Utah Medicare plans come in the form of Medicare Advantage plans and Medigap plans. The supplements available in Utah match the same standardized plans as are offered in other states. Beneficiaries have ten great Medigap options to choose from plus one high-deductible option. However, if you turn 65 on or after January 1, 2020, then you only have eight options plus one high-deductible option.
Medicare Supplement Plans (Medigap)
If you are turning 65 and enroll in a Utah Medicare Supplement plan within six months of your Part B effective date, you cannot be turned down for coverage. This six-month window is called your open enrollment window, and the policy is guaranteed issue.
Utah Medicare Supplements pay after Medicare. As long as Medicare approves your claims, your Utah Medicare Supplement plan will also pay out the benefits that it is designed to pay. You can choose a plan that covers your Part A and B deductibles and co-insurance or one that has excess charge coverage. A couple of plans even include some coverage for foreign travel.
People enrolled in Medigap coverage can see any doctor who accepts Medicare. There are hundreds of thousands of participating providers in the United States. It also does not matter which Medigap plan you enroll in. As long as the doctor accepts Medicare, they have to accept your Medigap plan.
Utah Medicare Advantage Plans
People in Utah can also choose a Medicare Advantage plan if they feel Medigap is too expensive. These plans offer your Medicare benefits through a private network. You will want to check to see if your doctor participates in any of the Utah Medicare Advantage plans available in your county.
While Medicare Advantage plans often have lower premiums, you will also have to do some cost-sharing on these plans. Unlike Medigap plans, Medicare Advantage plans require you to pay copays when you see a doctor or hospital or when you access medical services. Learn more about the differences between Medicare supplements and Medicare Advantage plans here.
Medicare Part D in Utah
Medicare Part D is how Medicare beneficiaries receive drug coverage. If you choose the Medicare Advantage route, then you might not need a separate Part D drug plan because most Medicare Advantage plans include a Part D plan. However, if you choose the Medigap route, then you will need a Part D plan as Medigap plans don’t cover drugs.
Medigap plans, Medicare Advantage plans, and Part D plans are all sold by private insurance carriers, not Medicare. While Medicare regulates the structure of the plans, the carriers can customize each plan they sell the way they’d like. Therefore, comparing multiple plans from multiple carriers is the best way to ensure that you enroll in the most cost-effective plan for you.
Common Questions About Utah Medicare:
These are some of the most common Medicare Supplement questions we get from Utah Medicare beneficiaries.
No. No Medicare Supplement plan covers prescription drugs. You will need a Part D plan to go along side your Medicare Supplement plan.
Yes, if you were eligible for Medicare in 2019 or earlier. If you became Medicare-eligible in 2020 or later, you will not have Plan F available to you.
You can use your Medicare Supplement plan in any state at any doctor’s office that accepts Medicare. Some Medicare Supplement plans cover foreign travel emergencies as well.
Contact Boomer Benefits today for information about Medicare Plans in Utah. We can provide you quotes and financial ratings and explain to you how the plans work.