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Utah Medicare Supplement Plans are offered by private health insurance companies. These plans fill the gaps in Original Medicare (Parts A and B) by paying for some or all of your Part A deductible and Part B coinsurance, among other expenses. Even though these plans are sold by private companies, the government regulates them. And ensures that all Medicare Supplement Plans with the same letter name cover the same benefits everywhere in the country.
With that being said, premiums will differ depending on the insurance company you choose. So, it’s important to compare Medicare Supplement Plans and companies to find the best plan for your needs and budget. EZ can help you compare all of your options. But first read our full explanation of Medicare Supplement Plans in Utah.
Utah Medicare Supplement Plans
If you live in Utah and need a Medicare Supplement Plan, you should know that there are 10 different plans. Each of which is named with a different letter of the alphabet. Plan A must be offered by all insurance companies. However, only people who qualified for Medicare before January 1, 2020 can get Plans C and F.
You’ll have to pay a monthly premium for a Medicare Supplement Plan. But for one affordable monthly price, your plan will cover most (or almost all) of your out-of-pocket costs. In Utah, monthly premiums range from $41 to $430, depending on the plan you choose and where you live.
Plan A
Plan A is the most basic Medicare Supplement Plan on the market. Even though it is basic, it will cover what many people think is the most important thing that Medicare Supplement Plans can cover: the 20% of outpatient services that Part B does not cover. It also covers a selection of other basic necessities, as outlined below.
All Medicare-approved health insurers must offer Plan A, but in some places, Medicare-eligible people under the age of 65 are guaranteed access to Plan A.
Plan A generally costs between $79 and $345 per month in Utah.
Plan B
Medicare Supplement Plan B covers everything that Plan A does, including:
- Medicare Part A coinsurance and hospital costs – Part A only fully covers your first 60 days of inpatient hospital stays in a benefit period, after that you are required to pay a portion of your bills for each day after your initial 60 days. Days 61-90 have a coinsurance of $400 a day. If your stay is between 91 and 150 days, and you use your Lifetime Reserve days, your coinsurance will be $800 a day. Plan B covers 100% of these costs.
- Medicare Part B coinsurance or copay – You’ll typically have to pay Medicare Part B coinsurance for doctor visits and other outpatient care. That means Medicare Part B pays 80% of the Medicare-approved amount for covered services, leaving you to pay the remaining 20%. Plan B covers 100% of this.
- First 3 pints of blood – Original Medicare only pays for the fourth and subsequent pints of blood if you need blood during treatment. Plan B will pay for the first three pints.
- Part A hospice care and coinsurance – Hospice care is for patients who are nearing the end of their lives. These services are covered by Medicare, but copayments are required. These copayments include $5 for each symptom and pain relief medication prescription, as well as 5% of the Medicare-approved amount for inpatient assisted living. Plan B covers all expenses related to hospice care.
Plan B is less basic than Plan A because it covers the Medicare Part A hospital deductible, which Plan A does not. In 2023, the Part A deductible is $1,600. Having a plan that covers this deductible could be very helpful, since it is not charged annually but rather based on 60-day benefit periods. This means that you may have to pay it more than once in a single year.
Medicare Supplement Plan B costs between $119 and $344 a month for Utah residents.
Plan C
Plan C is one of the best Medicare Supplement Plans in terms of coverage, but not everyone can buy it. Medicare Supplement Plan C covers everything except for Part B excess charges. This means that it pays for your Parts A and B deductibles, as well as your 20% coinsurance for all outpatient care.
Coverage includes the following:
- Part A hospital deductible and coinsurance
- Hospital costs up to an additional 365 days after Medicare benefits are exhausted
- Part A hospice care coinsurance or copayment
- Blood (the first 3 pints)
- Other Medicare-approved expenses associated with Part A hospitalization
- Medicare Part B coinsurance and copayments
- Part B deductible
- Other Medicare-approved expenses associated with Part B coverage
People who became eligible for Medicare after January 1, 2020, are no longer able to choose Plan C. If you had Plan C before January 1, 2020, you can keep it. If you were eligible for Medicare at that time but didn’t sign up, you may be able to buy Plan C now.
In Utah, the monthly premiums for Plan C range from $146 to $409.
Plan D
Plan D covers the majority of out-of-pocket expenses associated with Original Medicare, including:
- Part A hospital coinsurance and hospital costs up to an extra 365 days after Original Medicare benefits are exhausted
- Part A hospice care coinsurance or copayment
- Part B coinsurance
- First 3 pints of blood
- Skilled nursing facility (SNF) care coinsurance – After the 20th day of your stay as an inpatient in a skilled nursing facility, Medicare Part A requires you to pay coinsurance. Part A coinsurance for skilled nursing facility care is $200 per day in 2023.
- Part A deductible
- 80% of foreign travel emergency costs (up to plan limits)
This means that Plan D covers almost everything, except Medicare Part B deductibles and Part B excess charges. If your doctor doesn’t accept Medicare assignment, they can charge you more than Medicare will pay for the service. The difference is your “excess charge”. You will be responsible for paying this difference with Plan D, so if you think you will be seeing providers who don’t accept Medicare assignment, you should look into other plans.
In Utah, monthly premiums for Plan D can cost between $101 and $274.
Plan F
Plan F is the most popular Medicare Supplement Plan and has been for a long time, but it is no longer available to all beneficiaries. It is so popular because it is extremely comprehensive: if you have this plan, you only need to worry about the monthly Plan F premium. This plan covers:
- Part A hospital deductible and coinsurance
- Hospital costs up to an additional 365 days after Medicare benefits are exhausted
- Part A hospice care coinsurance or copayment
- Blood (the first 3 pints)
- Other Medicare-approved expenses associated with Part A hospitalization
- Medicare Part B 20% coinsurance and copayments
- Medicare-approved doctor’s office fees
- Part B deductible
- Medicare Part B excess charges
- Other Medicare-approved expenses associated with Part B coverage
The only restriction is that people who became eligible for Medicare after 2020 can’t sign up for Plan F. If you became eligible for Medicare before 2020, you can sign up for one of these plans, and if you are “grandfathered in,” you can keep Plan F indefinitely.
Medicare Supplement Plan F has monthly payments that range from $110 to $430, depending on where you live.
Plan G
Plan G is worth considering if you’re interested in something like Plan F but don’t meet the requirements to buy it. You’ll get nearly all the benefits of Plan F with Plan G, including coverage for:
- Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up
- Part A deductible
- Part A hospice care coinsurance or copayment
- Part B coinsurance or copayment
- Part B excess charges (if a provider is permitted to charge more than Medicare’s approved amount and does so)
- Blood transfusion (first 3 pints)
So, Plan G covers everything except for the Part B deductible, and is typically more affordable than Plan F.
Medicare Supplement Plan G premiums often cost less than Plan F premiums do, ranging in Utah from $101 to $404 per month.
Plan K
Plan K helps pay for some of the costs not covered by Original Medicare, but at a lower rate than other plans. Until you hit your annual out-of-pocket maximum, Plan K only covers 50% of some costs. Coverage includes:
- Medicare Part B coinsurance – Plan K covers half of these costs, so you will be responsible for 50% of your 20% Part B coinsurance. For example, if your doctor charges $100 for a service, Medicare will cover $80, Plan K will cover $10, and you will cover the remaining $10.
- First 3 pints of blood
- Part A hospice care coinsurance or copayment – Plan K will pay for half of these costs.
- Skilled nursing facility care coinsurance – Plan K pays half of the coinsurance for medical care in skilled nursing care facilities.
- Medicare Part A deductible – Medicare Supplement Plan K will pay half of these deductibles, or $800.
Plan K has higher costs than other plans. But unlike other plans, Plan K has a limit on how much you will have to pay out of your own pocket. With Plan K, the most you’ll have to pay out-of-pocket each year is $6,620 (as of 2023). After you spend this much, Plan K will pay for the rest of the year’s allowed costs. At the start of each new year, your limit will be reset.
Plan K also pays 100% of the coinsurance for Medicare Part A, which you would otherwise have to pay for hospital stays longer than 60 days. This is the only basic benefit that Plan K covers in full.
Because Plan K has higher out-of-pocket costs, it has lower monthly premiums. In Utah, monthly premiums range from $41 to $128.
Plan L
Similarly to Plan K, Plan L helps pay some of the costs not covered by Original Medicare, but it covers them at a higher percentage than does Plan K. It also has an annual out-of-pocket maximum, which is lower than Plan K’s ($3,310 in 2023), after which your insurance company will begin covering everything in full.
Plan L is a pretty comprehensive Medicare Supplement Plan, covering 100% of Medicare Part A hospitalization and coinsurance costs. It also covers a percentage of the following:
- Medicare Part B coinsurance – Plan L covers 75% of your Part B coinsurance.
- Blood – If you require blood while in the hospital, Plan L will cover 75% of the cost of the first three pints.
- Part A hospice care copayments – Plan L pays 75% of your Part A copays for hospice care.
- Skilled nursing facility care coinsurance – Plan L pays 75% of the $200 per day (after the 20th day of your stay) coinsurance for medical care in skilled nursing care facilities.
- Part A deductible – Medicare Supplement Plan L will cover 75% of your Part A deductibles for each 60-day benefit period . You must still meet your Medicare Part B deductible, which is $226 per year in 2023, if you choose Plan L.
Plan L premiums cost between $63 and $258 a month in Utah.
Plan M
Medicare Supplement Plan M, like Plans K and L, helps with some but not all of the costs that come with having Original Medicare coverage. It does, though, cover more expenses in full than either Plan K or Plan L does.
Medicare Supplement Plan M covers Medicare Part A hospital costs in full. Additionally, it covers:
- Medicare Part B coinsurance – Plan M pays your Part B coinsurance and/or copayments in full.
- Blood – If you require blood while in the hospital, Medicare Supplement Plan M will cover the first three pints of blood in full.
- Part A hospice care coinsurance or copayment – Plan M will cover all of your hospice care coinsurance and copays in full.
- Skilled nursing facility care coinsurance – Plan M covers the entire cost of Part A skilled nursing facility coinsurance.
- Part A deductible – Medicare Supplement Plan M will cover half of your Medicare Part A deductible. If you have Plan M, you will have to pay half of the $1,600 (or $800) deductible rather than the full $1,600.
Prices for Plan M premiums range from $77 to $303 a month in Utah.
Plan N
Most of the gaps in Original Medicare’s coverage are filled by Medicare Supplement Plan N. Only the Part B deductible and any Medicare Part B excess charges. Which are parts of doctor bills that are more than the Medicare-approved amount, are not covered. But, unlike with some other plans, you may have some copayments for Part B services.
This means Medicare Supplement Plan N covers all of the following:
- Medicare Part B coinsurance – Plan N will cover your Part B coinsurance costs in full, with the exception of a copayment of up to $20 for some office visits. For emergency room visits that do not result in an inpatient admission, you may pay a second copayment of up to $50.
- Blood – If you require blood while in the hospital, Medicare Supplement Plan N will cover the first three pints.
- Part A hospice care coinsurance or copayment – Plan N pays your hospice care coinsurance and copayments in full.
- Skilled nursing facility care coinsurance – Your skilled nursing facility coinsurance will be fully covered by Medicare Supplement Plan N.
- Part A deductible – Medicare Supplement Plan N pays your $1,600 deductible in full for each 60-day benefit period.
- Foreign travel emergency care – Original Medicare typically does not cover medical care received outside of the United States. If you need emergency care while traveling outside of the United States, Medicare Supplement Plan N will cover 80% of the costs of qualified emergency medical care.
Prices for Plan N can range from $74 to $304 a month in Utah.
When To Enroll
While there is no set annual enrollment period for Medicare Supplement Plans, federal rules allow you a one-off six-month period. During which you will be given guaranteed-issue access to a Medicare Supplement Plan. Having guaranteed-issue rights means that insurance companies will not be able to deny you or charge you more for coverage. This six-month period begins when you turn 65 and enroll in Medicare Part B.
It’s important to note that federal rules do not guarantee that people under 65 who are eligible for Medicare can get Medicare Supplement Plans. Most states have rules in place to ensure that disabled Medicare recipients under 65 have at least some access to Medicare Supplement Plans. But Utah is not one of those states.
This means that most Medicare Supplement insurance companies in Utah do not sell Medicare Supplement Plans to people under 65 who qualify for Medicare because of a disability. But there are a few who choose to do so.
How To Choose
When it comes to Medicare coverage, don’t be afraid to ask questions. Speak to an EZ agent who can explain everything to you and give you guidance on what you need to do to sign up. EZ can assist you in enrolling in Medicare, comparing Medicare Supplement Plans, or simply weighing your options. Our agents work with the best insurance companies in the country. They can provide you with a free comparison of all available plans in your area. We will go over your medical and financial needs with you and help you find a plan that works for you. To get started, simply enter your zip code in the bar below or give one of our licensed agents a call at 877-670-3602.
