Orem, Utah, Medicare beneficiaries have three ways to expand their Original Medicare coverage: Medicare Advantage, Supplement, and Part D. 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.
Medicare plans in Orem, Utah
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, Original Medicare enrollee.
Medicare Advantage plans
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, Utah, 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.
The average costs of Medicare Advantage plans in Orem, Utah
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Medicare Supplement plans
Medicare Supplement (or “Medigap”) plans fill in the inpatient and outpatient services that Original Medicare doesn’t cover. There are ten different Medicare Supplement plans with different prices and coverage ranges.
Medigap plans have federal standardization that prevents insurance companies from altering the benefits included in each policy. Hence, 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 Orem, Utah’s most popular Medicare Supplements. 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. Still, 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.
The average costs of Medicare Supplement plans in Orem, Utah
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Medicare Part D prescription drug plans
Medicare Part D plans cover expenses for most prescription drugs. Aside from a specialized handful of Medicare Advantage plans, they are the only supplemental Medicare plans with medication coverage, 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, Utah, 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.
The average costs of Medicare Part D plans in Orem, Utah
Special Needs plans
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 Utah’s most affordable HMO option, 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.
The average costs of Medicare Special Needs plans in Orem, Utah
How to sign up for Medicare plans 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 that you can tap into their Medicare knowledge.
We 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!