Find 2019 Medicare Plans in Utah - UT Medicare Insurance Overview

Medicare Insurance in Utah

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Utah Medicare Insurance

Utah Medical Insurance Stats

Medicare in Utah

Medicare offers healthcare coverage to Utah residents age 65 or older, or to those Utah residents that suffer from certain medical disabilities. In 2016, 342,000 people are enrolled in Medicare in Utah, accounting for 11.3% of the population in Utah. In 2009 about $8,326 was spent per Medicare enrollee in Utah, approximately 19.67% lower than the national average of $10,365. From 2015 to 2030 the number of seniors in Utah is projected to rise by an estimated 63.92% according to calculations based off of the 2000 Census. Therefore the number of Medicare beneficiaries in the state is also expected to grow substantially.

Local Medicare Resources

Medicare beneficiaries, their families, and their caretakers can receive free, one-on-one, and unbiased health benefits counseling from the state’s Senior Health Insurance Information Program (SHIP). Utah also participates in a national Senior Medicare Patrol (SMP) program which aims to educate individuals on how to detect, avoid, and report cases of possible healthcare errors, waste, fraud, and/or abuse.

Types of Medicare Coverage

When you are eligible for Medicare you may sign up for Original Medicare (Part A & Part B), which cover hospital services and medical services, respectively, or you may enroll in a Medicare Advantage Plan (Medicare Part C). If you enroll in Original Medicare you also have the option to purchase a separate or stand alone prescription drug plan (Part D). Medicare Advantage and Medicare Part D insurance plans are sold by private insurance companies that have a contract with Medicare. Original Medicare offers its beneficiaries flexibility in choosing their providers and you are not limited to a network. However, there is no limit on out-of-pocket medical expenses and you must always pay 20% coinsurance for medical service costs. For most Medicare beneficiaries, Part A is already paid through paycheck deductions during their working years (or their spouse's) but most Medicare beneficiaries pay premiums for Part B unless they qualify for financial assistance. Medicare Advantage plans require you to stay in network but some plans will also cover out-of-network care at a higher cost. Many Medicare beneficiaries will elect to enroll in a Medicare Advantage plan that includes prescription drug coverage (MAPD) or purchase a stand alone prescription drug plan to go with their Original Medicare coverage. Most Medicare Advantage plans also include additional health benefits such as vision, dental, or hearing coverage and you have the option to purchase a Medicare Advantage plan with prescription drug coverage (MAPD) in almost all states.

Utah 2017 Medicare Advantage Plans at a glance

Using CMS data HealthPocket found that:

  • The average total monthly premium for a 2017 Medicare Advantage plan in Utah is $31.46, 49.65% less than the national average of $62.48. 48.62% of 2017 Medicare Part C insurance plans in Utah have a $0 monthly premium.
  • The maximum possible annual drug deductible in any 2017 Medicare Advantage plan with a drug component is $400, but in Utah the average annual drug deductible for Medicare Part C insurance plans with drug components is $180.96. 29.21% of 2017 Medicare Part C insurance plans with a drug component in Utah have a $0 annual drug deductible.
  • The average total monthly premium for a 2017 Medicare Advantage plan without a drug component in Utah is $14.6. 80% of 2017 Medicare Part C insurance plans without a drug component in Utah have a $0 monthly premium.
  • The average medical out-of-pocket limit for 2017 Medicare Part C insurance plans in Utah is $5824.77. None of 2017 Medicare Advantage plans in Utah had a medical out-of-pocket limit of $3,400 or less.

To assist seniors in choosing Medicare plans, CMS assigns star ratings to Medicare Part C and Part D plans each year based on preventive care, chronic condition management, customer service, member satisfaction, and drug pricing. Ratings range from 1 star (a poor plan) to 5 stars (an excellent plan).

  • The average overall CMS star rating assigned to Medicare Part C insurance plans in Utah was 3.7 stars in 2017.
  • Among Utah's 2017 Medicare Advantage plans with CMS star ratings:
    • 49.54% earned a score of 4 or 4.5 stars
    • 50.46% earned a score of 3 or 3.5 stars

Sources:

Data on Medicare eligibility, enrollment, and spending by state from Kaiser Family Foundation

There are 19 Medicare insurance providers that offer affordable and comprehensive Medicare insurance in Utah. Of these, the companies that offer the largest variety of plans to choose from are Aetna, Humana, and UnitedHealthcare. In Utah,Aetna has the largest selection of Medicare Advantage plans while Humana offers the most Medicare Part D plans. The following are all medicare insurance providers in Utah:

Aetna

8 Plans

Humana

7 Plans

WellCare

3 Plans

BLUE CROSS AND BLUE SHIELD ARIZONA, INC.

3 Plans

UNITEDHEALTHCARE INS. CO. & UHC INS. CO. OF NY

2 Plans

OMAHA HEALTH INSURANCE COMPANY

2 Plans

MERIT HEALTH INSURANCE COMPANY

1 Plans

Lasso Healthcare

1 Plans

HealthPocket is a free information source designed to help consumers find medical coverage. Whether you are looking for Medicare, Medicaid or an individual health insurance plan, we will help you find the right healthcare option and save on your out of pocket healthcare costs. We receive our data from government, non-profit and private sources, and you should confirm key provisions of your coverage with your selected health plan. If you select a plan presented on our site, you will be directed (via a click or a call) to one of our partners who can help you with your application. Our website is not a health insurance agency and not affiliated with and does not represent or endorse any health plan. HealthPocket, Inc. is a wholly owned subsidiary of Health Plan Intermediaries Holdings LLC (NASDAQ: HIIQ)