Medicare / Medigap / Med Advantage


External resources opens in a new tab
Medicare & You Handbook opens in a new tab

10 things you should know about buying a Medigap policy

Medicare Advantage Plans

From the Center for Medicare & Medicaid Services (CMS)

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 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, 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

Medicare supplement & Medigap


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

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.