Medicare Part D in Utah
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Why might I need Medicare Part D in Utah?
Almost 7 in 10 Americans take at least one prescription drug, according to the Mayo Clinic. Twenty percent of patients are on five or more prescription drugs. Despite the high prevalence of prescription drug use, Original Medicare (Part A and Part B) generally doesn’t cover prescription drugs you take at home. You may have to pay out-of-pocket for routine medications you take at home unless you have Medicare Part D coverage. Medicare Part D in Utah is offered by private insurance companies regulated by Medicare.
What are my options for Medicare Part D in Utah?
You can get Medicare Part D coverage in Utah in one of two ways, depending on how you get Medicare Part A and Part B benefits. If you get your Part A and Part B benefits through Original Medicare, you can get a stand-alone Part D Prescription Drug Plan.
If you are enrolled in Medicare Advantage, you can often get your Part D benefits included in the plan. Medicare Advantage is another way to get your Part A and Part B benefits through a private insurance company that contracts with Medicare. Medicare Advantage plans must cover everything that Original Medicare covers, with the exception of hospice care, which is still covered by Part A. According to the Centers for Medicare and Medicaid Services (CMS), in 2018 about half of the people enrolled in Part D in Utah are enrolled in stand-alone Medicare Part D plans, and about half are enrolled in Medicare Advantage plans with prescription drug coverage.
How much does Medicare Part D in Utah cost?
Medicare Part D costs in Utah vary according to the plan, but Medicare regulates some of these costs. Medicare Part D costs include:
- A monthly premium: this is the amount you pay to have the plan. Some Medicare Advantage plans have monthly premiums as low as $0, although you must continue to pay your Medicare Part B premium
- Deductible: this is the amount you pay out of pocket before the plan begins to pay. In 2018, the maximum deductible for a Medicare prescription drug coverage was $405.
- Copayment and Coinsurance: this is the amount you pay when you fill a prescription. Coinsurance is a percentage and copayment is a set dollar amount. For example, if you had prescription drug that retails for $150 but your copayment was $10, you might only pay $10 out-of-pocket if you’ve already met your deductible. Medicare Part D prescription drug plans often classify prescription drugs into tiers. The tiers range from 1 (preferred generic prescription drugs) to 5 (specialty drugs). You may pay more for prescription drugs on higher tiers.
When can I enroll in Medicare Part D in Utah?
There are certain time periods when you can sign up for Medicare Part D in Utah, whether you decide on a stand-alone Medicare Part D Prescription Drug Plan or a Medicare Advantage Prescription Drug plan.
When you’re first eligible for Medicare, you can sign up for a Medicare Prescription Drug Plan at the same time that you enroll in Medicare. Just remember that if you decide not to enroll in Medicare Part B, you can’t enroll in a Medicare Advantage plan. You could still sign up for a stand-alone Medicare Part D Prescription Drug Plan in Utah.
Another time you can sign up for coverage under Medicare Part D in Iowa is during the Annual Enrollment Period (October 15 – December 7). You can also switch plans, drop plans, and more during that time. Read more about the Annual Enrollment Period.
If you would like to find a Medicare prescription drug coverage in Utah, just enter your zip code in the “enter zip code” box on this page.
This information is not a complete description of benefits. Contact the plan for more information. Limitations, copayments, and restrictions may apply.
Benefits, premiums and/or copayments/co-insurance may change on January 1 of each year.
The Formulary may change at any time. You will receive notice when necessary.