The Best Medicare Supplement (Medigap) Plans in Utah
- Utah Medicare Supplement (Medigap) insurance helps cover Medicare-related expenses such as copays and deductibles. Learn more about Medicare Supplement plans in Utah, including what they might cover and when the best times are to enroll.
If you have recently become eligible for Medicare coverage in Utah, you may have questions about Medigap insurance policies. Also known as Medicare Supplement Insurance, these insurance options are designed to work together with Medicare Part A and Part B, also called Original Medicare, to help pay for out-of-pocket costs like deductibles and copays that Original Medicare doesn't cover.
36% of Original Medicare beneficiaries in Utah are enrolled in a Medicare Supplement plan.
Have Medicare questions?
Talk to a licensed agent today to find a Medicare Supplement plan.
What Are the Best Utah Medicare Supplement Plans?
In Utah, as in most other areas of the United States, 10 types of standardized Medigap plans may be available. Each plan is referred to by its assigned letter and is standardized across all insurers who offer these plans.
| Medicare Supplement Benefits | A | B | C1 | D | F1 | G | K | L | M | N |
| Part A coinsurance and hospital costs | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Part B coinsurance or copayment | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ |
| First 3 pints of blood | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ |
| Part A hospice care co-insurance or co-payment | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ |
| Co-insurance for skilled nursing facility | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ | ||
| Medicare Part A deductible | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | 50% | ✓ | |
| Medicare Part B deductible | ✓ | ✓ | ||||||||
| Medicare Part B excess charges | ✓ | ✓ | ||||||||
| Foreign travel emergency | 80% | 80% | 80% | 80% | 80% | 80% | ||||
| 1. Plans C and F are not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020. 2. Plans F and G also offer a high deductible plan which has an annual deductible of $2,870 in 2025. Once the annual deductible is met, the plan pays 100% of covered services for the rest of the year. The high deductible Plan F is not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020. 3. Plan K has an out-of-pocket yearly limit of $7,220 in 2025. Plan L has an out-of-pocket yearly limit of $3,610 in 2025. 4. 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 for emergency room visits that don’t result in an inpatient admission. View an image version of this table. |
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All Medicare Supplement Insurance plans include coverage for the coinsurance requirements of Medicare Part A and for 365 extra days of hospitalization in addition to the coverage provided by Medicare. Medigap plans also include at least partial coverage for Part B copays and may pay for all or a portion of the deductible required for Medicare Part B recipients.
The Medicare Access and CHIP Reauthorization Act of 2015 restricted enrollment in Medigap Plans C and F to only those who became eligible for Medicare before January 1, 2020. This may limit your choice of plans in the state of Utah if you did not turn 65 prior to that date.
Have Medicare questions?
Talk to a licensed agent today to find a Medicare Supplement plan.
How Do I Enroll in a Utah Medigap Plan?
For six months following the first day of the month in which you turn 65 and are enrolled in Medicare Part B, you will have access to all Medigap plans offered in your part of Utah.
Insurance companies cannot turn you down for coverage during your Medigap open enrollment period, and your premiums will not be increased because of any pre-existing conditions that you may have. In fact, Medigap providers are required to offer you the same rates as they would offer completely healthy individuals during your six-month Medigap open enrollment period.
If you fail to enroll in Medigap coverage during this time period, however, you may be denied coverage altogether or may be asked to pay higher premiums for your care. Because insurers are allowed to use underwriting standards to determine risk profiles for people who apply outside the six-month window, the cost of waiting to enroll can be quite high.
Some Medicare recipients may be eligible to buy Utah Medigap coverage at preferred rates and with no risk of rejection by the insurers:
- If you have previously had Medigap insurance and lost it through no fault of your own, you may have guaranteed issue rights that will allow you to buy this coverage on the same terms as those who apply during the initial six months of eligibility. This typically occurs because the company that originally provided the Medicare Supplement Insurance policy has gone bankrupt or can no longer provide financial support for its policies.
- Patients who chose a Medicare Advantage plan when they turned 65 and then decided they would prefer Original Medicare and Medigap coverage can also receive guaranteed issue rights if they make this change within the first year after eligibility.
Helpadvisor.com is owned and operated by Tranzact, the parent company of TZ Insurance Solutions LLC, which is the owner/operator of MedicareSupplement.com and other websites mentioned on HelpAdvisor and which has a financial relationship with some of the carriers listed on HelpAdvisor.
