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Medicare Supplement Plans in Utah

Beneficiaries looking for an alternative to Original Medicare have the option of enrolling in a Medicare Supplement plan in Utah. The federal Medicare program has “gaps” that require beneficiaries to pay out-of-pocket costs like copayments and coinsurance. Medicare Supplement plans in Utah are designed to close the gaps, making Medicare benefits simpler and health care more affordable.

How much does a Medicare Supplement plan in Utah cost?

As an example, we compared quoted premiums for a 65-year-old female nonsmoker living in Utah zip code 84118. This may give you an idea of approximate rates for the most popular plan options.

65-Year Old Female Non-Tobacco
Plan Type Premium Range
Plan G$104.76 - $158.76
Plan N$86.92 - $115.39

What is the best Medicare Supplement plan in Utah?

Each Medicare Supplement insurance plan in Utah is marked with a letter. Each lettered plan includes the same basic benefits and plan limits regardless of the insurance company chosen. Compare the top five Utah Medigap policies to see which policy may fit your health care needs and budget best.

1. Best for Comprehensive Coverage – Plan F

  • Limited to beneficiaries with a Medicare Part B effective date on or after January 1, 2020.
  • The most comprehensive of all Medicare Supplement plan options.
  • Covers Medicare Part A deductible and Medicare Part B deductible plus Part B excess charges and all coinsurance for Parts A and B.
  • Includes foreign travel emergency care benefits.
  • No copayments for doctor or emergency room visits.

2. Best Extensive Coverage – Plan G

  • Open to all Medicare beneficiaries regardless of Original Medicare start date.
  • Same basic benefits as Medicare Plan F except for the Medicare Part B deductible.
  • No copays for doctor or emergency room visits.

3. Best Coverage at Value Prices: Plan N

  • Covers the Part A deductible but not the Part B deductible.
  • Doesn’t cover Part B excess charges.
  • Requires copays up to $20 for doctor visits and up to $50 for emergency room visits.

When can I enroll in a Medicare Supplement Plan?

The only requirement for Medigap eligibility is enrollment in Original Medicare. You can apply for the plan of your choice at any time, but there are guaranteed issue rights that are only extended during your Medigap Open Enrollment Period. That period starts the first day of the month that you sign up for Medicare Part B and lasts for six months.

The guaranteed issue rights include:

  • All Medicare beneficiaries are accepted regardless of pre-existing conditions and current health condition.
  • Your rates will not depend on medical underwriting.
  • The insurance company cannot cancel your policy in the future unless you stop paying your monthly premiums.

What Companies Sell Medigap Plans in Utah?

There are more than 40 private insurance companies authorized to sell Medigap insurance in Utah. When selecting a Medicare insurance company, it’s important to consider the following factors:

  • Pricing
  • Financial health and integrity
  • Excellence in customer service

The following insurance companies are among the best insurers for a Medigap plan in Utah as of 2022:

  • Cigna
  • Aetna
  • Mutual of Omaha
  • Humana

Related Topics

Ready to learn more?

My Medigap Plans is a rapidly growing resource for Medicare beneficiaries. We specialize in educating consumers on their options and guiding them through the process of plan selection. We work closely with some of the nations top rated carriers such as Aetna, Cigna and Mutual of Omaha. Compare our list of the 10 Best Medicare Supplement Insurance Companies or take a deeper look at the plans by reviewing our Medicare Supplement Plans Comparison Chart. Learn more or about Medicare Part D Prescription Drug plans, or request a Medicare Supplement Plan Quote.

Utah Medicare Resources

Utah Enrollment Statistics

These are the Utah counties with the highest population numbers and the estimated number of Medicare-eligible residents:

  • Salt Lake City: Population of 1,029,665, with 109,144 who are 65 or older
  • Utah County: Population of 516,000, with 38,742 who are 65 or older
  • Davis County: Population of 306,479, with 54,247 who are 65 or older
  • Weber County: Population of 138,115, with 20,579 who are 65 or older
  • Washington County: Population of 231,236, with 26,592 who are 65 or older

A few more interesting stats:

  • According to a 2017 report from the Centers for Medicare and Medicaid Services, more than 236,000 residents of Utah were enrolled in Medicare Part A and Part B.
  • Of the total Medicare enrollees, 68,264 Utah residents carried a Medigap health insurance policy.
  • Medigap policies are designated A to N, and coverages and rates vary. In Utah, Medicare Supplement Plan F was most popular among Medigap subscribers with 45,894 enrollees in 2015. Plans E, H, I, and J are no longer open to new subscribers.
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