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Best Medicare Supplement Plans in Utah 2020 – Comparison Chart

If you already enrolled in Medicare Part A and Part B, you may want to explore the best Medicare Supplement plans in Utah for 2020. They can defray medical expenses not covered by the Original Medicare program. A Medicare Supplement plan in Utah can reduce or eliminate copayments, deductibles, coinsurance and other out-of-pocket expenses that Original Medicare doesn’t pay.

Private insurance companies sell Medicare Supplement plans.  Each plan offers standardized coverage that fills in the gaps that the federal Medicare program does not pay. Also known as Medigap, all Medicare Supplement plans in Utah cover these basic expenses:

  • Hospital care coinsurance associated with Part A.
  • Hospice care coinsurance associated with Part A.
  • Coinsurance for Part B.
  • The first three pints of blood.

In addition to these standard benefits, each lettered plan offers a different level of benefits. You can choose one that works best for your needs and budget, so using our Medicare Supplement plans comparison chart can be helpful with your decision. Although the benefits are standard for each of the Medicare Supplement insurance plans in Utah, a company can charge whatever it wants, so it pays to compare rates for 2020. A Medigap plan is guaranteed renewable as long as you continue to pay the premiums.

How Are Rates Calculated for Medicare Supplement Plans in Utah for 2020?

Rates calculations for the best Medicare Supplement plans in Utah use the following methods:

  • Attained-age plans

    use your age. As you age, the premium increases.

  • Community rated plans

    do not consider age. Everyone covered by the policy pays the same rate.

  • Issue-age plans

    use your age when you first buy the Medigap plan. If you enroll when you are 65, you will pay less for the same policy than someone who joins at 75. Premiums do not increase as you age, but they may increase because of other factors such as inflation.

In Utah, the majority of Medicare Supplement plans are attained-age. A policy that you purchase from an insurance agency that uses this method is going to seem cheaper when you first buy it, but your rates will go up.

Medicare Supplement Plan Comparison Chart in Utah for 2020

There are 10 available Medicare Supplement plans in Utah which is the same throughout the rest of the United States. They are designated by letters A-N. They are standardized for each Medigap plan by the federal government. For example, Medigap Plan N is the same no matter the company offering it.  A company can charge any rate it wants for a plan, so it pays to compare rates between different insurers. There is no one best plan. The Medicare Supplement plan that provides benefits at a price that suits your needs is the best plan for you.

Medicare Supplement Plan F, Medicare Supplement Plan G and Medicare Supplement Plan N are considered by many to be the best Medicare Supplement plans in Utah for 2020. To determine which plans cover Medicare Part B excess charges and other costs, check out this Medicare Supplement plans comparison chart for informational purposes.

Medicare Supplement Plans Comparison Chart

Please note: Medigap Plan F in Utah will no longer be available to Medicare beneficiaries that turn age 65 after 01/01/2020. Plan F will still available to Medicare Beneficiaries who are already on Medicare Part A and Medicare Part B prior to 01/01/2020.

Do Medicare Supplement Plans in Utah Cover Prescription Drugs?

A Medigap plan does not include prescription drug coverage. Medicare Part D of Original Medicare, called the Medicare Prescription Drug Plan, is designed to cover prescription drugs. You can purchase Part D from approved providers during the annual open enrollment period.

Medicare Part C — or Medicare Advantage plans — do sometimes include prescription drug coverage. This is another option that you can explore, but be aware that network restrictions are often a problem with these plans. Talking to one of our licensed insurance agents will give you the chance to learn about Medicare Advantage and the best Medicare Supplement plans in Utah for 2020 so that you can make the right choice.

When Can I Enroll in a Medicare Supplement Plan in Utah?

To enroll in a Medicare Supplement plan, you must be 65 years old and enrolled in Medicare Part A and Part B. The six-month initial enrollment period begins the month you turn 65. During this Medigap Open Enrollment Period, you can buy any of the Medigap policies available in Utah regardless of your health. An insurer cannot deny coverage for preexisting conditions during this time.

There are certain situations, called guaranteed issue rights, that allow you to buy the best Medicare Supplement plan in Utah outside your initial enrollment period. It is essential to understand what these are and make sure you qualify. If you are eligible, the insurance company cannot refuse to sell you a policy, impose medical underwriting requirements or charge more.

If you are disabled or have end-stage renal disease, you may qualify for a Medigap plan even if you are not yet 65. Utah allows insurers to sell policies to those under 65 who are eligible. However, the price of premiums may be higher than for other Medicare Supplement plans in Utah.

Utah offers Medicare Select plans in addition to standard Medigap plans. Medicare Select policies may require you to use doctors, hospitals, and other facilities within a network. You may be able to enroll in a Select policy outside the open enrollment period.

Can a Utah Medicare Supplement Plan Be Used In Other States?

The best Medicare Supplement plans in Utah can be used anywhere in the U.S. with any doctor or medical facility that accepts Medicare payments. If you move, you can take the plan with you. However, rates vary from place to place, even ZIP code to ZIP code within the same city, so the amount you pay may change.

Medicare Supplement Plans in Utah:  Enrollment Statistics

According to the U.S. Census Bureau, approximately 3,051,217 people lived in Utah in 2016, and 10.5 percent of the population was over 65 years of age. Utah has one of the fastest growth rates of people aged 65 and over in the U.S.

The top 5 counties and percentage of seniors in each:

  • Washington County 20.9 percent
  • Weber County 11.4 percent
  • Salt Lake County 10.1 percent
  • Davis County 9.5 percent

Utah County 7.4 percent

Piute County had the highest percentage of seniors in 2016, at 26.7 percent of the county’s 1,466 residents.

More than 236,000 people in Utah have Original Medicare as of 2017. The Kaiser Family Foundation reports that in 2015 in Utah, 12 percent of the population received Medicare benefits. Of these, 86 percent were beneficiaries because of age, and 14 percent were beneficiaries because of a disability. Almost 7 percent of the population under 65 has a disability.

In 2015, more than 68,000 people, or approximately 30 percent of Medicare beneficiaries also had a Medicare Supplement plan in Utah. The most popular plan was Plan F, followed by Plan N and Plan G. A total of 57,441 recipients, or 84 percent, were enrolled in these three Medicare Supplement plans:

  • 5,894 enrolled in Plan F
  • 6,252 enrolled in Plan N
  • 5,295 enrolled in Plan G

Bigger cities like Salt Lake City are going to offer more options for the best Medicare Supplement plans in Utah for 2020. However, plan options for Medigap policies are available all over the state if you want to supplement Medicare Part A and Medicare Part B. Even in smaller areas, comparing Medicare plans will help you score the most affordable monthly premium.

Related Medicare Supplement Plan Topics in Utah

Senior Life Insurance Plans is a great resource for Medicare beneficiaries to learn about there options, we also specialize in senior life insurance plans. We help educate Medicare beneficiaries on their Medigap options and help them go through the process of reviewing and comparing plans. We work with most of the nation’s top-rated Medigap carriers such as AetnaCignaMutual of Omaha and Florida Blue Medicare plans. Give us a call today, or request a quote online to learn more about Aetna Medicare Supplement plan G and Mutual of Omaha Medicare Supplement plan G in your state. We educate you on the best Medicare Plans for your situation, then let you decide.

Medicare Supplement Plans in Utah: Medicare Resources

The State Health Insurance Assistance Program operates in all 50 states, providing free information and counseling to seniors about Medicare and other health care issues. In Utah, the link to this program is below:

Along with our Medicare Supplement plans comparison chart above, here are a few other online resources in Utah that give more information about Medicare Supplement plans and other services for seniors: