Medigap plans in Utah work the same way as they do in 46 other states. Utah has only one main Medigap enrollment period. Medigap, also known as Medicare Supplement, is a type of private health insurance designed to help cover the out-of-pocket costs that are not covered by Original Medicare (Part A and Part B).
How does Medigap work in Utah?
In Utah, there are 10 standardized Medigap plans available, labeled with letters A, B, C, D, F, G, K, L, M, and N. Each plan offers different benefits and covers different portions of the cost-sharing expenses that Medicare beneficiaries would otherwise be responsible for paying themselves.
Private insurance companies sell Medigap plans in Utah, and not the government directly. The cost and availability of Medigap plans may vary depending on the insurance company and the area in which you live. You can get a comparison quote here!
How much does Utah Medigap cost?
The pricing of Utah Medigap plans varies by plan, insurance provider, age, and zip code. You can learn how much your Utah Medigap plan will cost by clicking the button below and getting an immediate instant quote.
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These prices are standardized and regulated so that no one can offer the same plan for a lower cost than you will see here on Senior65.com
Utah Medigap Plan Chart of Current Plans
Plans available for those Medicare-eligible after January 1, 2020:
| Benefits | A | B | D | G* | K | L | M | N |
|---|---|---|---|---|---|---|---|---|
| Medicare Part A Deductible ($1,632) | 100% | 100% | 100% | 50% | 75% | 50% | 100% | |
| Part B Deductible ($240) | ||||||||
| Medicare Part A Hospital Coinsurance and 365 additional hospital days | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% |
| Medicare Part B Coinsurance | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% |
| First 3 Pints of Blood for a Transfusion | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% |
| Medicare Part A Hospice Coinsurance or Copay | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% |
| Skilled Nursing Facility Coinsurance | 100% | 100% | 50% | 75% | 100% | 100% | ||
| Medicare Part B Excess Charges | 100% | |||||||
| Foreign Emergency Healthcare | 80% | 80% | 80% | 80% | ||||
| Max Out-of-Pocket | $7,060 | $3,530 |
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*Medigap Plan G High deductible ($2,800) is also available. Note: Plan F and Plan C are not featured on this chart as they are no longer available to those new to Medicare.
Who is eligible to enroll in a Utah Medigap policy?
To enroll in a Medigap plan in Utah, you must be enrolled in Original Medicare (Part A and Part B). Anyone who is 65 and older is eligible to enroll in all available plans in their area. Individuals under the age of 65 and with a disability can also enroll in Medigap plans, but not all plans may be offered, and the premiums can be significantly more expensive. You can learn more about Under 65 Medigap policies here.
When should you enroll in a Utah Medigap plan?
You can enroll in a Utah Medigap plan during the initial enrollment period, which starts on the first day of the month you turn 65 and have enrolled in Medicare Part B. You also have a six-month open enrollment period during which you can enroll in any Medigap plan offered in Utah without medical underwriting. Use our Senior65.com deadline calculator to figure out when your Medicare insurance should start.
If you miss your Medigap Initial Open Enrollment period, you may still enroll in a Medigap plan, but you may be subject to medical underwriting. This means that you could be charged a higher premium based on your health status or even denied coverage altogether. (Source)
Switching Medigap Plans in Utah
The AEP Open Enrollment from October 15 to December 7 doesn’t apply to Medigap in your state. If you’re enrolled in Medigap and want to switch plans, you can do so at any time. But be aware that you might need to go through another evaluation and answer around 20 health questions before the new plan is approved. This is often referred to as “medical underwriting”.
Based on your answers, your rate may vary, or you could be declined for certain conditions. For more details on your rights and the rules, read our article, “The Ultimate Guide to Changing Medicare Insurance.” Contact us at 800-930-7956 if you’d like support with switching your Medicare Supplement plan.
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Utah Medicare Excess Charges
Part B Excess charges occur if your doctor decides to charge more than what Medicare approves. This usually happens when they don’t agree with Medicare’s terms and add extra fees, legally up to 15%. Luckily, Medigap Plan G covers all these charges, so you won’t have to worry about paying those extra fees yourself if you enroll in it. Explore this topic further in our article titled “How to Avoid Medicare Excess Charges.”
Are there any UT Medigap discounts?
Yes, there are! To learn more about Utah discounts click on the following links:
How can you enroll in a Utah Medigap plan?
If you have questions or need help enrolling in a Utah Medigap plan, you can ask a question below or call one of our licensed agents at 800-930-7956. Our agents never charge a fee for their services, and no insurance provider can offer the same Medigap plan for less cost than on Senior65.com.