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Medicare Supplement Insurance Plans in Utah

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If you’re a Utah beneficiary with Original Medicare (Part A and Part B), you may have noticed that you’re not covered for all costs in Medicare. Medicare Part A and Part B cover a variety of hospital and medical services, but you’re still responsible for cost-sharing expenses after Original Medicare has paid its share. These may include costs like copayments, coinsurance, and deductibles.

Medicare Supplement insurance plans in Utah, available through private insurance companies, may help with some of these costs that Original Medicare doesn’t pay for. Also referred to as Medigap plans, these plans provide coverage for deductibles, copayments, and other expenses not covered by Original Medicare. In addition, Medicare Supplement coverage may help with out-of-pocket costs like the first three pints of blood, Medicare Part B excess charges, and emergency coverage when you’re out of the country.

In Utah, like most of the country, there are 10 Medicare Supplement plans available, and each plan type is labeled with a different letter A through N (for example, Plan F). Benefits are standardized across each letter category, meaning your benefits will be exactly the same for plans of the same letter type. So if you’re enrolled in a Plan A in one county, you’ll have the exact same coverage as someone enrolled in Plan A in a different county. However, plan costs may vary from company to company and county to county.

Medicare Supplement insurance can only be used to pay for certain Original Medicare costs. These plans don’t work with Medicare Part C, so you can’t use your Medigap plan to pay for expenses related to your Medicare Advantage plan.

Enrolling in Medicare Supplement insurance plans in Utah

In Utah, as in the rest of the country, you must be enrolled in Medicare Part A and Part B to be eligible for Medicare Supplement insurance. In general, the best time to enroll in a Medicare Supplement insurance plan is during your Medigap Open Enrollment Period, which is the six-month period that starts automatically once you’re 65 or older and enrolled in Medicare Part B. During this period, you can enroll in any Medicare Supplement insurance plan offered in your Utah service area with guaranteed issue. This means that insurance companies cannot turn you down for coverage, regardless of pre-existing conditions* or health problems you may have. In addition, you can’t be charged higher premiums due to health.

After this period has passed, you can apply for a Medigap plan at any time. You’re not limited to enrolling in Medicare Supplement coverage during certain enrollment periods. However, after your Medigap Open Enrollment Period, you may have difficulty enrolling if you have health problems. Insurance companies are allowed to require medical underwriting for prospective applicants, and you could be turned down for coverage if you have medical issues.

Comparing Medicare Supplement insurance plans in Utah

As mentioned, Medigap benefits are the same for plans of the same letter category, so the primary difference between plans will be the premium cost. In other words, it’s to your advantage to shop around to find coverage for the best value.

When comparing Medicare Supplement insurance plans in Utah, you can start by figuring out the plan type that will best meet your coverage needs. From there, you can research available Medigap plans in your area to see which option will fit best within your budget. Keep in mind that lower monthly premiums may mean higher out-of-pocket expenses, so make sure to look at all plan costs, not just the premium.

Need help finding Medicare Supplement insurance plans in Utah? Contact eHealth to discuss your Medicare needs with a licensed insurance agent.

*Pre-existing conditions are generally health conditions that existed before the start of a policy. They may limit coverage, be excluded from coverage, or even prevent you from being approved for a policy; however, the exact definition and relevant limitations or exclusions of coverage will vary with each plan, so check a specific plan’s official plan documents to understand how that plan handles pre-existing conditions.

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