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From the Front Range to the Western Slope —
We Are Your Colorado Medicare Experts.
Personal, straightforward guidance to help you understand your options and choose coverage with confidence.
Join Wayne at 14 Medicare events in Colorado Springs, Fountain and Peyton from September through November. View dates for libraries, senior communities, local IHOP gatherings and the Senior Life Expo.
Insurance has a talent for making simple ideas sound complicated. Hover over—or tap—any option below for a plain-English explanation, and we’ll take it from there.
Compare plan features, networks, prescriptions and costs with guidance centered on your needs.
Think of this as an all-in-one way to receive your Medicare benefits through a private insurance company approved by Medicare. It covers everything Original Medicare covers and often includes prescription drugs and added benefits.
Understand standardized Medigap plans and how they pair with Original Medicare.
A Medicare Supplement, also called Medigap, works alongside Original Medicare. Medicare pays its share first, and the supplement helps pay certain deductibles, copays or coinsurance according to the plan letter you choose.
Review formularies, pharmacies and projected prescription costs before you enroll.
Part D is prescription-drug coverage offered by private insurers approved by Medicare. Every plan has a formulary—a list of covered drugs—and your cost can change depending on the drug tier and pharmacy.
Understand how Medicare may coordinate with TRICARE For Life, VA benefits and other coverage.
Military and veterans benefits do not all coordinate with Medicare the same way. TRICARE For Life generally works with Medicare Parts A and B, while VA coverage is usually used within the VA health system.
From supplemental health and life products to dental coverage, Peak Insurance can help you explore protection beyond your core Medicare benefits—without the insurance-speak.
Hover over—or tap—each option for a plain-English explanation.
Cash benefits designed to help with eligible hospital and medical expenses that primary coverage may leave behind.
This policy pays set cash benefits for covered events such as a hospital stay. The money is paid according to the policy and can help with copays or other expenses.
Supplemental protection that can provide benefits following a covered cancer or critical illness diagnosis.
This coverage can pay cash after a qualifying diagnosis or covered treatment. It is designed to help with the financial ripple effects of a serious illness—not replace your medical insurance.
Coverage options designed to help protect the people who depend on you financially.
Life insurance pays a benefit to the people or organizations you name when the insured person dies, as long as the policy is in force and the claim is covered.
Whole life coverage that can help loved ones manage funeral costs and other final expenses.
Final-expense insurance is generally a smaller whole-life policy intended to help with funeral costs, medical bills or other end-of-life expenses.
Options for eligible nursing, assisted living or home health care needs after an illness or injury.
Short-term care coverage can provide limited benefits for eligible nursing-facility, assisted-living or home-care services after an illness or injury.
I work with a range of respected insurance companies to help you compare coverage based on your needs, doctors, prescriptions and budget.
Carrier appointments, products and plan availability vary by service area and individual eligibility. Not all products are available in all states.
Local guidance backed by personal service and a commitment to advocate for you.
I'm Wayne Victor, owner of Peak Insurance, a Colorado Springs Medicare advisor and former U.S. Naval officer. I believe choosing healthcare coverage should feel informed and personal—not rushed or confusing.
Whether you are new to Medicare, reviewing your current coverage, or trying to coordinate Medicare with military benefits, I'll meet you where you are and stay available after enrollment.
Choose a convenient time to talk by phone, video or in person.
We'll discuss doctors, prescriptions, budget and coverage priorities.
Get clear comparisons and personal help with your next steps.
Every situation is different. Here are a few good places to start.
Ask me a questionMost people become eligible around age 65. Your exact enrollment window can depend on your birthday, disability status and whether you have qualifying employer coverage. I can help identify the dates that apply to you.
There is no added cost to you for my guidance. If you enroll through me, the insurance carrier may compensate me. Your premium is the same whether you enroll with an agent or directly with the carrier.
Absolutely. An annual review can help confirm that your doctors, prescriptions, benefits and budget still fit your current plan.
Yes. As a veteran, I have a special interest in helping fellow veterans understand how Medicare works alongside VA and military health benefits.
Call, text or email me directly. I'll personally follow up for a no-pressure conversation.