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Medicare Advantage Plans in Utah
How Medicare Advantage plans work
Some time ago, the government created Medicare Advantage (Medicare Part C) as an alternative way to receive Original Medicare (Part A and Part B) benefits. Medicare Advantage plans in Utah (as in other states) give beneficiaries an opportunity to get these benefits through a private, Medicare-approved insurance company instead of directly through the government.
Medicare Advantage plans include the same benefits as provided under Original Medicare (besides hospice care, which is still covered under Medicare Part A). Medicare Advantage plans in Utah may offer extra benefits like routine vision or dental services, and prescription drug benefits. The same is true in other states.
Medicare Advantage plans with prescription drug coverage in Utah
Many Medicare Advantage plans offer the convenient feature of adding prescription drug coverage to your health care plan. These are called Medicare Advantage Prescription Drug plans, and can provide all your Medicare coverage in one plan.
Comparing Medicare Advantage plans in Utah
To help find a Medicare Advantage plan for your needs, there are a few strategies you can use.
First, you might want to weigh the total costs of a plan and not just its monthly premium. Plans that charge a low monthly premium could have higher copayments, coinsurance, deductibles, and out-of-pocket maximums.
You may want to review your past medical history to get an idea of how much you might pay in copayments and other costs per year.
If you need prescription drug coverage, you can compare a list of your prescription medications with the formulary of any plan you're considering. The formulary is a list of drugs the plan covers. The formulary may change at any time. You will receive notice from your plan when necessary.
These steps might help you prepare to enroll in a Medicare Advantage plan. Note that not every Medicare Advantage plan may be available everywhere in Utah.