About 40% of Utah’s 429,000 Medicare beneficiaries enroll in Medicare Advantage plans. These plans offer beneficiaries extended coverage that lowers healthcare costs overall. Read on to learn about the Utah Medicare Advantage plans available.
Medicare Advantage plans in Utah
Medicare leaves many coverage gaps despite its valuable benefits. If you’re concerned about rising healthcare costs, Medicare Advantage plans might be an excellent choice.
Since private insurance companies create and manage these plans, they offer different benefits depending on which one you choose.
There are government standards governing Original Medicare and Medigap coverage nationwide, but Medicare Advantage plans aren’t subject to them. Because of this, benefits may differ between programs.
These statistics are accurate for a single zip code in Utah, so your results may vary depending on where you live.
Beneficiaries of Medicare Advantage plans in Utah have the following choices. Make sure you carefully research which program best suits your needs since some offer specific benefits, like free premiums or reduced deductibles.
Medicare Advantage plans with a zero-dollar premium
Although many beneficiaries may find zero-dollar-premium plans enticing, some disadvantages exist. A higher deductible will result in much higher costs for beneficiaries undergoing surgery or spending some time in the hospital.
Even though consistent savings may outweigh the one-time charges, beneficiaries of these plans should plan ahead.
Medicare Advantage beneficiaries in Utah have an excellent choice in Humana (HMO). Besides receiving a four-star rating and zero-dollar premium, the plan also comes with a $5,000 MOOP (maximum out-of-pocket).
Utah beneficiaries can also choose Aetna (Local PPO). This plan has four stars and no monthly fee, with a competitive MOOP for the area. With a MOOP of $5,000, Aetna’s plan is perfect for many Utah residents.
SelectHealth’s local PPO plans offer adequate coverage for a reasonable price. As an alternative to HMOs, Utah beneficiaries can choose SelectHealth for a $5,000 MOOP, a perfect five-star rating, and no monthly premium.
| PLAN | PREMIUM | MOOP | PLAN TYPE | STAR RATINGS |
| SelectHealth | $0 | $5,400 | HMO | 5 |
| Aetna | $0 | $5,000 | LOCAL PPO | 4 |
| $0 | $5,900 | HMO | 4 | |
| Humana | $0 | $5,000 | LOCAL PPO | 4 |
| Cigna | $0 | $5,200 | HMO | N/A |
Medicare Advantage plans with a zero-dollar drug deductible
Medicare Advantage plans from Molina Healthcare are the most affordable in Utah without deductibles for prescription drugs. Its three-star rating comes with its MOOP of $5,400 and zero-dollar premium.
Humana’s Utah plan is also an excellent option. Four stars is an outstanding rating, and there is no additional monthly premium. Additionally, it has a $5,900 MOOP, making it a viable option for Utah residents.
Aetna is another option for Utah residents. This local PPO plan has no premiums, and the MOOP is $5,200. Aetna’s program also earned a four-star rating, so beneficiaries can choose this plan with complete confidence.
| PLAN | PREMIUM | MOOP | PLAN TYPE | STAR RATINGS |
| Cigna | $0 | $5,200 | HMO | N/A |
| Aetna | $0 | $5,200 | LOCAL PPO | 4 |
| Humana | $0 | $5,900 | HMO | 4 |
| Molina Healthcare | $0 | $5,400 | HMO | 3 |
| Cigna | $0 | $5,500 | LOCAL PPO | 3 |
Advantage plans with a 5-star rating
Beneficiaries in Utah who choose a five-star plan are eligible for a Special Enrollment Period. This period simplifies the enrollment process, so it may be worthwhile to consider when choosing your plan.
SelectHealth provides the state’s only five-star Medicare Advantage plan. Beneficiaries of this plan can expect exceptional service and coverage since it received the highest rating.
| PLAN | PREMIUM | MOOP | PLAN TYPE | STAR RATINGS |
| SelectHealth | $0 | $5,400 | HMO | 5 |
Medicare Advantage plans with a Part B reduction
The Part B reduction can save plan beneficiaries a lot of money. Despite this, you should note that not all areas offer the Part B reduction.
You’ll get the best Part B discounts in the state with . Besides offering a $50 discount, the plan also has a $5,400 monthly out-of-pocket maximum, which is competitive with other options in the area.
The plan offered by Molina Healthcare has a discounted Part B premium. Budget-conscious people will appreciate the $49 reduction.
Last but not least, SelectHealth’s plan offers a $30 discount. Although the plan has a low reduction, its MOOP of $5,400 and five-star rating still makes it one of Utah’s best overall plans.
| PLAN | PREMIUM | MOOP | PART B REDUCTION | STAR RATINGS |
| SelectHealth | $0 | $5,400 | $30.00 | 5 |
| Aetna | $0 | $5,000 | $25.00 | 4 |
| Humana | $0 | $5,000 | $10.00 | 4 |
| $0 | $5,400 | $50.00 | 4 | |
| Molina Healthcare | $0 | $5,400 | $49.00 | 3 |
Ancillary/DVH
There are many advantages to Medicare Advantage plans, including that most of them cover dental and vision care. Original Medicare and Medigap don’t include these aspects of coverage, but they are equally crucial for healthy living.
Many beneficiaries choose Medicare Advantage plans as supplemental insurance because of this benefit.
Estimation of Medicare Advantage plan premiums for Utah Cities
Reviewing the accompanying charts can obtain premium estimates for each type of Medicare Advantage coverage for the following cities.:
FAQs
Does Utah have Medicare Advantage plans?
There are 54 different Medicare Part C plans available to beneficiaries in Utah. Private providers support these plans, so the benefits differ between the plans.
However, all of these plans offer valuable extended coverage to Utah beneficiaries.
What is the difference between regular Medicare and Medicare Advantage in Utah?
Original Medicare consists of Part A and Part B, covering routine and emergency medical services. The federal government funds Medicare and establishes stable benefits for the program across the country.
Conversely, private providers offer Medicare Advantage plans, meaning the government does not standardize the benefits.
Who qualifies for Medicare Advantage in Utah?
Anyone who qualifies for Utah Medicare coverage is eligible for Medicare Part C plans. Reaching the age of 65 is the main requirement, although exceptions exist for those with disabilities.
What determines the cost of a Medicare Advantage plan in Utah?
Several factors determine the cost of Utah Medicare Advantage plans. Where the beneficiary lives, chosen plan, and the Medicare Advantage company can impact the price of these plans. You can use Medigap.com or contact our team of experts to find the best rates for your area today.
When can I enroll in a Medicare Advantage plan in Utah?
The best time to enroll in a Medicare Advantage plan is during the Initial Enrollment Period. However, beneficiaries can also use the Annual Enrollment Period to edit their coverage plans.
How to get help enrolling in a Utah Medicare Advantage plan
Utah has many Medicare Advantage plans, so choosing one can be difficult. Fortunately, by working with the experts at Medigap.com, Utah, beneficiaries can easily find the right Medigap coverage.
Our licensed agents will take their time with you and share their expertise to help you narrow down the right plan for you.
Call us today, or fill out our online rate form to find your area’s best Utah Medicare Advantage rates.
