Utah Medicare insurance is a program funded by the federal government, and it provides coverage to US citizens who are over the age of 65 or people with certain disabilities. Utah also provides programs that assist and educate Medicare beneficiaries in the state.
Utah Medicare Insurance Trends
The Centers for Medicare & Medicaid Services (CMS) reported the following information on 2024 Medicare trends in Utah:
- There are 446,784 Medicare enrollees in Utah.
- The average Medicare Advantage monthly premium decreased in Utah from $14.24 in 2023 to $13.05 in 2024.
- In 2024, there are 47 Medicare Advantage plans available.
- 99.8% of Utah residents with Medicare can purchase a Medicare Advantage plan with a $0 premium.
- Currently, there are 21 Medicare prescription drug plans offered in Utah.
- The lowest monthly premium for a Medicare prescription drug plan is $0.50.
Medicare Offered in Utah
Medicare is a government health care program that offers financial assistance to those 65 or older and people of any age with disabilities. If you’re a resident with Medicare in Utah, you have many options when it comes to your coverage.
The coverage provided by Medicare begins with the Original Medicare, which is composed of Part A and Part B. Part A revolves around hospital insurance, covering services such as inpatient hospital care and inpatient psychiatric care. Part B is about medical insurance, covering medically necessary treatments and durable medical supplies, along with preventive services.
Premiums for Original Medicare are much more affordable than average premiums for health insurance in Utah. Both Part A and Part B will require the beneficiary to cover the out-of-pocket expenses, including deductibles, copays, and coinsurance costs.
Instead of obtaining Original Medicare and supplemental Medicare plans separately, the medical beneficiary may instead purchase a Medicare Advantage Plan. These plans are also available from the Medicare-approved private health insurance companies.
The primary providers of Medicare Advantage plans in Utah, with ratings, are:
- Advantage U Signature (PPO)
- Aetna – 4.5/5 stars
- AARP – 4.5/5 stars
- Cigna – 3.5/5 stars
- Lasso Healthcare – 2/5 stars
- Molina Healthcare Utah & Idaho – 3.5/5 stars
- Regence Valiance (PPO) – 4.5/5 stars
- SelectHealth – 5/5 stars
All of these plans provide the same basic coverage provided by Original Medicare. However, they may also offer Medicare Part D coverage. Each plan may cover different health services that are not covered by Part A, and Part B.
Medicare Supplement Plans
Some plans may cover healthcare services that Original Medicare does not cover. The supplemental plan may also help cover the out-of-pocket expenses in Part A and Part B. Residents of Utah can choose from the following Medicare Supplement providers:
- AARP – UnitedHealthcare
- Colonial Penn
- Garden State
- Great Southern
- Regence BlueCross BlueShield of Utah
- State Farm
Utah Medicare Enrollment
Utah residents are eligible for Medicare if they are U.S. citizens and above 65 years old or are under 65 but are permanently disabled, have end-stage renal disease, or Amyotrophic Lateral Sclerosis. Use Medicare’s online eligibility tool if you are unsure if you qualify.
- You are 65 or older, and you or your spouse worked and paid Medicare taxes for at least 40 quarters.
- You are under age 65 and collect benefits from Social Security or the Railroad Retirement Board for at least 24 consecutive months.
- You have ESRD or ALS.
Enrollment Period Dates
Initial Enrollment Period
This is a seven-month window that allows you to sign up for a plan
- Begins 3 months before the month you turn 65
- Ends 3 months after the month you turn 65
Medicare Open Enrollment Period
This is when you can sign up for a plan, switch a plan or leave a plan
- Begins Starts October 15th
- Ends December 7th
Special Enrollment Period
Special enrollment periods allow you to enroll outside the regular enrollment periods under specific circumstances.
General Enrollment Period
This is when you can sign up for Medicare Part A and/or Part B if you didn’t sign up when first eligible or if you’re not qualified for a Special Enrollment Period.
- Starts January 1st
- Ends March 31st
Medicare Advantage Open Enrollment Period
This is when you can switch or leave a Medicare Advantage Plan
- Starts January 1st
- Ends March 31st
Utah Enrollment Tips & Advice
Utah has a relatively high poverty rate, and among those struggling may be Medicare beneficiaries who cannot afford to cover all their Medicare expenses. The Utah state government offers Medicare Savings Programs that can help pay for some of these expenses. These programs do have eligibility limits for income and assets.
Utah has a State Health Insurance Assistance Program (SHIP) that clarifies and answers regarding Medicare matters. Medicare beneficiaries in the state can call 800-541-7735 for information. Or, you can speak with the Department of Aging and Adult Services (DAAS) for assistance with local programs, nutrition programs, transportation needs, in-home care, and information about SHIP.
How Do I Enroll in a Medicare Plan?
If you have any questions about Utah Medicare and your eligibility for financial assistance, speak to one of our licensed agents today. Our agents will discuss your Medicare options and help find a plan that works for you.