Which Utah Medicare Supplement is Best for Me?
When talking about traditional Medicare and additional coverage with Medicare supplement plans, Utah seniors agree, its the best coverage you can get. It all comes down to choice and control. But, which plan is best for you?
We're all different, and so are our health needs and budget. What's best for you is very different than what's best for your neighbors, or even your spouse. It all comes down to what you can afford and your health. That said, you can narrow your search to what's most popular, plans: F, G, and N. Read on to learn why.
Top 10 Medicare Supplement Plans in Utah
Looking for the best Plan F, G or N available to Utah seniors?
- 10 Best Medicare Supplement Plan F
- 10 Best Medicare Supplement Plan G
- 10 Best Medicare Supplement Plan N
Utah Medicare Supplement Plan F Comparison Chart
Medicare Supplement Plan F is the most popular Medigap plan available in Utah. Here are the 10 best Plan F policies available in Utah based on our reviews (click for details):
Utah Medicare Supplement Plan G Comparison Chart
Medicare Supplement Plan G is rapidly gaining popularity among Utah seniors. With Plan F going away in 2020, it is expected to be the new gold standard. Here are the 10 best Medigap Plan G policies available in Utah based on our reviews (click for details):
Utah Medicare Supplement Plan N Comparison Chart
Medicare Supplement Plan N is similar to Plan D, but covers Medicare Part B coinsurance costs differently. Due to its lower cost and good coverage, it's catching the attention of many Utah seniors. Here are the 10 best Medigap Plan N policies available in Utah based on our reviews (click for details):
Best Utah Medigap Plan Reviews
We review all major Medigap insurance carriers selling policies in Utah. Our 5-star ratings are unbiased. We use a complex formula that evaluates years in business, A.M. Best financial strength rating, plans serviced, plan premiums and fees. Currently, our formula does not take rate increase history into account, so be sure to ask your agent for this information.
Our analysis of Medicare Supplement Plans in Utah is based on a statewide review, not national. We recommend consumers use our 5-star ratings as one aspect of their decision-making process. It helps compare insurance carriers at-a-glance.
How Much do Supplemental Medicare Plans Cost in Utah?
To get an accurate rate on Medicare Supplement plans, Utah agents will ask for your address, age, sex, and use of tobacco products. The rates we list are samples based on a 65-year-old, non-smoking woman, and include applicable household discounts. Use our rates for comparison purposes only. Call 1-855-266-4865 to get quote.
Utah Medigap Plans are Standardized
Utah Medicare Supplement insurance carriers are required to adhere to state and federal laws that are designed to protect consumers. Medigap plans must be clearly identified as Medicare Supplement Insurance. Each standardized Medicare Plan is identified by letters A through N and must offer the same identical benefits as all other plans with the same letter. The only variance is the monthly premium.
NOTE: Medigap, Medicare Supplements and Medicare Plans are all names used interchangeably for supplemental insurance that fills the gaps in Original Medicare coverage.
All Utah Medicare supplement policies offer the same basic benefits, however, some offer additional gap coverage. This allows you to choose the amount of insurance you need.
Each insurance company decides which policies it wants to sell, although state laws might affect which ones they offer. Insurance companies that sell Medicare supplemental insurance:
- Don't have to offer every Medigap plan
- Must offer Medigap Plan A if they offer any Medigap policy
- Must also offer Plan C or Plan F if they offer any plan
For more information, visit the Utah Department of Insurance website at http://www.insurance.utah.gov/.
Utah Medicare Supplement Plan Comparison Chart
The following chart offers a quick look at the benefits provided by each standardized plan.
|Medicare Part A Coinsurance and hospital costs up to an additional 365 days after Medicare benefifits are used up||Yes||Yes||Yes||Yes||Yes||Yes||Yes||Yes||Yes||Yes|
|Medicare Part B Coinsurance or Copayment||Yes||Yes||Yes||Yes||Yes||Yes||50%||75%||Yes||Yes**|
|Blood (First 3 Pints)||Yes||Yes||Yes||Yes||Yes||Yes||50%||75%||Yes||Yes|
|Part A Hospice Care Coinsurance or Copayment||Yes||Yes||Yes||Yes||Yes||Yes||50%||75%||Yes||Yes|
|Skilled Nursing Facility Care Coinsurance||No||No||Yes||Yes||Yes||Yes||50%||75%||Yes||Yes|
|Medicare Part A Deductible||No||Yes||Yes||Yes||Yes||Yes||50%||75%||50%||Yes|
|Medicare Part B Deductible||No||No||Yes||No||Yes||No||No||No||No||No|
|Medicare Part B Excess Charges||No||No||No||No||Yes||Yes||No||No||No||No|
|Foreign Travel Emergency (Up to Plan Limits)||No||No||Yes||Yes||Yes||Yes||No||No||Yes||Yes|
* Medicare Plan F also offers a high-deductible plan. If you choose this option, this means you must pay for Medicare-covered costs up to the deductible amount of $2,240 before your Medigap plan pays anything.
** Medicare Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 copayment for emergency room visits that don't result in an inpatient admission.
*** After you meet your out-of-pocket yearly limit and your yearly Part B deductible, the Medigap plan pays 100% of covered services for the rest of the calendar year.
You Have Questions About Medicare Supplements And We Have Answers
We get it. Figuring out which Utah Medigap plan is right for you is difficult. Here are a few of the most frequent questions we answer.
Medicare Supplement premiums vary per person. Premiums are based on things like age, gender, zip code, and more. We offer a free quote service to help you find the best Medicare Supplement in Utah for your needs.
You have many options in Utah. Here are some of the best:
- Reserve National
- Liberty Bankers Life
As a general rule, you can apply for a Medigap plan anytime. However, if you want to protect your guaranteed issue rights you should buy a policy as soon as you are eligible for Medicare Part B benefits. Here's a list of your top choices in Utah.
Still have questions about Medicare Supplement Insurance in Utah?
Try one of these topics:
- What are Medicare Supplement Plans?
- Medicare Supplement Plans Comparison Chart
- Best Medicare Supplement Plans
- Best medicare Supplement Plans Reviews
- Are Medicare Supplement Plans Worth it?
- Medicare Supplement Plans for Disabled Under 65
- Can I Change Medicare Supplement Plans Anytime?
- Medicare Supplement vs Advantage Plans
Need Local Help?
The State Health Insurance Assistance Programs (SHIPs) provide free, one-on-one insurance counseling and assistance to Medicare beneficiaries, their families and caregivers. The Utah SHIP is a grant-funded project of the federal U.S. Department of Health and Human Services (HHS). You can reach them by phone or on their website:
Additional Foot Notes
 Sample premium is for a 65 year old, non smoking, woman living in Utah. The rate was accurate on date of publication. Rates change frequently and they are priced by county. You must contact a licensed agent to get a current rate for your situation.
 Review rating stars are derived from MedicareWire reviews on our Medigap Plan pages.