Utah has both Medicare Advantage plans and Medigap plans to choose from. The supplements available in Utah match the same standardizes plans as are offered in other states. This means you have 10 great Medigap options to choose from.
If you are turning 65 and you enroll in a Utah Medicare supplement within 6 months of your Part B effective date, you cannot be turned down for coverage. This is called your open enrollment window, and the policy is approved on a guaranteed issue basis.
Utah Medicare supplements pay after Medicare. As long as Medicare approves your claims, your Utah Medicare supplement 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 excess charge coverage. A couple of plans even include some coverage for foreign travel.
People enrolled in this kind of Medigap coverage can see any doctor that accepts Medicare. There are hundreds of thousands of participating providers in the U.S. It also does not matter which Medigap plan you enroll in. As long as the doctor accepts Medicare, your supplement will pay.
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.
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.