At McGirl Insurance, we believe choosing insurance should be simple and stress-free. Since 1995, we’ve helped individuals, families, and businesses find coverage that fits their needs, priorities, and budget. As an independent insurance agency, we offer personalized guidance and access to multiple insurance carriers, helping you compare your options and make confident decisions about protecting what matters most.
Medicare Insurance Planning
Medicare guidance made simple, so you can choose coverage with confidence.
Learn MoreUnder 65 Health Insurance
Coverage options for individuals and families before Medicare begins.
Learn MoreLife Insurance Planning
Helping you plan ahead with life insurance that fits your family’s needs.
Learn MoreSupplemental Health & Medicare Coverage
Extra coverage options designed to support your health and budget.
Learn More
Personal Service and Support
All-inclusive insurance for Medicare-eligible boomers, individuals and businesses alike.
Licensed Medicare guidance with no pressure and no obligation.
Request a Medicare Review
Request a no-cost consultation with an insurance professional.
Explore Medicare Plan Options
Click below to shop online for a variety of stand-alone insurance products.
Schedule a Medicare Consultation
Schedule a no-cost consultation with a licensed insurance professional.
Medicare Coverage Review Form
To review your situation and provide plans and pricing information, complete the form.
The Colorado Medicare Guide
Medicare can be confusing. We're making it easier with straightforward answers, Colorado-specific insights, and helpful information about Medicare coverage, enrollment, and upcoming changes.
See what our clients are saying about us!
Our clients trust us to guide them through Medicare decisions with clarity, care, and long-term support. Here’s what they’re saying about their experience with McGirl Insurance.
Medicare Guidance You Can Trust
Serving clients since 1995
Licensed in over 40 states
Medicare Advantage Plans,
Medicare Supplement Insurance Plans (Medigap),
and Medicare Part D Prescription Drug Plans
Ongoing annual reviews
Proudly serving Englewood, Denver Metro, and surrounding Colorado communities.
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MEDICARE FAQs
Most people should begin planning for Medicare about 6 to 9 months before turning 65. This gives you time to understand your options, avoid enrollment penalties, and choose coverage that fits your healthcare needs.
It depends on your employer’s coverage and the size of the company. If your employer has 20 or more employees, Medicare may work alongside your group plan. If not, Medicare often becomes your primary coverage.
Medicare Advantage plans replace Original Medicare and often include extra benefits, while Medigap plans work with Original Medicare to help cover out-of-pocket costs. The right choice depends on your health needs, budget, and provider preferences.
Yes, but when you can change depends on the type of plan and the time of year. Many people review and make changes during Annual Enrollment, while others may qualify for changes during specific enrollment periods.
Missing certain enrollment periods can result in delayed coverage or lifelong penalties. Planning ahead helps ensure you enroll at the right time and avoid unnecessary costs.