Medicare / Medigap / Med Advantage

Quick Links

Medicare

Medicare Advantage Plans

Medicare Releases Data

Medicare Supplement and Mediagap

Medigap Insurance Comparison

Medicare Prescription Drug Coverage

Medicare

External resources

Medicare.gov

Medicare & You Handbook

10 things you should know about buying a Medigap policy

To buy a Medigap policy, you generally must have Medicare Part A and Part B. You are guaranteed the right to buy a Medigap policy if you are in your Medigap open enrollment period or covered under a Medigap protection. You might not be able to buy a Medigap policy if you are in a Medicare Advantage Plan, have Medicaid, already have a Medigap policy or are under the age of 65 and you are disabled or have End-Stage Renal Disease.

A pre-existing condition is a health problem you had before the date a new insurance policy starts. In some cases, if you have a health problem before your Medigap policy started, a Medigap insurance company can refuse to cover that health problem for up to six months. This is called a pre-existing condition waiting period. The insurance company can only use this kind of waiting period if your health problem was diagnosed or treated during the six months before a Medigap policy started.

If you bought your policy after 1990, the policy is guaranteed renewable. This means your insurance company can drop you only if you stop paying your premium, you are not truthful about something under the policy or the insurance company goes bankrupt. Insurance companies in some states may be able to drop you if you bought your policy before 1990. If this happens, you have the right to buy another Medigap policy.

You need to know that under Federal law, you have rights and protections regarding your Medigap coverage. These include your right to buy Medigap coverage, protections if you lose or drop your health care and your protections for people with Medicare under the age of 65. Call your State Health Insurance Assistance Program to better understand these rights and protections.

This alert was produced by the National Association of Insurance Commissioners, a voluntary organization of the chief insurance regulatory officials of the 50 states, the District of Columbia and five U.S. territories. The overriding objectives of state regulators are to protect consumers and help maintain the financial stability of the insurance industry.

Medicare Advantage Plans

From the Center for Medicare & Medicaid Services (CMS)

You may go to any eligible doctor or hospital anywhere in the U.S. that is willing to provide care and accepts your Private Fee-For-Service plan’s terms of payment. Before joining a Private Fee-For-Service plan you should carefully check how much your out-of-pocket costs will be.

When you are enrolled in a Medicare Advantage Private Fee-For-Service plan you are entitled to all medically necessary health care services that are covered by Medicare.
Some Private Fee-For-Service plans may have extra benefits that Medicare does not cover. However, you may have to pay more for these extra benefits.
Private Fee-For-Service plans may charge you a premium amount above the Medicare Part B premium.
Private Fee-For-Service plans can charge deductible, copayment and coinsurance amounts that are different than those under Original Medicare.
Private Fee-For-Service plans can charge a premium for extra benefits like prescription drugs.

When you go to a doctor or hospital you must inform the provider that you are enrolled in a Medicare Private Fee-For-Service plan.

Your provider can decide if he or she will treat you as a member of a Medicare Private Fee-For-Service plan.
If the doctor or hospital decides to treat you, you are only required to pay the cost-sharing amount allowed by your Private Fee-For-Service plan. The doctor or hospital will bill your Private Fee-For-Service plan for the rest of its fee.
If you have any question whether your Private Fee-For-Service plan will pay for a service, including inpatient hospital services, you have the right under the law to have a written/binding advance coverage determination made for the service. Call your plan and tell them you want a decision in writing if the service will be paid for by the plan.
Your Private Fee-For-Service plan may require that you get pre-approval before obtaining some specific services. Check your Evidence of Coverage document if you are not sure.

Yes. By law, a Private Fee-For-Service plan must provide enrollees with the same benefits they would receive under Original Medicare. At a minimum a private fee- for-service plan must provide you with:

All medically necessary services covered under Medicare Part A and Part B.

A Private Fee-For-Service plan may provide extra benefits, like outpatient prescription drugs, but you may have to pay more for these extra benefits.

When enrolled in a Medicare Advantage Private Fee-For-Service plan you must continue to pay your monthly Medicare Part B premium ($96.40). In addition, you must pay the Private Fee-For-Service plan premium and any cost sharing amounts the private Fee-For-Service plan requires that you pay when you obtain health care services as discussed below.

Private Fee-For-Service plans will differ in the amount they charge in premiums, deductibles, and co-payments for health care services. Your costs in a Private Fee-For-Service plan will depend on:

Which Private Fee-For-Service plan you choose.
Any additional monthly premium the Private Fee-For-Service plan charges above the Medicare Part B premium.
Any Private Fee-For-Service plan deductible required when obtaining a service.
Any cost-sharing amounts that you will be required to pay providers when you obtain health care services.
Whether the Private Fee-For-Service plan lets doctors, hospitals, and other providers bill you more than the Private Fee-For-Service plan pays (up to a limit) for services. If this is allowed, you must pay the difference up to a limit of 15% of the total payment.
How often and the type of health care you get.
Which extra benefits are covered by the Private Fee-For-Service plan.

You can join a Private Fee-For-Service plan if:

You have both Medicare Part A (Hospital Insurance) and Part B (Medical Insurance).
You do not have End-Stage-Renal Disease (permanent kidney failure treated by dialysis or a transplant, sometimes called ESRD), unless you are an enrollee of a plan offered by the Medicare Advantage organization offering the PFFS plan.
You live in the service area of the Private Fee-For-Service plan.

If you want to join:

Call the Private Fee-For-Service plan and ask for an enrollment form.
Fill out the form and mail it to the Private Fee-For-Service plan.
The Private Fee-For-Service plan cannot refuse to enroll you if you are eligible to enroll in a Medicare Advantage Private Fee-For-Service plan. To be eligible to enroll in a M+C Private Fee-For-Service plan, you must be enrolled in Medicare Part A and B and not have end-stage renal disease (ESRD).
You will get a letter from the Private Fee-For-Service plan telling you when your coverage begins.

At the present time, you may leave a plan at any time for any reason. When you leave the plan, you can join another Medicare Health Plan (if the plan is accepting new members) or return to Original Medicare. If you want to join another Medicare Health Plan, you can contact the plan directly or call 1-800-MEDICARE (1-800-633-4227) for more information about other Medicare Health Plans in your area. If you wish to return to Original Medicare, you can write a letter to the plan, to the Social Security Administration, or call the Health Care Financing Administration at 1-800-MEDICARE (1-800-633-4227) and tell them you want to leave.

It may not be as easy to obtain care from providers under Private Fee-For-Service as when you are enrolled in Original Medicare. Your provider will have to accept the terms and conditions of payment. Excluding emergency situations, a provider must be informed in advance of providing a service that you are enrolled in a Private Fee-For-Service plan. Some providers may choose to not provide care to enrollees of a Private Fee-For-Service plan. You should carefully consider all of your out-of-pocket costs in obtaining services through a Private Fee-For-Service plan. You should look at the plan premium, copays when you obtain services and whether you can be balance billed by the provider.

You can see any licensed provider who can be paid by Medicare and who is willing to accept the Private Fee-For-Service plan’s terms and conditions of payment when you are enrolled in a Private Fee-For-Service plan. You cannot be locked into a network of providers. However, providers are not required to accept enrollees of a Private Fee-For-Service plan. You will need to verify in advance of receiving services that a particular provider is willing to see you.

Private Fee-For-Service plans must use Medicare coverage rules to decide what services are medically necessary. This means that if a service is medically necessary under original Medicare, then the Private Fee-For-Service plan must cover the service. You can also ask for a written (binding) advance coverage decision from the Private Fee-For-Service plan to make sure the service, especially inpatient hospitalization, will be covered by the plan. If you ask for an advance coverage decision, you have the right to get a decision from the Private Fee-For-Service plan.

Private Fee-For-Service plans are not required to pay for services that are not medically necessary under Medicare. Your Private Fee-For-Service plan may pay for additional benefits, and in that case, it will only pay for services that are covered by the Private Fee-For-Service plan and are medically necessary. If you obtain a service that is not covered by the Private Fee-For-Service plan, you will be responsible for the cost of that service. If you are not sure whether a service will be covered by your Private Fee-For-Service plan you have the right to call your Private Fee-For-Service plan and ask for an advance coverage decision.

If you are in a Private Fee-For-Service plan, you can file an appeal if your Private Fee-For-Service plan will not pay for, does not allow, stops, or limits a service that you think should be covered or provided. If you think waiting for a decision about a service could seriously harm your health, ask or have your physician ask the Private Fee-For-Service plan for a fast decision. They must answer you within 72 hours.

The Private Fee-For-Service plan must tell you in writing how to appeal. After you file an appeal, the Private Fee-For-Service plan will review its decision. Then, if your Private Fee-For-Service plan does not decide in your favor, the appeal is reviewed by an independent organization that works for Medicare, not for the Private Fee-For-Service plan. See your Private Fee-For-Service plan’s membership materials or contact your Private Fee-For-Service plan for details about your Medicare appeal rights.

If you believe you are being discharged too soon from a hospital, you have a right to immediate review by the Peer Review Organization in your area. The Peer Review Organization is a group of doctors and health professionals, which monitors and reviews your complaints about the quality of care.

In general, you want to make sure you do not pay the provider any more than your Private Fee-For-Service plan requires. In addition, you should be certain your provider only bills your Private Fee-For-Service plan for services that you have received.

If you believe fraud has occurred, you may call the Inspector General’s hotline to report Medicare fraud. The hotline number is 1-800-447-8477. Your name will not be used if you ask that it not be used.

If you join a Private Fee-For-Service plan, you may choose to keep your Medigap policy, but you cannot use it for Medicare covered services unless you return to Original Medicare (But you may be able to use your Medigap policy for certain non-Medicare-covered services, such as outpatient prescription drugs, if your policy covers them.) Generally, however, a Medigap policy will be of no use to you while you are in a private free-for-service plan. You may want to keep your Medigap policy until you are sure you are happy with the Private Fee-For-Service plan. While you are enrolled in a Private Fee-For-Service plan, you will not need your Medigap policy. Generally, it is not legal for anyone to sell you a Medigap policy while you are enrolled in Sterling or any other Medicare Advantage organization.

If you drop your Medigap policy when you join a Private Fee-For-Service plan, you will generally not have a right to get your old policy back or to buy a new Medigap policy. You could also be subjected to a pre-existing condition exclusion under any Medigap policy you are able to buy. However, there are special circumstances under which you are guaranteed a right to buy a Medigap and be protected from pre-existing condition exclusions when you leave a Private Fee-For-Service plan. These special circumstances include:

Your Private Fee-For-Service plan coverage ends (through no fault of your own), OR
You join a Private Fee-For-Service plan for the first time (and you have not previously been in any kind of a Medicare managed care organization or Medicare SELECT plan) AND within one year of joining, you voluntarily leave the Private Fee-For-Service plan:
- If you joined the Private Fee-For-Service plan when you were new to Medicare at age 65, you will be able to choose any Medigap Policy you want.
- If you were already in Medicare and had a policy before you joined the Private Fee-For-Service plan, you will be able to get the same policy back if it is still available from your old company.

If you have a Medigap policy and join a private fee-for-service plan you should keep your Medicare policy until you are satisfied you would like to remain enrolled in the Private Fee-For-Service plan.

Depending on the State where you live, if you are under age 65, you may have fewer Medigap options than are available to those over 65 if your Private Fee-For-Service plan coverage ends. This is because there is no Federal law that requires insurance companies to sell Medigap policies to people under age 65. However, some State laws are more generous than Federal law. Check with your State insurance department.

Medicare releases data on 2007 drug plan options

More Plans with Coverage in the Gap

Secretary Leavitt and Dr. McClellan today announced the 2007 Stand-Alone Prescription Drug Plan (PDP) Organizations for each state. Seniors and people with disabilities who are satisfied with their current Medicare prescription drug coverage will not have to take any action when the Medicare Open Enrollment period begins November 15th, but those who wish to make a change will find new options with lower costs and more comprehensive coverage available for 2007.

Beneficiaries will have more plan options that offer enhanced coverage, including zero deductibles and coverage in the gap for both generics and preferred brand name drugs. Plans are adding drugs to their formularies. Nationwide the average number of drugs included on a plan formulary will increase by approximately 13 percent, and plans will also use utilization management tools at a lower rate.

For state-specific press releases, which provide further plan information at the state level, please visit the CMS Newsroom.

What you should know about Medicare prescription drug coverage

The 2008 open enrollment for Medicare Part D Prescription Drug Coverage is Nov. 15 – Dec. 31, 2007. Before selecting a prescription drug plan (PDP) or changing your coverage, the National Association of Insurance Commissioners (NAIC) and Utah Insurance Department suggests you get smart about your coverage options.

What are Medicare Prescription Drug Plans?

In 2003, the federal government enacted a Medicare prescription drug coverage benefit for Medicare beneficiaries. Private insurance companies, whose plans have been approved by Medicare, sell Medicare PDPs. Everyone with Medicare is eligible to enroll in a PDP, regardless of income or assets.

What if I am already enrolled in a Medicare prescription drug plan?

Plans might change from year to year. Therefore, you should carefully examine all available plans during each open enrollment season, as you may find that your current plan no longer best meets your needs. Be sure to check the features of your plan, including the list of drugs covered and the amount of premium you pay. If you are satisfied with your current plan, you do not need to do anything to keep your plan. If you take no action, you will remain in your current plan.

What if I am enrolled in a Medicare Advantage Plan with prescription drug coverage?

Medicare Advantage plans might also make changes to important features of your plan from year to year, including the list of drugs covered, the premium you pay, cost-sharing requirements and provider networks. Your plan options should be carefully reviewed during each open enrollment season. If you take no action, you will remain in your current plan.

Do I need a Medicare prescription drug plan?

A Medicare prescription drug plan may provide more coverage than a Medicare supplement insurance (Medigap) policy or employer-provided prescription drug coverage. If Medicare considers your employer-provided drug coverage “credible” — meaning, coverage that is as good as the Medicare prescription drug coverage benefit — you are permitted to keep your current coverage without incurring future penalties. Check with your employer.

What about my drug coverage through my Medigap policy?

The benefit of a Medigap drug coverage plan is generally not as good as the new Medicare prescription drug plan, so carefully review the benefits of your Medigap drug coverage. If you are considering a change, you will need to make a decision during the enrollment period, or you could be subject to late enrollment penalties if you decide to enroll in a PDP later.

Enrollment Dates and Late Enrollment Penalties

Voluntary enrollment for Medicare prescription drug plans for 2008 began Nov. 15 and ends Dec. 31, 2007. If you enroll by Dec. 31, you new Medicare prescription drug coverage will begin Jan. 1, 2008.

If you are eligible, but wait to enroll after Dec. 31, you may be subject to late enrollment penalties. These penalties are generally 1% per month for every month you delay enrollment. That means if you wait until March, you would pay a 3% late enrollment penalty. There is no limit on the penalty, so the longer you wait to enroll, the higher the premium you will pay.

What are my options if I want to enroll in a Medicare prescription drug plan?

You can enroll in a stand-alone prescription drug plan (Medicare Part D) or you can choose a Medicare Advantage plan (Medicare Part C) that includes the new drug benefit.

You will want to compare plans and select the one that best meets your individual needs. Here are a few things to check:

See if all of your prescriptions are on the plan?s list of drugs (called a formulary).
Check for your preferred pharmacy.
Find out what co-payments you will be responsible for paying when filling a prescription.
Is the premium for your preferred plan affordable?

Medicare Fraud

Unfortunately, not everyone who contacts you about switching to a Medicare drug plan has the best intentions. To protect yourself from scam artists intent on taking advantage of your situation, here are some tips to avoid becoming a victim:

Beware of door-to-door sales people. Agents cannot solicit business at your home without an appointment. Do not let uninvited agents into your home.
Check with your state’s insurance department to make sure the salesperson is a licensed agent.
Do not give out personal information, such as Social Security numbers, bank account numbers or credit card numbers to anyone you have not verified as a licensed agent. People are not allowed to request such personal information in their marketing activities and cannot ask for payment over the Internet. They must send you a bill. Once you decide to purchase a plan and have verified that the agent is licensed, you may give the agent personal information to assist in enrollment and billing.
Verify that the plan you have chosen is an approved Medicare plan. All of the approved plans are available at www.medicare.gov or by calling 1-800-MEDICARE (1-800-633-4227).

Other Important Things to Consider

Federal assistance with premiums will be available to Medicare beneficiaries who meet certain income requirements.

Medicare beneficiaries may seek assistance in reviewing options for coverage and obtaining financial assistance by contacting their State Health Insurance Assistance Program (SHIP). Go to the NAIC website to link to your state insurance department.

More Information

There is more information available at www.medicare.gov, including an enhanced online Medicare Prescription Drug Plan Finder.

You can find more information about your changing insurance needs and tips for choosing the coverage that is best for your and your family at www.InsureUOnline.org

Medicare supplement & Medigap

Resources

This table provides information about rates, pre-existing waiting periods and contact information from companies selling Medicare Supplement coverage in Utah.

Comparison Table

Frequently asked questions

If you are fine with only the services in Parts A and B, you can choose to pay only for those parts. However, Parts A and B of Medicare don’t include drug coverage (Part D). They don’t include coverage for the things in Medigap Plans. You can view a comparison of the types of coverage offered by these plans and decide what is right for you. If you wait to elect drug coverage, your premium may be higher — this is called a penalty.

Medicare Advantage plans (Part C) are not part of the “Plan” choices on this website. When you have a Medicare Advantage plan, you still have to pay for regular Medicare premiums. However, the coverage is managed by a private insurance carrier that administers benefits for Medicare. This means they pay your doctor when you get care.

The plans might have a low or no additional premium. The premium you do pay may cover some small additional benefit. Part D drug coverage may NOT be included in Medicare Advantage plans. There may be gaps in coverage that will not be paid by your Medicare Advantage plan. You may have additional plan restrictions that aren’t on traditional Medicare. You may have to select a Primary Care Physician (PCP). You might have to get referrals when you get specialty care.

Yes, when you sign up for Medigap coverage, it might have additional cost share like a premium, deductible, and copay or coinsurance to pay for more services. You will already be paying some costs directly to the Social Security Administration for your Medicare. You may refer to the following website for a list of Medicare costs, by part: https://www.medicare.gov/your-medicare-costs/medicare-costs-at-a-glance.

Medigap Plans can no longer be sold with drug coverage, but if you already have a Medigap Plan with drug coverage, you can keep your plan.

Part D coverage can be obtained when you are first eligible for Medicare. Keep in mind that if you choose not to enroll in either Part D or another type of supplemental or advantage plan covering drugs, you may pay a penalty. You can find out more about Part D coverage on the Medicare.gov opens in a new tab website: https://www.medicare.gov/drug-coverage-part-d/how-to-get-prescription-drug-coverage opens in a new tab.

Medicare covers e-visits to allow you to talk with your doctor using an online patient portal without going to the doctor’s office. Practitioners who can provide these services include doctors, nurse practitioners, physician assistants, physical therapists, occupational therapists, and speech-language pathologists. Licensed clinical social workers and clinical psychologists may provide these services in specific circumstances. Medigap plans will cover 20% coinsurance for these visits.

Per the “Medicare and You” resource available through Medicare.gov opens in a new tab, you may defer enrollment in Medicare if you have employer or union coverage and are actively employed. Certain types of medical coverage would not fulfill this requirement such as:

Consolidated Omnibus Budget Reconciliation Act (COBRA) coverage,
Health Insurance Marketplace coverage,
Retiree coverage, and
VA coverage, etc.

Yes, you must enroll in Medicare Parts A and B first. You have to go to the Social Security Administration website to sign up. If you are signing up for the first time, you may wish to read the steps below:

Go to SSA.gov opens in a new tab and click on the Medicare Enrollment button (or icon).
Decide whether you want to sign up for BOTH Social Security benefits AND Medicare or just Medicare.
If just Medicare, click the “Apply for Medicare Only” button halfway down the page.
You will get a card in the mail. This is when you can sign up for Medigap coverage.
You will then get a bill after your Medicare coverage starts. If you signed up for Social Security benefits, your premiums may be deducted from your monthly check.

Happy birthday! Generally, when you are about to turn 65, you should look at the available options. Medicare should start the first day of the month in which you turn 65. Your enrollment period spans three months before through four months after the first day of your birth month. So, if you turn 65 on June 7, your enrollment period will start on March 1 and end on October 31. Refer to the “chicken or the egg” question above for the steps to help you sign up.

Those eligible for Tricare benefits still have to sign up for Medicare. Tricare has two types: Tricare or Tricare For Life.

Tricare For Life pays secondary to Medicare. So you will need to sign up for Medicare Parts A and B, but you wouldn’t need any Medigap.
Regular Tricare pays INSTEAD of Medicare. This means you can have both Medicare AND Tricare, but only one or the other can pay. If you seek care at a VA facility, Tricare will pay. If you go to a non-VA facility, Medicare will pay. You can have Medigap. This means you might have three types of coverage: Medicare, Tricare, and a Medigap Plan.

However, if you are an active-duty service member or have an active-duty family member, you don’t have to enroll in Part B to keep Tricare. Contact Tricare for more information.

Each insurance company decides how it will set the price, or premium, for its Medigap policies. The way they set the price affects how much you pay now and in the future. Medigap policies can be priced or “rated” in 3 ways:

Community-rated (also called “no-age-rated”). Your premium isn’t based on your age. Premiums may go up because of inflation and other factors but not because of your age.
Issue-age-rated (also called “entry-age-rated”). Premiums are lower for people who buy at a younger age and won’t change just because you get older. Premiums may go up because of inflation and other factors but not because of your age.
Attained-age-rated. Premiums are low for younger buyers but go up as you get older. They may be the least expensive at first, but they can eventually become the most expensive. Premiums may also go up because of inflation and other factors.

Most companies in Utah offer Attained-age-rated products. Other factors like where you live, medical underwriting, and discounts can also affect the amount of your premium.

Medicare SELECT is a type of Medigap policy that requires you to use hospitals and, in some cases, doctors within its network to be eligible for full insurance benefits (except in an emergency). They offer the same coverage benefits as the standard Medigap policies. Because SELECT policies restrict the network they are generally less expensive than standard plans. However, if you don’t use a Medicare SELECT hospital or doctor for non-emergency services, you’ll have to pay some or all of what Medicare doesn’t pay. Medicare will pay its share of approved charges no matter which hospital or doctor you choose.

Some people may not identify with a binary gender. However, insurance companies do still use binary genders to make rating decisions. This is currently a legal rating practice in Utah. To assist you further, you may speak with an agent, broker, or directly to an insurance carrier. A list of licensed agents and brokers is located on the Utah Insurance Department website. The department does not sponsor or recommend any particular licensed agent or broker.

If you are looking for a government, military, or other reference website for more information, you will want to make sure you are in the right place. Most government sites will usually end in .gov, .edu, .org, or .mil for the military. When in doubt, find a trusted source for a telephone number, call the department or organization you are trying to reach, and ask if you are in the right place.

NEVER give your personal information to someone you don’t trust. A trusted source will not charge you money for answers. Phone and email scams are common. You can call the Center for Medicare and Medicaid Services for answers on how to spot these scams and how to protect yourself.

If you have already selected a possible insurer, you may contact that insurer through an agent, broker, or directly via the insurance carrier. However, there are many resources to utilize for more information. You may call:

CHAMPVA phone: (800) 733-8387
CHAMPVA website: https://www.va.gov/communitycare/programs/dependents/champva/ opens in a new tab
Center for Medicare and Medicaid Services Medicare and You handbook: https://www.medicare.gov/medicare-and-you opens in a new tab
Center for Medicare and Medicaid Services: (800) 633-4227
Federal Employee Health Benefits (FEHB) Program, national: https://www.opm.gov/healthcare-insurance/healthcare/plan-information/plans/2020/state/ut opens in a new tab
Federal Employee Health Benefits (FEHB) Program, Utah: https://www.opm.gov/healthcare-insurance/healthcare opens in a new tab
Indian Health Service website: https://www.ihs.gov/ opens in a new tab
Medicare Advantage plans: https://www.medicare.gov/sign-up-change-plans/types-of-medicare-health-plans/medicare-advantage-plans opens in a new tab
Medicare guide to choosing Medigap coverage: https://www.medicare.gov/Pubs/pdf/02110-medicare-medigap-guide.pdf opens in a new tab
Railroad Retirement Board (RRB): https://rrb.gov/ opens in a new tab
Senior Health Insurance Program (SHIP), Utah: (877) 424-4640 or (801) 538-3910
Senior Health Insurance Program (SHIP), national phone: (800) 541-7735
Senior Health Insurance Program (SHIP), national website: https://www.shiptacenter.org/ opens in a new tab
Social Security Administration: https://www.ssa.gov/ opens in a new tab
Tricare phone numbers: https://www.tricare.mil/ContactUs/CallUs/AllContacts opens in a new tab
Tricare website: https://www.tricare.mil/ opens in a new tab
Utah Department of Aging and Adult Services phone: (800) 371-7897
Utah Department of Aging and Adult Services website: https://daas.utah.gov/ opens in a new tab
Utah Insurance Department Consumer Analyst team phone: (801) 957-9280
Utah Insurance Department website: https://insurance.utah.gov/
Veterans Benefits Administration website: https://benefits.va.gov/benefits/ opens in a new tab

Utah Medicare supplement (Medigap) insurance comparison

The participating insurance companies supplied the information contained in this comparison. The information and rates are representative only. For companies offering male and female rates, only male rates have been listed. For companies offering preferred and standard rates, only preferred rates have been listed. Please contact the specific companies for current and exact rate information.

All plans are available to Medicare recipients on a guaranteed issue basis if the individual is age 65 and already on Medicare Plan B and requesting the coverage within 6 months of turning age 65; or, age 65 or older and within the 6 month period after signing up for Medicare Part B. Certain individuals could also be eligible for guaranteed issue of Plans A, B, C*, D*, F*, G*, K, or L when losing other coverage.

*Plans C and F will no longer be available to people who are new to Medicare on or after January 1, 2020. However, if you were eligible for Medicare before January 1, 2020 but not yet enrolled, you may be able to buy Plan C or Plan F. People eligible for Medicare on or after January 1, 2020 have the right to buy Plans D and G instead of Plans C and F.

For more information about the Plans A-N* CLICK HERE. Also, attached is a CHART of coverage provided by each plan.

To compare monthly premium (rates) between insurance companies CLICK HERE.

Disclaimer – Links to Other Websites
As a convenience to our users, the Utah Insurance Department offers links to certain websites created and maintained by other public and/or private entities. The Department has no control over linked sites and cannot guarantee, or be held responsible for materials found on any non-departmental site. A link to another website is NOT a Department endorsement of that site.