Orem, Utah, Medicare beneficiaries have three ways they can expand their Original Medicare coverage: Medicare Advantage plans, Supplement plans, and Part D plans. Each covers a range of services not included in Medicare Part A and B, reducing out-of-pocket healthcare expenses when you enroll.
In the sections below, we’ll look at each type of supplemental Medicare coverage and some of Orem’s most trusted providers.
Orem, Utah Supplemental Medicare Plans
There is no price standardization for supplemental Medicare, and private insurance companies adjust their rates dramatically depending on an enrollee’s age, gender, and location. Since so many factors determine the cost of your Medicare, it’s vital to carefully view your options to ensure you’re receiving the best deal and coverage possible.
The charts below show the average rates for a 65-year-old female Orem, Utah, Medicare enrollee.
Affordable Medicare Advantage Plans in Orem, Utah
Orem, Utah, has 29 Medicare Advantage plans through multiple providers. That’s one of the widest selections of Medicare Advantage policies in any city in Utah.
One of the strongest Medicare Advantage plans in Orem comes from SelectHealth. In addition to a competitive $0 premium and $5,400 MOOP, SelectHealth’s Orem, Utah, Medicare Advantage plan has a perfect five-star coverage effectiveness rating.
Aetna’s Local PPO Medicare Advantage plan is one of the most budget-friendly options in Orem. It has a $0 premium and $5,000 MOOP on top of a strong four-star rating.
Cigna’s Medicare Advantage plan is another popular choice among Orem, Utah, Medicare users. It also has a $0 premium and a $5,200 MOOP.
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Average Medicare Supplement Plans in Orem, Utah
Medicare Supplement (or “Medigap”) plans fill in the inpatient and outpatient services that Original Medicare doesn’t cover. There are 12 different Medicare Supplement plans, each with different prices and coverage ranges.
Medigap plans have federal standardization that prevents insurance companies from altering the benefits included in each policy, so coverage is the same regardless of where you enroll in a Medicare Supplement plan.
Plan F is the most popular Medigap plan nationwide and among the most popular in Orem. It has more coverage than other Medicare Supplement options, but the premiums are among the most expensive, ranging from $110.61 to $381.62 per month.
Plan N is another popular Medicare Supplement option and a more affordable alternative to Plan F. It doesn’t cover as much as Plan F, but the monthly premium range of $74.06 to $270.25 is drastically lower.
Plan G is a nice middle ground between Plans F and N. It covers more than Plan N and has every benefit in Plan F aside from Part B deductible coverage, and premiums vary from $101.55 to $358.64.
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Cheapest Medicare Part D in Orem, Utah
Medicare Part D plans cover expenses for most prescription drugs. They are the only supplemental Medicare plans with medication coverage, aside from a specialized handful of Medicare Advantage plans, so finding the right one is vital to building high-quality Orem, Utah, Medicare.
Aetna’s Part D plan has the cheapest premium at $6.90 per month. It also has a $480 deductible and a three-star coverage rating.
UnitedHealthcare offers a Part D plan in Orem with a higher premium than Aetna’s at $29.40 but one of the lowest deductibles at $310.
Humana’s Part D coverage has a $22.70 premium and $480 deductible, but its four-star rating makes it one of the most comprehensive plans in Orem.
Medicare Special Needs Plans in Orem, Utah
Medicare Special Needs Plans (SNPs) are a unique subset of Medicare Advantage plans with coverage for specialized medical treatment that people with chronic disabilities need. These plans are not available everywhere, but Orem, Utah, does have a handful of options.
SelectHealth’s Special Needs Plan is the most affordable HMO option in Utah, with a $0 premium and $3,450 MOOP.
Humana has a Local PPO Special Needs Plan with a $0 premium and $3,450 MOOP.
Molina Healthcare’s SNP is another popular option. It has a $0 premium and $7,550 MOOP.
What are the Medicare Supplement plans available in Orem, UT?
All 12 of the standard Medicare Supplement plans are available in Orem, Utah. Many of them offer monthly premiums lower than $100.
How can I avoid Part D penalty charges in Orem, UT?
You won’t face a late fee if you register for Orem, Utah, Medicare Part D during your Initial Enrollment Period (IEP). Applying for Part D as soon as you’re eligible is a great way to ensure you don’t have to pay late enrollment fees later.
Can I have more than one Medigap Plan in Orem, UT?
Orem, Utah Medicare Supplement providers, can’t sell users more than one plan at a time. However, you can quickly switch plans during the Annual Enrollment Period or any other time of the year if you don’t like your coverage.
What does Medicare Part A cover in Orem, Utah?
Original Medicare Part A covers most inpatient hospital services. It also covers treatment from Orem, Utah, skilled nursing facilities, and hospice centers.
Do I have to pay for Medicare Part A in Orem, Utah?
Any Orem, Utah resident over 65 who receives Social Security or Railroad Retirement Board benefits doesn’t have to pay Part A premiums.
You are also eligible for Medicare Part A if you or your partner worked at least a decade in a job while paying taxes.
How to Sign Up for Supplemental Medicare in Orem
Remember, supplemental Medicare can be a great way to fill in the gaps in your regular coverage and get the care you need.
For residents of Orem, Utah, our licensed agents will give you their time for free so you can tap into their Medicare knowledge.
We are here to help you find the best plan for your needs and budget. So give us a call today, or take a minute to fill out our quick online rate form to be connected with the best rates in your area!