Medicare is a federal health insurance program that provides financial assistance to many elderly and disabled individuals. In Utah, many Medicare beneficiaries receive additional assistance through Medicaid with the cost of premiums and services that Medicare does not cover, such as long-term care. MoneyGeek used the Centers for Medicare & Medicaid Services (CMS) five-star rating system to establish a ranking of the most available Medicare Advantage plans in Utah. Aetna's Medicare Elite plan is the best option for those looking for PPO plans.
However, it is important to note that buying Medicare Advantage plans with low or no premium can result in higher costs and out-of-pocket expenses. People who are not comfortable with the provider network may prefer to use Original Medicare and combine it with Medicare Supplement Insurance. The SelectHealth Veteran Advantage (HMO) plan is a great option for those looking for a plan with eight main benefits, a high CMS score, and no drug coverage. This plan has reasonable costs and has the lowest out-of-pocket maximum of all major Utah Medicare Advantage plans.
It is also premium-free and has no deductible, offering excellent coverage for those who choose it. It is important to note that federal regulations do not guarantee access to Medigap plans for people under 65 who are eligible for Medicare due to a disability. All Medicare Advantage plans must include the benefits provided by Part A and Part B of Original Medicare.