero County, CO for 2024
Plan Name Type Premium MOOP Rx Ded. Rating
AARP Medicare Advantage from UHC CO-0006 PPO $0 $7,550 $420
☆☆☆☆☆
AARP Medicare Advantage from UHC CO-0014 PPO $0 $5,900 $420
☆☆☆☆☆
AARP Medicare Advantage from UHC CO-0018 PPO $44 $5,200 $420
☆☆☆☆☆
AARP Medicare Advantage Giveback from UHC CO-12 PPO $0 $7,900 $495
☆☆☆☆☆
AARP Medicare Advantage Patriot No Rx CO-MA03 PPO $0 $4,400 N/A
☆☆☆☆☆
Humana Gold Choice H8145-164 PFFS $12 $5,200 $300
☆☆☆☆☆
Humana Full Access H5216-333 PPO $91 $3,400 $0
☆☆☆☆☆
Humana USAA Honor Giveback PPO $0 $4,900 N/A
☆☆☆☆☆
Humana Value Plus H5216-195 PPO $34 $7,550 $590
☆☆☆☆☆
HumanaChoice Giveback H5216-435 PPO $0 $7,850 $0
☆☆☆☆☆
HumanaChoice H5216-078 PPO $58 $6,750 $250
☆☆☆☆☆
HumanaChoice H5216-223 PPO $7 $5,400 $200
☆☆☆☆☆
HumanaChoice H5216-437 PPO $0 $4,150 N/A
☆☆☆☆☆
**Certain PFFS, MSA, and HMO-POS plans have a combined in and out-of-network maximum. Limits are detailed on the plan pages.
📊 At a Glance: Medicare Advantage in Otero County
Average Monthly Premium
$18.92
Plans with $0 Premium
7
Average MOOP Limit
$5,858 ($9,350 max. in 2025)
Average Rx Deductible
$309.50
Plans Without Drug Coverage
4 (standalone Colorado Part D plans)
Plans with 5-Star Ratings
No 5-star plans available.
Stars  Ratings (Plan Mix)
4+ Stars: 46% · 3 Stars: 54% · Below 3: 0%
Plans Available
13 (excluding Otero County SNP plans)
Plan Type Breakdown
12 PPO · 1 PFFS
Countywide Enrollments
1,693 (excluding SNP plans)
Top 3 Plans by Enrollment
1. HumanaChoice H5216-223 (PPO) — 844 enrollees
2. AARP Medicare Advantage from UHC CO-0014 (PPO) — 227 enrollees
3. Humana Full Access H5216-333 (PPO) — 102 enrollees

Data Sources: CY2025 Landscape, PBP Benefits, Star Ratings Data, Monthly Enrollment by CPSC, and SimpleMaps U.S. Counties. Enrollment data last updated April 7, 2025. County demographic data last updated April 5, 2025.

Understanding Your Medicare Advantage Options

Medicare Advantage Plans, also known as Medicare Part C, are private health plans that provide all-in-one coverage, including Medicare Part A (hospital insurance) and Medicare Part B (medical insurance). On top of the core benefits, many of the plans in Otero County throw in some nice extras - think prescription drug coverage, dental, vision, and wellness programs - making them a solid choice for those in Otero County looking for something more than Original Medicare.

🔓 Preferred Provider Organization (PPO)

A PPO allows more flexibility in choosing healthcare providers, with the option to see specialists without referrals, though often at a higher cost. Medicare Advantage PPOs usually have higher premiums and out-of-pocket expenses. There are 1,664 Otero County residents enrolled in PPO plans. The most popular of these plans by enrollments is HumanaChoice H5216-223 .

🪟 Private Fee-for-Service (PFFS)

Allows members to visit any Medicare-approved doctor or hospital in their area that accepts the plan's payment terms. Medicare PFFS plans offer more flexibility but may result in higher costs. There are 29 Otero County residents enrolled in PFFS plans. The most popular of these plans by enrollments is Humana Gold Choice H8145-164 .

{hmopos_description}
If you qualify for Original Medicare or Medicare Advantage in Otero County but don't know where to begin, we have licensed insurance agents[1] at 1-855-728-0510 (TTY 711) who can answer your questions (Mon-Fri 5am-6pm, Sat 6am-5pm PST) and help you get enrolled. There's no obligation.

Advantages of Enrolling in Medicare Advantage

Enrolling in a Medicare Advantage Plan can offer significant benefits compared to Original Medicare. These plans provide all-in-one coverage, including hospital and medical insurance, and often come with added perks like drug coverage, dental care, and wellness programs. With a Medicare Advantage Plan, you can access a wider range of services while potentially reducing your overall healthcare costs.

Below are some of the key benefits you can enjoy in Otero County with a Medicare Advantage Plan:

🧑‍⚕️Coordinated Care

Plans often include care coordination services, which help you manage your healthcare across different providers and services.

💸 Cost Savings

Many plans have low or $0 premiums and offer capped out-of-pocket costs, providing financial protection against high medical expenses.

🧾 Comprehensive Coverage

Includes Medicare Part A, Part B, and often Part D (prescription drug coverage), along with additional benefits like dental, vision, and hearing.

🧘 Wellness Programs

Many Yavapai County plans offer free gym memberships, wellness programs, and preventive care services. You need to stay healthy, right?

Tips for Selecting a Medicare Advantage Plan

Choosing the right Medicare Advantage Plan out of the 13 plans available in Otero County requires careful consideration of several key factors:

🏥1. Provider Network

Verify that your current doctors and preferred hospitals are included in the plan's network. Access to your healthcare providers can significantly impact your care experience.

💊 2. Prescription Drug Coverage

Make sure the plan covers your medications, particularly if you have specific prescriptions you rely on regularly.

💰 3. Costs

Examine the plan's premiums, copayments, and out-of-pocket limits. Compare these costs against your budget to avoid unexpected expenses.

🎁 4. Additional Benefits

Consider what extra services, such as dental, vision, or wellness programs, are important to you, and check if the plan offers them.

⭐ 5. Plan Ratings

Look into the plan's star ratings, which provide insight into the plan's overall quality and member satisfaction.

Learn more about the basics of comparing Medicare Advantage Plans.

Medicare Advantage Enrollment Periods

Making sense of Medicare Advantage enrollment periods can seem overwhelming, but it's worth the effort for better health coverage. Missing these key dates could delay your coverage or limit your plan choices for 2025 in Otero County.

📅 Initial Enrollment Period (IEP)

This is your first opportunity to enroll in a Medicare Advantage Plan when you first become eligible for Medicare. Your Initial Enrollment Period lasts for seven months, starting three months before your 65th birthday.

🗓️ Annual Enrollment Period (AEP)

Occurs every year from October 15 to December 7. During the Annual Enrollment Period, you can switch, drop, or join a Medicare Advantage Plan.

🔁 Open Enrollment Period (OEP)

From January 1 to March 31, you can switch Medicare Advantage plans or return to Original Medicare if you’re already enrolled in a Medicare Advantage Plan.

For more detailed information on the enrollment periods and how to enroll, visit our comprehensive guide on Medicare Advantage Plan Enrollment.

Are you ready to enroll? Do you still have questions? Our licensed insurance agents are ready to help with no obligation. Call 1-855-728-0510 (TTY 711) for assistance, Mon-Fri 5am-6pm, Sat 6am-5pm PST.

Frequently Asked Questions

What are the most popular Medicare Advantage plan types in Otero County?

Based on the 2025 plan data, PPO plans are the most common in Otero County. The full breakdown of plan types is: 12 PPO · 1 PFFS.

How much can I expect to pay out of pocket for Medicare Advantage plans?

The average maximum out-of-pocket limit (MOOP) in Otero County is $5,858 for 2025.

Do any Medicare Advantage plans in Otero County have 5-star ratings?

No 5-star rated Medicare Advantage plans are available in Otero County for the 2025 plan year. However, 46% of plans have a rating of 4 stars or higher.

What is the average monthly premium for Medicare Advantage plans in Otero County?

The average monthly premium for Medicare Advantage plans in Otero County is $18.92. A total of 7 offer $0 premiums, though costs vary by plan type and benefits.

More About These Plans

Carrier Plans Offered

Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross, Anthem Blue Cross and Blue Shield, Aspire Health Plan, Baylor Scott & White Health Plan, Capital Blue Cross, Cigna Healthcare, Dean Health Plan, Devoted Health, Florida Blue Medicare, Freedom Health, GlobalHealth, Health Care Service Corporation, Healthy Blue, HealthSun, Humana, Molina Healthcare, Mutual of Omaha, Medica Central Health Plan, Optimum HealthCare, Premera Blue Cross, SCAN Health Plan, Simply, UnitedHealthcare(R), Wellcare, WellPoint.

Master Plan Pages by Plan ID

The plan pages listed in the table above have been modified for localization to help consumers identify plans available in their area. Most plans are available in multiple areas. The following list of plan IDs link to each plan's master page.

H2001 088 2, H2406 105, H2406 111, H2406 103, H2406 107, H8145 164 1, H5216 333, H5216 436 2, H5216 195, H5216 435 2, H5216 078 1, H5216 223, H5216 437 1

Plan Availability

The MA and MAPD plans on this page are available to people on Medicare enrolled in both Medicare Part A and Part B living in Fowler, La Junta, Rocky Ford, and all other areas of Otero County, Colorado, including the following zip codes: 81030, 81039, 81050, 81058, 81059, 81067, 81077.

Citations & References
  • Medicare.gov, "Understanding Medicare Advantage Plans", Last Accessed 19 March, 2025
  • UHC.com, "What are Special Needs Plans?", Last Accessed 19 March, 2025
  • Medicare.gov, "What's Medicare Supplement Insurance (Medigap)?", Last Accessed 19 March, 2025
  • Plan and enrollment data provided by the Centers for Medicare & Medicaid Services (CMS)
  • Data processed and interpreted by MedicareWire.com editorial team.
  • Read our methodology and sourcing policy.

Primary Sidebar

On This Page

  • List of Plans
  • Plan Overview
  • Benefits
  • How to Choose
  • Enrollment
Are you ready to enroll?
Do you still have questions?

Our licensed insurance agents are ready to help with no obligation. Call 1-855-728-0510 (TTY 711) for assistance, Mon-Fri 5am-6pm, Sat 6am-5pm PST.

Footer

About MedicareWire

  • About
  • Contact
  • Code of Conduct
  • MCMG Compliance
  • Privacy
  • California Consumer Privacy
  • Disclosure
  • Personally Identifiable Health Information
  • How We Make Money
  • Medicare Plan Research Methodology
  • SEO Disclosures
  • About MedicareGraph™

[1]Affiliate and Sales Agent Disclosure

Many of the plans featured on MedicareWire are offered through our trusted partner, HealthCompare Insurance Services, Inc., a licensed sales agency. HealthCompare may compensate us if you enroll in a plan through their services. Online enrollment services are provided by MedicareEnrollment.com, a HealthCompare affiliate.

Compensation does not influence our content, which is based on independent research. MedicareWire’s plan page content are reviewed annually for CMS compliance by licensed compliance officers from UnitedHealthcare, Humana, and Aetna. Read our full sales agent disclosure and how we make money.

[2] Trademark Notice

MedicareWire uses legal U.S. trademarks to identify and describe Medicare and other insurance products for shoppers. See our full trademark use disclosure.

[3]About the Author

David Bynon is a Medicare analyst, published author, and U.S. Navy veteran with over 40 years of experience in cryptology, cybersecurity, and healthcare systems. Since founding MedicareWire in 2012, he has provided unbiased, data-driven Medicare plan research to assist seniors in making informed decisions.

Previously, David served as Vice President of Global Systems at Sony Pictures Entertainment and Director of Systems and Networks at HealthNet, focusing on secure HMO and Medicare infrastructures. His military career includes serving as Command Chief at TACRON-11, earning multiple Navy Commendation Medals and other commendations.

Connect with David on LinkedIn or view his Amazon Author Profile. His latest book, Why Medicare Advantage Plans Are Bad, is available on Amazon.

Copyright © 2025 MedicareWire.com - All Rights Reserved
101 W Goodwin St #2487, Prescott, AZ 86302

MedicareWire.com is a non-government website and is not endorsed by the Centers for Medicare & Medicaid Services. By using MedicareWire.com you agree to our Terms of Service and Privacy Policy. For official government information, please visit Medicare.gov or call 1-800-MEDICARE. Help is available 24 hours a day, 7 days a week, except on some federal holidays. You can also use the live chat service 24 hours a day, 7 days a week, except on some federal holidays.

We do not offer every plan available in your area. Currently we represent [insert number of organizations] organizations which offer 52,101 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.

We represent Medicare Advantage HMO, PPO and PFFS organizations and stand-alone PDP prescription drug plans that are contracted with Medicare. Enrollment depends on the plan’s contract renewal.

Not all plans offer all of these benefits. Benefits may vary by carrier and location.
Limitations and exclusions may apply.

Every year, Medicare evaluates plans based on a 5-star rating system.

Enrollment in a plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period or you are in your Medicare Initial Enrollment Period.

MULTIPLAN_HCIMEDWIRPY25_M